EOI Direct
Invoice
1880 W. Judith Lane, Suite 220
Boise, ID 83705
Order Number: 1487842
Invoice Date: 01/05/2016
Voice: (877) 456-3643
Email: [email protected]
Sold To:
FIRST FIDELITY ESCROW
6540 LUSK BLVD. C-108
SAN DIEGO, CA 92121
Customer Account
User
[email protected]
FIRST FIDELITY ESCROW
Quantity
1
Description
Delivery of 1 certificate of insurance via email.
Payment Terms
Due Date
Due on Receipt
01/05/2016
Unit Price
Amount
$75.00
$75.00
Subtotal
Sales Tax
$75.00
Homeowner: Peter W. and Jeanne L. Stanley and Long
Loan Number: 0994102998
Escrow Number: FF00791
Total Paid
(Return This Portion with Payment)
Please Remember To:
1.
2.
3.
4.
Make your check payable to EOI Direct
Reference all order numbers on your check
Include copy of invoice with your payment
Send your payment to
EOI Direct
1880 W. Judith Lane, Suite 220
Boise, ID 83705
Due to the large number of payments
received, your Order Number MUST be
referenced on your payment.
Order Number: 1487842
Invoice Date: 01/05/2016
Customer Account: [email protected]
Customer ID: 347856
Total Due $75.00
1487842
DATE (MM/DD/YYYY)
CERTIFICATE OF LIABILITY INSURANCE
01/05/2016
THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THIS
CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES
BELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S), AUTHORIZED
REPRESENTATIVE OR PRODUCER, AND THE CERTIFICATE HOLDER.
IMPORTANT: If the certificate holder is an ADDITIONAL INSURED, the policy(ies) must be endorsed. If SUBROGATION IS WAIVED, subject to
the terms and conditions of the policy, certain policies may require an endorsement. A statement on this certificate does not confer rights to the
certificate holder in lieu of such endorsement(s).
CONTACT
PRODUCER
ARTHUR J. HOPKINS
NAME:
FAX
PHONE
Michael Abdou Insurance Agency, Inc.
(A/C, No): 619.298.7523
(A/C, No, Ext): 619.293.7779
E-MAIL
7850 Mission Center Ct. Ste 103
ADDRESS: [email protected]
San Diego, CA 92108-1323
INSURER(S) AFFORDING COVERAGE
NAIC #
(619) 293-7779
INSURED
CAMINO CREST HOMEOWNERS' ASSOCIATION
INSURER A :
TRUCK INSURANCE EXCHANGE
INSURER B :
MID-CENTURY INSURANCE COMPANY
21709
21687
INSURER C :
c/o ASSOCIATED PROFESSIONAL SERVICES #401
INSURER D :
PO BOX 602090
INSURER E :
SAN DIEGO, CA 92160-2090
COVERAGES
INSURER F :
CERTIFICATE NUMBER:
REVISION NUMBER:
THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD
INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS
CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS,
EXCLUSIONS AND CONDITIONS OF SUCH POLICIES. LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS.
INSR
LTR
A
TYPE OF INSURANCE
X
A
X
POLICY NUMBER
POLICY EFF
POLICY EXP
(MM/DD/YYYY) (MM/DD/YYYY)
LIMITS
$
2,000,000
DAMAGE TO RENTED
PREMISES (Ea occurrence)
$
75,000
MED EXP (Any one person)
$
CLAIMS-MADE EPLI
PERSONAL & ADV INJURY
$
5,000
2,000,000
CLAIMS-MADE D&O
GENERAL AGGREGATE
$
PRODUCTS - COMP/OP AGG
$
60624-29-54
11/05/2015 11/05/2016 EACH OCCURRENCE
COMMERCIAL GENERAL LIABILITY
CLAIMS-MADE
A
ADDL SUBR
INSR WVD
GENERAL LIABILITY
X
OCCUR
GEN'L AGGREGATE LIMIT APPLIES PER:
PROPOLICY
LOC
JECT
X
60624-29-54
11/05/2016 11/05/2016 D&O LIMIT/AGG
AUTOMOBILE LIABILITY
60624-29-54
SINGLE LIMIT
11/05/2015 11/05/2016 COMBINED
(Ea accident)
BODILY INJURY (Per person)
ANY AUTO
ALL OWNED
AUTOS
X
HIRED AUTOS
X
SCHEDULED
AUTOS
NON-OWNED
AUTOS
4,000,000
2,000,000
$ 500,000
$ 2,000,000
$
BODILY INJURY (Per accident) $
PROPERTY DAMAGE
(Per accident)
$
$
B
A
A
A
UMBRELLA LIAB
OCCUR
EACH OCCURRENCE
$
EXCESS LIAB
CLAIMS-MADE
AGGREGATE
$
DED
RETENTION $
WORKERS COMPENSATION
AND EMPLOYERS' LIABILITY
Y/N
ANY PROPRIETOR/PARTNER/EXECUTIVE
N/A
Y
OFFICER/MEMBER EXCLUDED?
