Daily EDI Mortgagee Notification, Billing, & Payment

Examples


Overview
Examples
Individual Notifications
Specific Instructions
3rd Party Transmission Schedule


Mortgagee Reason Codes
Federal Wire Payments
Automated Clearing House Payments
EDI Survey

Mortgagee Notification, Billing and Payment Examples

Please review the different examples of the Mortgagee Notification, Billing and Payment standard. The examples show how the Consolidated Service Invoice/Statement (811) transaction is sent differently based on the six different notification types. Common for nearly every notification is the ability to remit payment using the Payment Order/Remittance Advice (820).

Notfications and Billing Using the 811

Examples for Consolidated Service Invoice/Statement (811)

Used to identify the sending and receiving parties of the 811 consolidated invoice transaction set.

  • The sender can be an insurance company or an insurance company service bureau.
  • The receiver can be either a mortgage company or a mortgage company service provider.
  • Contact names sent here are meant to be technical representatives administrating the EDI process.
  • The Invoice Number (BIG02) must be returned in the 820 remittance advice when paying.
811 Data Format Description
ISA*00* *00* *ZZ*STFM SF00053 *ZZ*123456789 *041115*0817*U*00401*000000010*0*P*> This is the envelope segment for the 811.
  • 000000010 is the unique number for this envelope.
GS*CI*STFM   SF00053*123456789 *20041115*0817*10*X*004010~
  • This is the group segment for the 811.
  • 10 is the unique number for this group.
ST*811*0002;
  • This is the transaction segment for the 811.
  • 0002 is the unique number for this transaction
BIG*20050101*0000000001303134156;
  • Billing Process Date (BIG01).
  • The Invoice Number (BIG02) is returned in the 820 remittance advice when paying.
N1*IN*STATE FARM INSURANCE COMPANY*FI*370533100;
  • IN Sending party name.
  • FI Sending partyTax ID.
N1*SJ*A ONE MORTGAGE*FI*123456789;
  • SJ Receiving party name.
  • FI Receiving party Tax ID.

Examples for Consolidated Service Invoice/Statement (811)

Used to describe the insurance company and their banking numbers.

  • If the sender of this transaction is an insurance service bureau, the use of this section may occur more than once depending on the number of insurance companies serviced by the bureau.
  • If the sender is a single insurance company, this section will occur only once.
811 Data Format Description
HL*1**1*1; HL segments represent a looping structure within the standard transaction set. This loop is for Branch or Billing Center detail.
LX*1; Section separator
REF*RT*011001234; Routing transit number for the bank that accepts payment from you to State Farm. Use this number in the 820 remittance advice.
  • RT Bank routing transit number
REF*PY*60370003155603; The State Farm bank account number where payments from you can be sent using the 820 remittance advice. Use this number in the 820 remittance advice.
  • PY Bank account number
REF*8V*SFCF0100302; The State Farm reference number at the bank accepting payments from you. This number is returned on FED-wire transfer memos.
  • 8V Further credit to reference number
NM1*IN*2*STATE FARM INSURANCE COMPANY*****FI*370533100;
  • IN Insurance company name
  • FI Insurance company Tax ID

Examples for Consolidated Service Invoice/Statement (811) - Example 1 Insurance Verification

Used to describe information about the mortgage company.

  • If the receiver of this transaction is a mortgage company this section will only occur once.
  • If the receiver is a mortgage company service provider, this section could occur more than once.
811 Data Format Description
HL*2*1*3*1; HL segments represent a looping structure within the standard transaction set. This loop is for Mortgage Company detail.
LX*1; Section separator
AMT*1*60000.15; This amount represents a total of all the individual amount dues located in the IT104 segments to follow.
  • 1 Line item total
QTY*46*125; This amount represents a total number of notifications to follow.
  • 46 Number of notifications/billings
NM1*MM*2*A-ONE MORTGAGE*****FI*987654321;
  • MM Mortgage company name
  • FI Mortgage company Tax ID
N4*****RJ*302;
  • RJ Mortgage company branch

Examples for Consolidated Service Invoice/Statement (811)

Table 2 - Policy Detail

State Farm informs interested parties when a policy has been issued to a new insured and/or new subject of insurance not previously insured. For those lenders with a delivery method of electronic (or electronic & paper) the New Business transaction will be sent.

