FamReynaBrain/areas/finances/220_emerald_homeowners_insurance.md

---
Date: 2026-06-23
Author: Pi Agent
Tags: [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`](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.
- 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`.

## Related
- [[220_emerald_flood_insurance]]
- [[220_emerald_mortgage]]
- [[220_emerald]]
- [[Finances Index]]