(Mandatory in NH)
If yes, describe under
DESCRIPTION OF OPERATIONS below
COMMON AREA PROPERTY (TOTAL)
EMPLOYEE DISHONESTY/FIDELITY
BUILDING ORDINANCE (A/B/C)
$
A0948-24-27
11/05/2015 11/05/2016
X
WC STATUTORY LIMITS
OTHER
$
1,000,000
E.L. DISEASE - EA EMPLOYEE $
1,000,000
1,000,000
E.L. EACH ACCIDENT
E.L. DISEASE - POLICY LIMIT
60624-29-54
60624-29-54
60624-29-54
11/05/2015 11/05/2016 $
55,000
100,000
11/05/2015 11/05/2016 INCLUDED
$
$ 1,000 DED
$ 1,000 DED
11/05/2015 11/05/2016 $
DESCRIPTION OF OPERATIONS / LOCATIONS / VEHICLES (Attach ACORD 101, Additional Remarks Schedule, if more space is required)
Peter W. Stanley and Jeanne L. Long, Husband and Wife as Joint tenants, 3118 Camino Crest Drive, Oceanside, CA 92056
PLANNED UNIT DEVELOPMENT - COMMON AREA COVERAGE. OWNERS ARE REQUIRED TO OBTAIN INDIVIDUAL H03 COVERAGE. (31 UNITS)
CERTIFICATE HOLDER
TCF National Bank
2nd Mortgagee
ISAOA Attn: Escrow Department
MC PCC-2E-1 1405 Xenium Lane N.
Plymouth, MN 55441
Loan Number: 0994102998
CANCELLATION
SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE
THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN
ACCORDANCE WITH THE POLICY PROVISIONS.
AUTHORIZED REPRESENTATIVE
ACORD 25 (2010/05)
© 1988-2010 ACORD CORPORATION. All rights reserved.
The ACORD name and logo are registered marks of ACORD
MEMO
TO: Mortgage Processors
FROM: MICHAEL ABDOU INSURANCE AGENCY
7850 Mission Center Ct #103
San Diego, CA 92108-1328
(619)293-7779
FAX: (619)298-7523
The master insurance policies for this community include the following:
1) Building Ordinance or Law Coverage / Contingent Liability
a) Loss in Value
b) Increased Cost of Demolition
c) Increased Cost of Construction
2) Separation of Insureds (Severability of Interests)
3) Property management is named additional insured on General Liability,
Directors & Officers (D&O), and Fidelity (crime) coverage.
4) Property coverage is Special Form/All-Risk unless otherwise indicated.
5) Mechanical Breakdown, A.K.A. Boiler & Machinery is included when indicated.
--------------------------------------------------------------------------Other Information:
"GRC" means Guaranteed Replacement Cost (coinsurance waived)
"AAV" means Agreed Amount Value (coinsurance waived)
"RCV" means Replacement Cost Value
"ERC" means Extended Replacement Cost
--------------------------------------------------------------------------Unit Owners Coverage Information (Coverage per CC&Rs):
"All-In" means including betterments and improvements
"Single Entity" means including unit interiors, but excluding betterments
"Bare Walls" means excluding unit interiors beyond unfinished surfaces.
--------------------------------------------------------------------------Policy Cancellation Provisions:
There is a 10 day notice of cancellation for non-payment of premiums,
and a 30 day notice of cancellation for all other reasons to the
Association Insurance Trustee.
.
Form 438BFU NS
(Rev. May 1, 1942) x
Lender's Loss Payable Endorsement
1. Loss or damage, if any, under this policy, shall be paid to the Payee named in the Declarations of this policy, its successors and assigns,
hereinafter referred to as "the Lender", in whatever form or capacity its interests may appear and whether said interest be vested in
said Lender in its individual or in its disclosed or undisclosed fiduciary or representative capacity, or otherwise, or vested in a nominee
or trustee of said Lender.