811 Data Format Description
HL*4*2*4*1; HL segments represent a looping structure within the standard transaction set. This loop is for policy detail
LX*11; Section separator. This field will increment with each new notification.
SI*AD*01*NBS; The transaction type for this request.
  • NBS New Business
PID*S*02*AD*MG; The PID identifies the party responsible for paying the insurance premium.
  • IN Insured pays
  • MG Mortgagee pays
REF*TV*HOME; Line of business identifies the type of policy.
  • HOME Homeowner’s policy
  • PPTHO Renters
  • PPUHO Condo Unit Owners
  • DFIRE Fire
  • EQKP Earthquake
  • FARM Farm
  • BOAT Boat owners
  • RCUP Rental condo unit owner
  • PPMBH Mobil Home
  • PPCHO Condominium
  • PPART Apartment
  • FLOOD Flood
  • RDP Rental dwelling
  • COTHR Business Other
  • BOP Business owner
  • CNT Contractor
  • PPCHR Church
  • PAP Personal Articles
  • PLU Personal Liability Umbrella
REF*NF*25143; The NAIC code identifies the State Farm affiliate underwriting the insurance policy.
  • 25143 State Farm Fire
  • 43419 State Farm Lloyds
  • 25151 State Farm General
  • 10739 State Farm Florida
REF*LD*000012567679; Loan number of the mortgaged property as identified on the insurance policy.
  • LD Loan Number
REF*IG*75RV34457;
  • IG Insurance policy number
REF*ABC*01; The Operation Center number is expected back with the 820 remittance advice (REF*32).
  • ABC State Farm Operation Center Number
REF*0K*FP-7955.IL*HOMEOWNER POLICY;

REF*0K*LSP A1*REPLACEMENT COST;		 These segments represent the forms and endorsements associated with this insurance policy.
  • 0K Policy form number and description
REF*UA*1; State Farm does not keep track of Loan Type. This is the order at which this lender appears on the insurance policy.
  • 1 First mortgagee
  • 2 Second mortgagee
  • 3 Third mortgagee
AMT*PE*348; This is the cost of the insurance policy for the entire term. This is NOT the amount due.
  • PE Full term premium amount of the policy
DTM*007*20040131; This is the beginning date of the insurance policy’s term.
  • 007 Policy effective date
DTM*036*20050131; State Farm insurance policies are continuous until cancelled. This is when the insurance policy term expires unless renewed.
  • 036 Policy expiration date
NM1*U3*1*LITTLE, JOHN C;
  • U3 Insurance agent name
N3*42 NORTH MAIN STREET; Insurance agent address
N4*LAPTON*AZ*85289; Insurance agent city, state and zip
PER*AG**TE*5124984051;
  • AG Insurance agent telephone number
IT1**1*EA*10.50; New Business documents may include a balance due and can be paid using the 820 remittance advice.
  • EA Policy premium dollars
DTM*814*20040607;
  • 814 Remittance Due Date
DTM*009*20040507;
  • 009 Process date
NM1*IL*1*DOE, JOHN;
  • IL Insured name
N3*27 COURT STREET; Insured mailing street address.
N4*SAN FRANCISCO*CA*94111; Insured mailing city, state and zip
NX2*15*12 MARKET STREET; Insured property street address.
  • 15 Unstructured street address
NX2*07*BLOOMINGTON; Insured property city name.
  • 07 City name
NX2*08*IL; Insured property state name.
  • 08 State abbreviation
NX2*19*617050001; 9 digit Insured property zip code if present.
  • 19 Insured property zip (9 digit)
III*CV*DWELL; Insurance policy coverages.
  • DWELL Dwelling
AMT*2Y*214900;
  • 2Y Dwelling risk amount
AMT*LU*42980;
  • LU Option coverage amount
AMT*AU*21490;
  • AU Building Ordinance or Law amount
AMT*PH*500;
  • PH Deductible amount
III*CV*OS; Insurance policy coverages.
  • OS Other Structures
AMT*2Y*21490;
  • 2Y Other Structures risk amount

Examples for Consolidated Service Invoice/Statement (811)

Table 2 - Policy Detail

When a change to an insurance policy affects the premium, State Farm sends an Entry Endorsement. If the change does not affect the premium, a Non Entry Endorsement is created. Either of these changes will result in State Farm sending a Policy Change/ Endorsement for those lenders whose delivery method is electronic (or electronic & paper).

