diff --git a/areas/finances/220_emerald_homeowners_insurance.md b/areas/finances/220_emerald_homeowners_insurance.md index 9794967..78863a3 100644 --- a/areas/finances/220_emerald_homeowners_insurance.md +++ b/areas/finances/220_emerald_homeowners_insurance.md @@ -19,6 +19,32 @@ Tags: [areas, finances, insurance, homeowners, 220_emerald, cabrillo, orange_ins - Payment warning: policy expires if payment is not received before 12:01 AM standard time on 2026-08-06. - 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`. +- **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**. +- **Deductibles:** hurricane **2% of Coverage A = $8,840**; all other perils **$1,000**; roof deductible **at most $8,840**. +- **Premium:** hurricane **$4,033.00** + non-hurricane **$1,982.00** = $6,015.00 base premium; $25 MGA fee + $2 emergency-management fee + $601.50 surplus-contribution fee + $60.15 FIGA assessment = **$6,703.65 total policy**. This document is the current authoritative amount; it supersedes the prior photo-extraction figure of $6,703.55. +- **Notable coverage/forms:** HO-3; ordinance/law **10% of Coverage A = $44,200**; limited water damage **$10,000**; service-line coverage; water backup endorsement; personal-property replacement cost; animal liability exclusion; flood coverage is explicitly excluded. Roof surface metal; roof age 16; primary occupancy. +- **Support / portal:** declarations direct the insured to `www.cabgen.com` to log in/manage delivery preferences and view documents; customer support **866-896-7233**. Claims: **866-482-5246**. Existing recorded dashboard: https://insured-app.cabgen.com/. +- **What this proves / does not prove:** It proves Orange/Cabrillo now has Pennymac as the mortgagee and D-BILL recipient for the renewal. It does **not** independently show that Pennymac escrow has paid the renewal yet; obtain payment confirmation from Pennymac or Orange before the 2026-08-06 effective date. + +## Source Document: Original Policy Application / Supporting Packet (processed 2026-07-30) +- **Nextcloud document:** [`oih0012918.pdf`](file:///home/adolforeyna/Nextcloud/ReynasShared/220%20emerald%20ave/oih0012918.pdf) + - Local synced path: `/home/adolforeyna/Nextcloud/ReynasShared/220 emerald ave/oih0012918.pdf` + - 16-page Cabrillo-produced PDF; SHA-256: `ed97c2e5aa0009b094f046c96e6dfdaef7e6042546bae389387f43b464c72add`. +- **Document scope:** Original Orange homeowners application and supporting-documents packet — coverage bound **2025-07-15**, effective **2025-08-06 through 2026-08-06**. It is not the current 2026 renewal invoice. +- Confirms policy/application number **OIH0012918**, named insured **Adolfo Reyna Orta**, and risk address **220 Emerald Ave, Fort Pierce, FL 34945**. +- Original HO-3 limits: dwelling **$429,000**; other structures **$42,900**; personal property **$107,250**; additional living expense **$42,900**; liability **$500,000**; medical payments **$2,500**. (The June 2026 renewal-bill photo reflects updated limits and premium; keep those figures separate.) +- Original deductibles: **$1,000 all other perils**, **2% calendar-year hurricane**, roof capped at **$8,580**; limited water-damage coverage **$10,000**; ordinance/law selected at **10%**. +- Original premium/payment plan: **$6,524.75 total premium + fees**, full payment. This differs from the later renewal-bill amount and is historical only. +- **Critical escrow history:** The original application and billing page name **FILO Mortgage LLC d/b/a Everstream Mortgage ISAOA ATIMA** as mortgagee and state that FILO is responsible for payment and will be billed. The 2026 renewal declarations now show this historic mortgagee/payee record has been replaced with Pennymac. +- Original producing agency shown: **Platinum Insurance Advisors Inc.