2. The insurance under this policy, or any rider or endorsement attached thereto, as to the interest only of the Lender, its successors and
assigns, shall not be invalidated nor suspended: (a) by any error, omission, or change respecting the ownership, description, possession,
or location of the subject of the insurance or the interest therein, or the title thereto; (b) by the commencement of foreclosure
proceedings or the giving of notice of sale of any of the property covered by this policy by virtue of any mortgage or trust deed; (c)
by any breach of warranty, act, omission, neglect, or non-compliance with any of the provisions of this policy, including any and all
riders now or hereafter attached thereto, by the named insured, the borrower, mortgagor, trustor, vendee, owner, tenant,
warehouseman, custodian, occupant, or by the agent of either or any of them or by the happening of any event permitted by them
or either of them, or their agents, or which they failed to prevent, whether occurring before or after the attachment of this
endorsement, or whether before or after a loss, which under the provisions of this policy of insurance or of any rider or endorsement
attached thereto would invalidate or suspend the insurance as to the named insured, excluding here from, however, any acts or
omissions of the Lender while exercising active control and management of the property.
3. In the event of failure of the insured to pay any premium or additional premium which shall be or become due under the terms of
this policy or on account of any change in occupancy or increase in hazard not permitted by this policy, this Company agrees to give
written notice to the Lender of such non-payment of premium after sixty (60) days from and within one hundred and twenty (120)
days after due date of such premium and it is a condition of the continuance of the rights of the Lender hereunder that the Lender
when so notified in writing by this Company of the failure of the insured to pay such premium shall pay or cause to be paid the
premium due within ten (10) days following receipt of the Company's demand in writing therefore. If the Lender shall decline to pay
said premium or additional premium, the rights of the Lender under this Lender's Loss Payable Endorsement shall not be terminated
before ten (1 0) days after receipt of said written notice by the Lender.
4. Whenever this Company shall pay to the Lender any sum for loss or damage under this policy and shall claim that as to the insured
no liability therefore exists, this Company, at its option, may pay to the Lender the whole principal sum and interest and other
indebtedness due or to become due from the insured, whether secured or unsecured, (with refund of all interest not accrued), and
this Company, to the extent of such payment, shall thereupon receive a full assignment and transfer, without recourse, of the debt
and all rights and securities held as collateral thereto.
5. If there be any other insurance upon the within described property, this Company shall be liable under this policy as to the Lender
for the proportion of such loss or damage that the sum hereby insured bears to the entire insurance of similar character on said
property under policies held by, payable to and expressly consented to by the Lender. Any Contribution Clause included in any Fallen
Building Clause Waiver or any Extended Coverage Endorsement attached to this contract of insurance is hereby nullified, and also
any Contribution Clause in any other endorsement or rider attached to this contract of insurance is hereby nullified except
Contribution Clauses for the compliance with which the insured has received reduction in the rate charged or has received extension
of the coverage to include hazards other than fire and compliance with such Contribution Clause is made a part of the consideration
for insuring such other hazards. The Lender upon the payment to it of the full amount of its claim, will subrogate this Company (pro
rata with all other insurers contributing to said payment) to all of the Lender's rights of contribution under said other insurance.
6. This Company reserves the right to cancel this policy at any time, as provided by its terms, but in such case this policy shall continue
in force for the benefit of the Lender for ten (1 0) days after written notice of such cancellation is received by the Lender and shall
then cease.
7. This policy shall remain in full force and effect as to the interest of the Lender for a period of ten (10) days after its expiration unless
an acceptable policy in renewal thereof with loss thereunder payable to the Lender in accordance with the terms of this Lender's Loss
Payable Endorsement, shall have been issued by some insurance company and accepted by the Lender.
8. Should legal title to and beneficial ownership of any of the property covered under this policy become vested in the Lender or its
agents, insurance under this policy shall continue for the term thereof for the benefit of the Lender but, in such event, any privileges
granted by this Lender's Loss Payable Endorsement which are not also granted the insured under the terms and conditions of this
policy and/or under other riders or endorsements attached thereto shall not apply to the insurance hereunder as respects such property.
9. All notices herein provided to be given by the Company to the Lender in connection with this policy and this Lender's Loss Payable
Endorsement shall be mailed to or delivered to the Lender at its office or branch described in the Declarations of the policy.
Approved:
Board of Fire Underwriters of the Pacific,
California Bankers' Association,
Committee on Insurance.
FA
25-4160
1-09
ME
Michael Abdou Insurance Agency, Inc.
Farmers Commercial Agency of the Year!
Phone: 619.293.7779 | Fax: 619.298.7523
7850 Mission Center Ct., Ste 103
San Diego, CA 92108-1323
CA #0C73864 | AZ #172886 | NV #671529
Dear Unit Owner,
Welcome to the Michael Abdou Insurance Agency, Inc. I am the agent of the Master Condominium Insurance
Policy for your association. I invite you to take advantage of my agency’s Farmers Friendly Review to make sure
that you are properly protected as a Condominium Unit Owner. Remember, the master insurance policy does not
provide the following coverage for your personal condominium:
INSURANCE COVERAGE NEEDS FOR CONDOMINIUM UNIT OWNERS
Personal Liability coverage pays for bodily injuries to other people or damage to their property if you are liable
resulting from unintentional acts committed by yourself or qualified family members, including but not limited to
sporting activities and acts of your pet(s).