811 Data Format Description
HL*5*2*4*1; HL segments represent a looping structure within the standard transaction set. This loop is for policy detail
LX*1; Section separator. This field will increment with each new notification.
SI*AD*01*PCH; The transaction type for this request.
  • PCH Policy Change/Endorsement
PID*S*02*AD*IN; The PID identifies the party responsible for paying the insurance premium.
  • IN Insured pays
  • MG Mortgagee pays
REF*TV*HOME; Line of business identifies the type of policy.
  • HOME Homeowner’s policy
  • PPTHO Renters
  • PPUHO Condo Unit Owners
  • DFIRE Fire
  • EQKP Earthquake
  • FARM Farm
  • BOAT Boat owners
  • RCUP Rental condo unit owner
  • PPMBH Mobil Home
  • PPCHO Condominium
  • PPART Apartment
  • FLOOD Flood
  • RDP Rental dwelling
  • COTHR Business Other
  • BOP Business owner
  • CNT Contractor
  • PPCHR Church
  • PAP Personal Articles
  • PLU Personal Liability Umbrella
REF*NF*25143; The NAIC code identifies the State Farm affiliate underwriting the insurance policy.
  • 25143 State Farm Fire
  • 43419 State Farm Lloyds
  • 25151 State Farm General
  • 10739 State Farm Florida
REF*LD*120594856756453; Loan number of the mortgaged property as identified on the insurance policy.
  • LD Loan Number
REF*IG*13GJ12139;
  • IG Insurance policy number
REF*ABC*01; The Operation Center number is expected back with the 820 remittance advice (REF*32).
  • ABC State Farm Operation Center Number
REF*0K*FP-7955.IL*HOMEOWNER POLICY;

REF*0K*LSP A1*REPLACEMENT COST;

REF*0K*FE-5440*FUNGUS(INCLUDING MOLD) EXCL:		 These segments represent the forms and endorsements associated with this insurance policy.
  • 0K Policy form number and description
REF*UA*1; State Farm does not keep track of Loan Type. This is the order at which this lender appears on the insurance policy.
  • 1 First mortgagee
  • 2 Second mortgagee
  • 3 Third mortgagee
AMT*PE*649; This is the cost of the insurance policy for the entire term. This is NOT the amount due.
  • PE Full term premium amount of the policy
DTM*007*20040601; This is the beginning date of the insurance policy’s term.
  • 007 Policy effective date
DTM*036*20050131; State Farm insurance policies are continuous until cancelled. This is when the insurance policy term expires unless renewed.
  • 036 Policy expiration date
NM1*U3*1*LITTLE, JOHN C;
  • U3 Insurance agent name
N3*42 NORTH MAIN STREET; Insurance agent address
N4*LAPTON*AZ*85289; Insurance agent city, state and zip
PER*AG**TE*5124984051;
  • AG Insurance agent telephone number
IT1**1*EA*42.15; An entry endorsement resulted in an amount due. This policy should be paid using the 820 remittance advice.
  • EA Policy premium dollars
DTM*814*20040726;
  • 814 Remittance Due Date
DTM*009*20040507;
  • 009 Process date
DTM*152*20040601;
  • 152 Policy effective date of change
NM1*IL*1*DOE, JOHN;
  • IL Insured name
N3*27 COURT STREET; Insured mailing street address.
N4*SAN FRANCISCO*CA*94111; Insured mailing city, state and zip
NX2*15*12 MARKET STREET; Insured property street address.
  • 15 Unstructured street address
NX2*07*BLOOMINGTON; Insured property city name.
  • 07 City name
NX2*08*IL; Insured property state name.
  • 08 State abbreviation
NX2*19*617050001; 9 digit Insured property zip code if present.
  • 19 Insured property zip (9 digit)
III*CV*DWELL; Insurance policy coverages.
  • DWELL Dwelling
AMT*2Y*214900;
  • 2Y Dwelling risk amount
AMT*LU*42980;
  • LU Option coverage amount
AMT*AU*21490;
  • AU Building Ordinance or Law amount
AMT*PH*500;
  • PH Deductible amount
III*CV*OS; Insurance policy coverages.
  • OS Other Structures
AMT*2Y*21490;
  • 2Y Other Structures risk amount

