daily backup 2026-09-17

2026-09-17 23:01:00 -04:00
parent d93d394c75
commit 4337e3aa38
12 changed files with 4966 additions and 16 deletions
@@ -20,9 +20,11 @@ Tags: [areas, finances, insurance, homeowners, 220_emerald, cabrillo, orange_ins
 - Payment coupon due date: 2026-08-05.

 ## 2026 Renewal Declarations — Document-Confirmed (processed 2026-07-30)
- **Nextcloud document:** [`OIH0012918_DEC.PDF`](file:///home/adolforeyna/Nextcloud/ReynasShared/220%20emerald%20ave/OIH0012918_DEC.PDF)
-  - Local synced path: `/home/adolforeyna/Nextcloud/ReynasShared/220 emerald ave/OIH0012918_DEC.PDF`
-  - 4-page Orange/Cabrillo renewal declarations, issued/prepared **2026-07-30**; SHA-256: `561d950601262b57195986df416fa39045f70d06df2cbfc2fdc0180c8a578420`.
+- **Brain attachment (verified copy):** `areas/finances/attachments/220_emerald/OIH0012918_DEC_2026-07-30.pdf`
+  - Copied from the verified WhatsApp document cache on **2026-09-17**; 4-page Orange/Cabrillo renewal declarations, issued/prepared **2026-07-30**.
+  - SHA-256: `561d950601262b57195986df416fa39045f70d06df2cbfc2fdc0180c8a578420`.
+- **Original synced reference recorded previously:** [`OIH0012918_DEC.PDF`](file:///home/adolforeyna/Nextcloud/ReynasShared/220%20emerald%20ave/OIH0012918_DEC.PDF)
+  - Historical local synced path: `/home/adolforeyna/Nextcloud/ReynasShared/220 emerald ave/OIH0012918_DEC.PDF`.
 - **Policy term:** `OIH0012918`, **2026-08-06 through 2027-08-06** (12:01 AM at insured location).
 - **Current mortgagee and billed payor:** **PENNYMAC LOAN SERVICES LLC**. The declarations front page states **“D-BILL: PENNYMAC LOAN SERVICES LLC”**; page 3 lists Pennymac ISAOA, P.O. Box 6618, Springfield, OH 45501, loan ending/reference `8212730928`. This supersedes the prior FILO/Everstream mortgagee record in the 2025 source packet.
 - **Current coverage limits:** dwelling **$442,000**; other structures **$44,187**; personal property **$110,468**; loss of use **$44,200**; personal liability **$500,000**; medical payments **$2,500**.
@@ -0,0 +1,55 @@
+---
+Address: 329 Palm Breezes Dr
+Property: Rental property / A2EG LLC
+Insurer: Citizens Property Insurance Corporation
+Policy: 15481774-1
+---
+
+# 329 Palm Breezes — Citizens Insurance
+
+## Source and scope
+
+- **Source:** Two user-provided photos of the Citizens policy documents, received 2026-09-17.
+- **Brain attachments:**
+  - `areas/finances/attachments/329_palm_breezes/Citizens_15481774-1_amended_declarations_page1.jpg`
+  - `areas/finances/attachments/329_palm_breezes/Citizens_15481774-1_policy_change_summary.jpg`
+  - `areas/finances/attachments/329_palm_breezes/Citizens_15481774-1_amended_declarations_2-pages.pdf`
+- This is a **partial photo record**: the declarations page says “Page 1 of 5,” while the separate policy-change summary is “Page 1 of 1.” It should not be treated as the complete five-page policy package.
+
+## Date review — important
+
+- **Policy period:** **November 11, 2025 through November 11, 2026**, at 12:01 a.m. Eastern Time.
+- **Transaction:** Amended declarations.
+- **Amendment effective date:** **July 27, 2026**.
+- **Processed date:** **July 27, 2026**.
+- **Policy expiration:** **November 11, 2026**. This is the controlling expiration shown in the supplied documents; there is no 2027 expiration shown.
+- Finder/cloud file metadata shows the photos modified **November 17, 2025**, but that is file metadata—not the policy amendment or processing date. The printed document dates are July 27, 2026.
+
+## Policy and insured location
+
+- **Carrier:** Citizens Property Insurance Corporation.
+- **Form:** Dwelling Fire DP-3 Special Form Policy — Declarations.
+- **Policy number:** `15481774-1`.
+- **First named insured:** A2EG LLC.
+- **Mailing address:** 220 Emerald Ave, Fort Pierce, FL 34945-2121.
+- **Location of residence premises:** 329 Palm Breezes Dr, Fort Pierce, FL 34945-1208, St. Lucie County.
+- **Agent shown:** Christina Marie Johnson / Twig Insurance Services Inc.; agency code on the amended record: `P108305_1`.
+
+## Printed coverages and premium
+
+- Coverage A — Dwelling: **$346,700**.
+- Coverage B — Other structures: **$6,930**.
+- Coverage C — Personal property: **$10,000**.
+- Coverage D — Fair rental value: **$34,670**.
+- Coverage E — Additional living expense: **$34,670**.
+- Personal liability: **$0**.
+- Medical payments: **$0**.
+- All-other-perils deductible: **$1,000**.
+- Hurricane deductible: **$6,934 (2%)**.
+- Annual premium shown: **$2,522**.
+- Total policy premium including listed charges, assessments, and adjustments: **$2,172**.
+- Printed breakdown: hurricane coverage **$1,523**; non-hurricane coverage **$589**.
+
+## Interpretation / follow-up
+
+The July 27, 2026 document is an amendment to an active policy term that began November 11, 2025. The second page appears to document an agent-code change rather than a new annual term. Because the supplied declarations page is only page 1 of 5, retain the complete declarations/forms package if available and confirm whether the policy was renewed after November 11, 2026.
@@ -14,6 +14,7 @@ Overview of the Reyna family financial structure, property management, and inves
  - Usage: Rental property (rented to friends from church).
  - Rent: $2,000/month.
  - Management: Handled via **A2EG LLC** (Adolfo, Alicia, Elias, Grace).
+  - Insurance: [[329_palm_breezes_homeowners_insurance]] — Citizens policy `15481774-1`, term 2025-11-11 through 2026-11-11; amended/processed 2026-07-27.
 - **220 Emerald Ave**:
  - Status: Primary residence (purchased in 2025).
  - Mortgage details tracked in [[220_emerald_mortgage]].