**, agency code **706595**, phone **904-328-3432**, email `mike@piadvisorsse.com`. Treat as original-policy contact data; confirm current agency/contact with Orange/Cabrillo before relying on it. +- Historical underwriting conditions listed: Chrp virtual self-inspection and supporting wind-mitigation/subscriber documents were requested by **2025-08-13**. This packet does not prove whether all were completed. + ## Insurance Agency / Agent - Agency: Platinum Insurance Advisors Inc. - Agency address: 6635 W Commercial Blvd, Ste 211, Tamarac, FL 33319-2151. @@ -56,8 +82,17 @@ Tags: [areas, finances, insurance, homeowners, 220_emerald, cabrillo, orange_ins - Flood coverage is tracked separately in [[220_emerald_flood_insurance]]. - Keep the photo/notice as backup if lender or insurance questions come up. +## Escrow / Mortgagee Reconciliation (added 2026-07-30) +- The June 18, 2026 renewal bill identifies **FILO Mortgage LLC** as mortgagee and says FILO is responsible for payment and has been invoiced. +- Local mail confirms a Pennymac “Welcome to the Pennymac Family” servicing message sent to Alicia on August 22, 2025; Pennymac is the current servicer referenced by the household. +- **Resolved record discrepancy (document-confirmed 2026-07-30):** The current 2026 renewal declarations name **Pennymac Loan Services LLC** as both D-BILL recipient and mortgagee. The prior FILO/Everstream listing is now established as historical/original-policy data, not the current billing record. +- Confirm with Orange/Cabrillo: whether the 2026 renewal invoice was transmitted to Pennymac and whether payment has been received. +- Confirm with Pennymac: escrow payment status and whether the current declarations are indexed to the loan. +- **2026-07-30 status:** Household called the insurer; support is actively helping reconcile the mortgagee/escrow and renewal-information issue. The new declarations document supports that the insurer-side mortgagee update is now complete. +- **Homeowners dashboard:** https://insured-app.cabgen.com/ (Cabrillo/Orange policy portal; user-provided). + ## Follow-up -- Verify before 2026-08-06 that FILO Mortgage LLC or the household paid the renewal so coverage continues. +- Verify with Pennymac before 2026-08-06 that escrow has paid (or scheduled payment for) the $6,703.65 renewal and that the declarations are attached to loan reference ending `8212730928`. ## Related - [[220_emerald_flood_insurance]] diff --git a/areas/maintenance/vehicle_2017_infiniti_qx60.md b/areas/maintenance/vehicle_2017_infiniti_qx60.md new file mode 100644 index 0000000..a8bde89 --- /dev/null +++ b/areas/maintenance/vehicle_2017_infiniti_qx60.md @@ -0,0 +1,22 @@ +--- +Date: 2026-07-30 +Author: Hermes + Adolfo Reyna +Tags: [areas, maintenance, vehicle, infiniti, qx60, registration] +Vehicle: 2017 Infiniti QX60 +--- + +# 2017 Infiniti QX60 — Maintenance & Registration Log + +[[maintenance/index]] | [[Areas]] + +## Vehicle Info +- **Year / make / model:** 2017 Infiniti QX60. +- **License plate:** CE76EM (Florida). +- **Registration expiration:** 2027-05-16. +- **Registration source:** Florida Vehicle Registrations screenshot supplied 2026-07-30; original attachment: `/home/adolforeyna/.hermes/cache/images/img_e3f4ef646197.jpg`. + +## Service History +- **2026-04-15:** Oil change and rotation completed (historical family-brain memory; original service document not currently linked here). + +## Renewal Reminder +- Family Calendar reminder planned for 2027-05-01, ahead of the 2027-05-16 registration expiration. diff --git a/areas/maintenance/vehicle_2024_toyota_corolla.md b/areas/maintenance/vehicle_2024_toyota_corolla.md index 0dcaeff..11bb98e 100644 --- a/areas/maintenance/vehicle_2024_toyota_corolla.md +++ b/areas/maintenance/vehicle_2024_toyota_corolla.md @@ -17,6 +17,8 @@ Mileage: 27805 - **Engine:** 1-1967 2.0L DOHC - **VIN:** 5YFB4MDE6RP164737 - **License:** BD99BB (FL) +- **Registration expiration:** 2028-05-16. +- **Registration source:** Florida Vehicle Registrations screenshot supplied 2026-07-30; original attachment: `/home/adolforeyna/.hermes/cache/images/img_e3f4ef646197.jpg`. - **Current Mileage (2026-07-09):** 27,383 miles (per invoice in/out) / 27,805 miles (per alignment report) - **Owner:** Adolfo Reyna - **Cust ID:** REYA1-2 @ St Lucie Battery & Tire