Examples for Consolidated Service Invoice/Statement (811)

Table 2 - Policy Detail

When premium payments are received after a cancellation notice has already been sent, the interested parties receive a Reinstatement notification.

811 Data Format Description
HL*6*2*4*1; HL segments represent a looping structure within the standard transaction set. This loop is for policy detail
LX*1; Section separator. This field will increment with each new notification.
SI*AD*01*REI; The transaction type for this request.
  • REI Reinstatement
PID*S*02*AD*IN; The PID identifies the party responsible for paying the insurance premium.
  • IN Insured pays
  • MG Mortgagee pays
REF*TV*HOME; Line of business identifies the type of policy.
  • HOME Homeowner’s policy
  • PPTHO Renters
  • PPUHO Condo Unit Owners
  • DFIRE Fire
  • EQKP Earthquake
  • FARM Farm
  • BOAT Boat owners
  • RCUP Rental condo unit owner
  • PPMBH Mobil Home
  • PPCHO Condominium
  • PPART Apartment
  • FLOOD Flood
  • RDP Rental dwelling
  • COTHR Business Other
  • BOP Business owner
  • CNT Contractor
  • PPCHR Church
  • PAP Personal Articles
  • PLU Personal Liability Umbrella
REF*NF*25143; The NAIC code identifies the State Farm affiliate underwriting the insurance policy.
  • 25143 State Farm Fire
  • 43419 State Farm Lloyds
  • 25151 State Farm General
  • 10739 State Farm Florida
REF*LD*120594856756453; Loan number of the mortgaged property as identified on the insurance policy.
  • LD Loan Number
REF*IG*13GJ12139;
  • IG Insurance policy number
REF*ABC*01; The Operation Center number is expected back with the 820 remittance advice (REF*32).
  • ABC State Farm Operation Center Number
REF*UA*1; State Farm does not keep track of Loan Type. This is the order at which this lender appears on the insurance policy.
  • 1 First mortgagee
  • 2 Second mortgagee
  • 3 Third mortgagee
AMT*PE*1850; This is the cost of the insurance policy for the entire term. This is NOT the amount due.
  • PE Full term premium amount of the policy
DTM*007*20040601; This is the beginning date of the insurance policy’s term.
  • 007 Policy effective date
DTM*036*20050131; State Farm insurance policies are continuous until cancelled. This is when the insurance policy term expires unless renewed.
  • 036 Policy expiration date
NM1*U3*1*LITTLE, JOHN C;
  • U3 Insurance agent name
N3*42 NORTH MAIN STREET; Insurance agent address
N4*LAPTON*AZ*85289; Insurance agent city, state and zip
PER*AG**TE*5124984051;
  • AG Insurance agent telephone number
IT1**1*EA*0; A reinstated policy will not be sent with a balance due. Any money owed for this policy will be sent in a separate Policy Change/Endorsement notification.
  • EA Policy premium dollars
DTM*009*20040601;
  • 009 Insurance policy process date.
DTM*584*20040601;
  • 584 Insurance policy reinstatement date.
NM1*IL*1*DOE, JOHN;
  • IL Insured name
N3*27 COURT STREET; Insured mailing street address.
N4*SAN FRANCISCO*CA*94111; Insured mailing city, state and zip
NX2*15*12 MARKET STREET; Insured property street address.
  • 15 Unstructured street address
NX2*07*BLOOMINGTON; Insured property city name.
  • 07 City name
NX2*08*IL; Insured property state name.
  • 08 State abbreviation
NX2*19*617050001; 9 digit Insured property zip code if present.
  • 19 Insured property zip (9 digit)
III*CV*DWELL; Insurance policy coverages.
  • DWELL Dwelling
AMT*2Y*224200;
  • 2Y Dwelling risk amount