Personal Property coverage with replacement cost covering personal belongings as the association master policy
does not cover a unit owner’s personal property
Loss of Use will pay the unit owners living expenses while the unit is not habitable due to an insured loss (i.e.
housing, food, utilities, etc. in the event of a fire).
Unit Owner’s Building Property can be covered as the association’s policy may not provide for complete coverage
of the unit interior fixtures or upgrades. This Coverage may pay for an individual claim against the master policy
deductible.
Loss Assessment will pay the owner’s share or portion thereof, of assessments levied to all unit owners in the event
of an insured loss exceeding the master policy limits.
Personal Earthquake Insurance you may obtain supplemental earthquake coverage for your personal unit through
the California Earthquake Authority.
Personal Umbrella Liability coverage provides additional liability above the underlying limits of your personal
liability. Where available, coverage may extend for Loss Assessments over $50,000.
Each Homeowners Association and their respective Master Policies have various exclusions in regards to the
coverage of your real estate investment. Among many of the common exclusions are Unit Improvements,
Personal Property, and Personal Liability. As each owner’s needs vary, please contact my office to complete
your Farmers Friendly Review by phone or in person.
Sincerely,
Michael Abdou, President
Michael Abdou Insurance Agency, Inc
Members of the Farmers Presidents Council are a select group of agents and district managers
Who demonstrate expertise in providing insurance to the American Public
Michael Abdou Insurance Agency, Inc.
Farmers Commercial Agency of the Year!
Phone: 619.293.7779 | Fax: 619.298.7523
7850 Mission Center Ct., Ste 103
San Diego, CA 92108-1323
CA #0C73864 | AZ #172886 | NV #671529
¡Atencion Dueños de Unidades de Condominios
Bienvenidos a la agencia de Michael Abdou Insurance Agency, Inc. Soy su agente de la poliza principal (Master
Policy) de su asociación de condominios. Los invito a que tomen ventaja de nuestro programa gratuito Farmers
Friendly Review (Revisión de Farmers Amigable), para asegurar que tenga la protección necesaria como dueño de
una unidad de condominio.
Coverturas Necesarias de Aseguranza Para Un Propietario Residente de Una Unidad de Condominio
Aseguranza contra daños a terceros covertura paga gastos medicos a lesionados otras personas, o daños de
propiedad agena por la cual usted se encuentra responsable por actos que no son intencionales cometidos por usted
o miembros calificantes de su familia, incluyendo pero no limitado a actividades de deportes y actos causados por
su animales.
Propiedad Personal cobertura con gastos para reemplazar cubriendo su artículos personales. Articulos personales
no están cubiertos bajo la poliza principal de la associación a dueños de unidades (por ejemplo: muebles y ropa).
Pérdida de Uso la compañia pagará los gastos adicionales de hospedaje si su unidad se encuentra inservible por
causa de un reclamo cubierto bajo la poliza personal (por ejemplo, esto puede cubrir hospedaje, comida, y utilidades
despues de un incendio).
Covertura para propiedad de edificio que le pertenece al dueño Puede cubrir cuando la poliza de la asociación
no incluye daños mejoraci del dueño como techos, pizos, paredes, pintura, y gabinetes. Cobertura puede pagar un
reclamo individual contra la póliza principal de la asociación.
Pérdidas por asesoría pagará la porción que le pertenece al dueño de la unidad por causa de asesoría contra todos
los dueños de unidades causados por un reclamo donde los gastos exceden los limites de la póliza principal de la
asociación.
Cubres de terromoto usted puede obtener una poliza addicional para cubrir sus efectos personales en caso de
terremoto por medio del California Earthquake Authority
La Umbrella Personal de Obligación proporciona obligación adicional encima de los límites fundamentales de su
obligación personal. Dónde disponible, la covertura puede extender para Evaluaciones de Pérdida más de $50.000.
Cada Asociación de Unidades y sus respectivas polizas principales tienen varias exclusions con respecto a la
covertura de su inversión en bienes raices. Unas de las exclusiones más comunes son las mejorias a sú unidad,
propiedad personal y daños a terceros.
Atentamente,
Claudia Ortega, Agente Bilingüe
Michael Abdou Insurance Agency, Inc.
Los miembros de Farmers Concilio Presidental es un grupo selecto de agentes y representantes regionales. Que
demuestran conocimiento practico en proporcionar seguro al público norteamericano.