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FamReynaBrain/areas/finances/220_emerald_homeowners_insurance.md
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aeroreyna b1dbaf916a daily auto-sync 2026-07-30
2026-07-30 23:00:01 -04:00

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Date, Author, Tags
Date Author Tags
2026-06-23 Pi Agent
areas
finances
insurance
homeowners
220_emerald
cabrillo
orange_insurance_exchange

220 Emerald Homeowners Insurance

Homeowners Renewal Bill - Captured 2026-06-23

  • Source: photo of homeowners renewal bill shared in family chat.
  • Insurer / issuing entity shown: Cabrillo Coastal General Insurance Agency, LLC / Orange Insurance Exchange.
  • Policy type: Homeowners.
  • Policy number: OIH0012918.
  • Policyholder / named insured: Adolfo Reyna Orta.
  • Risk location: 220 Emerald Ave, Fort Pierce, FL 34945.
  • Mailing address shown: Adolfo Reyna Orta, 220 Emerald Ave, Fort Pierce, FL 34945.
  • Policy renewal date: 2026-08-06.
  • Invoice date: 2026-06-18.
  • 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
    • 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
    • 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.
  • Agency phone shown in photo: (904) 328-3432. Confirm if needed; photo is slightly blurry.
  • Agency/customer number shown: 706595.

Coverage Limits Shown

  • Dwelling: $442,000.
  • Other structures: $44,187.
  • Personal property: $110,468.
  • Loss of use: $44,200.
  • Liability coverage: $500,000.
  • Medical payments: $2,500.

Premium / Payment Details

  • Full pay / annual amount shown: $6,703.55.
  • Minimum amount due: $2,202.40.
  • Hurricane premium: $4,033.00.
  • Non-hurricane premium: $1,982.00.
  • Payment plan examples shown:
    • 2-pay: down payment $3,706.15; next payment $3,010.50.
    • 4-pay: down payment $2,202.40; next payment $1,506.75.
    • 6-pay: down payment $2,202.40; next payment $905.25.
  • Fees noted on coupon: $10 service fee added to down payment unless full payment received; $3 installment fee per payment unless full payment received; $25 MGA fee and $2 emergency management fee included in premium.
  • Online payments: insured.cabrgen.com/payments, or QR code on bill.
  • Check payments payable and mailed to: Orange Insurance Exchange, P.O. Box 737110, Dallas, TX 75373-7110.

Mortgagee / Lender

  • Mortgagee: FILO Mortgage LLC.
  • Loan number / address line shown: 200 Barr Harbor Dr #400-425, West Conshohocken, PA 19428.
  • Note on bill: records indicate FILO Mortgage LLC is responsible for payment and has been invoiced. If incorrect or paying the renewal personally, detach and return the coupon with payment.

Important Notes

  • The bill explicitly says: IMPORTANT — renewal does not provide flood coverage.
  • 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 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.

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