Examples for Consolidated Service Invoice/Statement (811)

Table 2 - Policy Detail

The continuous nature of a State Farm policy provides for automatic policy renewal subject to the premiums, rules and forms in effect for each succeeding policy term. The renewal billing notification is the transaction used to initiate the collection of premium dollars.

811 Data Format Description
HL*7*2*4*1; HL segments represent a looping structure within the standard transaction set. This loop is for policy detail
LX*1; Section separator. This field will increment with each new notification.
SI*AD*01*RWL; The transaction type for this request.
  • RWL Renewal
PID*S*02*AD*MG; The PID identifies the party responsible for paying the insurance premium.
  • IN Insured pays
  • MG Mortgagee pays
REF*TV*HOME; Line of business identifies the type of policy.
  • HOME Homeowner’s policy
  • PPTHO Renters
  • PPUHO Condo Unit Owners
  • DFIRE Fire
  • EQKP Earthquake
  • FARM Farm
  • BOAT Boat owners
  • RCUP Rental condo unit owner
  • PPMBH Mobil Home
  • PPCHO Condominium
  • PPART Apartment
  • FLOOD Flood
  • RDP Rental dwelling
  • COTHR Business Other
  • BOP Business owner
  • CNT Contractor
  • PPCHR Church
  • PAP Personal Articles
  • PLU Personal Liability Umbrella
REF*NF*25143; The NAIC code identifies the State Farm affiliate underwriting the insurance policy.
  • 25143 State Farm Fire
  • 43419 State Farm Lloyds
  • 25151 State Farm General
  • 10739 State Farm Florida
REF*LD*120594856756453; Loan number of the mortgaged property as identified on the insurance policy.
  • LD Loan Number
REF*IG*13GJ12139;
  • IG Insurance policy number
REF*ABC*01; The Operation Center number is expected back with the 820 remittance advice (REF*32).
  • ABC State Farm Operation Center Number
REF*0K*FP-7955.IL*HOMEOWNER POLICY;

REF*0K*FE-72105*AMENDATORY ENDORSEMENT;

REF*0K*FE-5702*BACK-UP OF SEWER OR DRAIN;

REF*0K*FE-57031*HURRICANE DEDUCTIBLE;		 These segments represent the forms and endorsements associated with this insurance policy.
  • 0K Policy form number and description
REF*UA*1; State Farm does not keep track of Loan Type. This is the order at which this lender appears on the insurance policy.
  • 1 First mortgagee
  • 2 Second mortgagee
  • 3 Third mortgagee
AMT*PE*600; This is the cost of the insurance policy for the entire term. This is NOT the amount due.
  • PE Full term premium amount of the policy
DTM*007*20040601; This is the beginning date of the insurance policy’s term.
  • 007 Policy effective date
DTM*036*20050131; State Farm insurance policies are continuous until cancelled. This is when the insurance policy term expires unless renewed.
  • 036 Policy expiration date
NM1*U3*1*LITTLE, JOHN C;
  • U3 Insurance agent name
N3*42 NORTH MAIN STREET; Insurance agent address
N4*LAPTON*AZ*85289; Insurance agent city, state and zip
PER*AG**TE*5124984051;
  • AG Insurance agent telephone number
IT1**1*EA*600; A renewal is a bill for premiums due. This due amount can be paid in the 820 remittance advice.
  • EA Policy premium dollars
DTM*814*20040726;
  • 814 Remittance Due Date
NOTE: Insurance policies can be billed on a daily basis or in a combined list. When billed daily, the remittance due date will be here. If billed as a combined list, use the Combined Remittance Due Date in Table 2 – Mortgage Company Detail.
DTM*009*20040601;
  • 009 Insurance policy process date.
NM1*IL*1*DOE, JOHN;
  • IL Insured name
N3*27 COURT STREET; Insured mailing street address.
N4*SAN FRANCISCO*CA*94111; Insured mailing city, state and zip
NX2*15*12 MARKET STREET; Insured property street address.
  • 15 Unstructured street address
NX2*07*BLOOMINGTON; Insured property city name.
  • 07 City name
NX2*08*IL; Insured property state name.
  • 08 State abbreviation
NX2*19*617050001; 9 digit Insured property zip code if present.
  • 19 Insured property zip (9 digit)
III*CV*DWELL; Insurance policy coverages.
  • DWELL Dwelling
AMT*2Y*1514000;
  • 2Y Dwelling risk amount
AMT*LU*42980;
  • LU Option coverage amount
AMT*AU*21490;
  • AU Building Ordinance or Law amount
AMT*PH*1000;
  • PH Deductible amount
LQ*ZZ*35;
  • 35 Hurricane Coverage Addition
AMT*2Y*151400;
  • 2Y Hurricane risk amount
PCT*PH*.02;
  • PH Hurricane deductible
III*CV*OS; Insurance policy coverages.
  • OS Other Structures
AMT*2Y*15140;
  • 2Y Other Structures risk amount

Examples for Consolidated Service Invoice/Statement (811)

Table 2 - Policy Detail

A Notice of Cancellation is created to advise an interested party that premium due has not been received and the policy will cancel if unpaid. State Farm will send the NPP Cancellation Reason Code for these types of cancel notifications. The Acknowledgement of Cancellation Request is sent when either State Farm or the insured has requested the insurance policy be cancelled. If the request comes from the insured, State Farm will send the CRQ Cancellation Reason Code.

811 Data Format Description
HL*8*2*4*1; HL segments represent a looping structure within the standard transaction set. This loop is for policy detail
LX*1; Section separator. This field will increment with each new notification.
SI*AD*01*XLC*10*CRQ; The transaction type for this request.
  • XLC Cancellation
    • NPP Cancel for non payment of premium
    • COC Cancelled by the company
    • CRQ Cancelled by the insured
PID*S*02*AD*IN; The PID identifies the party responsible for paying the insurance premium.
  • IN Insured pays
  • MG Mortgagee pays
REF*TV*HOME; Line of business identifies the type of policy.
  • HOME Homeowner’s policy
  • PPTHO Renters
  • PPUHO Condo Unit Owners
  • DFIRE Fire
  • EQKP Earthquake
  • FARM Farm
  • BOAT Boat owners
  • RCUP Rental condo unit owner
  • PPMBH Mobil Home
  • PPCHO Condominium
  • PPART Apartment
  • FLOOD Flood
  • RDP Rental dwelling
  • COTHR Business Other
  • BOP Business owner
  • CNT Contractor
  • PPCHR Church
  • PAP Personal Articles
  • PLU Personal Liability Umbrella
REF*NF*25143; The NAIC code identifies the State Farm affiliate underwriting the insurance policy.
  • 25143 State Farm Fire
  • 43419 State Farm Lloyds
  • 25151 State Farm General
  • 10739 State Farm Florida
REF*LD*120594856756453; Loan number of the mortgaged property as identified on the insurance policy.
  • LD Loan Number
REF*IG*13GJ12139;
  • IG Insurance policy number
REF*ABC*01; The Operation Center number is expected back with the 820 remittance advice (REF*32).
  • ABC State Farm Operation Center Number
REF*UA*1; State Farm does not keep track of Loan Type. This is the order at which this lender appears on the insurance policy.
  • 1 First mortgagee
  • 2 Second mortgagee
  • 3 Third mortgagee
AMT*PE*585; This is the cost of the insurance policy for the entire term. This is NOT the amount due.
  • PE Full term premium amount of the policy
DTM*007*20040130; This is the beginning date of the insurance policy’s term.
  • 007 Policy effective date
DTM*036*20050130; State Farm insurance policies are continuous until cancelled. This is when the insurance policy term expires unless renewed.
  • 036 Policy expiration date
NM1*U3*1*LITTLE, JOHN C;
  • U3 Insurance agent name
N3*42 NORTH MAIN STREET; Insurance agent address
N4*LAPTON*AZ*85289; Insurance agent city, state and zip
PER*AG**TE*5124984051;
  • AG Insurance agent telephone number
IT1**1*EA*0; A cancellation for non pay may have a balance due amount. This policy should be paid using the 820 remittance advice.
  • EA Policy premium dollars
DTM*177*20040308;
  • 177 Insurance policy cancel effective date.
DTM*009*20040514;
  • 009 Insurance policy process date.
DTM*508*20040529; This date will be sent for insurance policies cancelled at the request of the insured.
  • 508 Coverage cease date for those parties subject to the mortgagee clause condition of the policy.
NM1*IL*1*DOE, JOHN;
  • IL Insured name
N3*27 COURT STREET; Insured mailing street address.
N4*SAN FRANCISCO*CA*94111; Insured mailing city, state and zip
NX2*15*12 MARKET STREET; Insured property street address.
  • 15 Unstructured street address
NX2*07*BLOOMINGTON; Insured property city name.
  • 07 City name
NX2*08*IL; Insured property state name.
  • 08 State abbreviation
NX2*19*617050001; 9 digit Insured property zip code if present.
  • 19 Insured property zip (9 digit)
III*CV*DWELL; Insurance policy coverages.
  • DWELL Dwelling
AMT*2Y*92500;
  • 2Y Dwelling risk amount

Examples for Consolidated Service Invoice/Statement (811)

Table 2 - Policy Detail

Used to identify items billed that do not reflect the full premium amount. Policy rewrites and credit transfers from previous policies are examples.

  • Occurs within a single policy detail transaction and identifies netted items.
  • This loop can only be used when code NE is present in the IT105 element of the Table 2 – Policy Detail section.
811 Data Format Description
HL*12*11*8; HL segments represent a looping structure within the standard transaction set. This loop is for policy detail
SLN*9*1*I***0; Net items for a single policy
SI*AD*03*030; Policy transaction type.
  • 030 Policy Adjustment
  • 045 cancellation or rewrite
REF*45*02; Previous internal policy number
REF*66*574290098A: When available, State Farm will send the previous policy number here when a reinstated or new business notification is sent or the new policy number when a cancellation is sent.
  • 66 Previous policy number
  • IG New policy number
REF*NF*99202; The Previous NAIC code.
  • 25143 State Farm Fire
  • 43419 State Farm Lloyds
  • 25151 State Farm General
  • 10739 State Farm Florida
REF*TV*HOME; Line of business identifies the type of policy.
  • HOME Homeowner’s policy
  • PPTHO Renters
  • PPUHO Condo Unit Owners
  • DFIRE Fire
  • EQKP Earthquake
  • FARM Farm
  • BOAT Boat owners
  • RCUP Rental condo unit owner
  • PPMBH Mobil Home
  • PPCHO Condominium
  • PPART Apartment
  • FLOOD Flood
  • RDP Rental dwelling
  • COTHR Business Other
  • BOP Business owner
  • CNT Contractor
  • PPCHR Church
  • PAP Personal Articles
  • PLU Personal Liability Umbrella

Examples for Consolidated Service Invoice/Statement (811)

Used to complete the 811 Consolidated Service Invoice/Statement and provide summary totals.

811 Data Format Description
TDS*1092.85; Net invoice amount
CTT*9; Total number of transactions
SE*236*0002;
  • 0002 is the unique number for this transaction
  • 236 is the number of segments in this 811 transaction.

Remit payment using the 820

Examples for Payment Order/Remittance Advice (820)

Used to indicate the payer and payee of the 820 transaction set, as well as the payment method, invoice numbers and payment dates. If the transaction is being sent by a mortgage company service provider, the service provider information is also conveyed.

820 Data Format Description
ISA*00*0000000000*00* *ZZ*123456789
*ZZ*STFM   SF00053 *041115*0817*U
*00401*000000010*1*P*>~		 This is the envelope segment for the 820.
  • 000000010 is the unique number for this envelope.
GS*MG*123456789*STFM   SF00053 *20021115*0817*10*X*00401~
  • This is the group segment for the 820.
  • 10 is the unique number for this group.
ST*820*0003;
  • This is the transaction segment for the 820.
  • 0003 is the unique number for this transaction
BPR*C*3700.00*C*ACH*CTX*01*02100021
*DA*123456*987654321*003001002*01*0
2000021*DA*654321*19981215*VEN;		 This is the payment segment which identifies banking information.  State Farm’s banking information is as follows:
  • BPR12 01
  • BPR13 011001234
  • BPR14 DA
  • BPR15 0106151
  • BPR16 the settlement date
  • BPR17 VEN
TRN*1*7766554421*1727384756*003001002; The trace number is used to match this transaction with a banking transaction made through the Federal Reserve or Automated Clearing House.
  • The Trace Number is sent in field 7 of the Entry Detail Record of an ACH transaction.
  •  The Trace Number is sent in the RFB field of a Federal Reserve wire.
State Farm accepts up to a 15 position Trace Number.
REF*IV*0020170201ICA123123; The Invoice Number originally sent in the BIG02 element of the electronic billing (811).
  • IV Invoice Number
For Daily Billing and Payments, the Invoice Number follows the following format:
  • Position 1 is zero
  • Position 2 is zero
  • Position 3 - 10 is current date as CCYYMMDD
  • Position 11 - 13 is the ICA # given by State Farm
  • Position 14 - 19 is the Account # given by State Farm
DTM*003*20050101;
  • 003 Billing cycle date
For Daily Billing, the Billing Cycle Date of the latest 811 Invoice being paid.
 
DTM*009*20050201; This is the date that the lender’s system created the electronic remittance (820).
  • 009 Process date
N1*PR**FI*123456789; The lender responsible for paying the insurance premium.
  • PR Payer
  • FI Payer Tax ID
N4*****RJ*01; The Lender’s Branch Code is used in conjunction with the Tax ID to create a unique identifier.
  • RJ Payer’s Branch code
N1*PE**FI*370533100; This identifies the payee, State Farm Insurance.
  • PE Payee name
  • FI Payee Tax ID
  • 370533100 State Farm Tax ID
N1*SJ**FI*572982961; Identifies the Lender’s service provider.
  • SJ Service provider name
  • FI Service Provider Tax ID

Examples for Payment Order/Remittance Advice (820)

Table 2 - Detail

Detail section includes information specific to a single policy. This section will occur several times for each mortgage company payment or remittance explanation. In the following example a policy premium is being paid and a new loan number is given to the insurance company.

820 Data Format Description
ENT*1*MM*CL*333333333300001; Entity and new loan number
  • CL Changed Loan Number
  • LN Loan Number
NM1*IL*1*DOE, JOHN L;
  • IL Insured name
N3*27 COURT STREET; Insured property address
N4*SAN FRANCISCO*CA*94111; Insured property city, state and zip
RMR*IG*57BB554432**245*245; Identifies the insurance policy number and the amounts paid and billed.
  • IG Policy number
  • RMR04 Amount paid
  • RMR05 Amount billed from the electronic billing (811)
REF*ABC*01; State Farm Operation Center code from the REF*32 segment of the electronic billing (811).
  • ABC Operation Center Code
REF*NF*99902; The NAIC code identifies the State Farm affiliate underwriting the insurance policy.
  • 25143 State Farm Fire
  • 43419 State Farm Lloyds
  • 25151 State Farm General
  • 10739 State Farm Florida
REF*TV*HOME; Line of business identifies the type of policy.
  • HOME Homeowner’s policy
  • PPTHO Renters
  • PPUHO Condo Unit Owners
  • DFIRE Fire
  • EQKP Earthquake
  • FARM Farm
  • BOAT Boat owners
  • RCUP Rental condo unit owner
  • PPMBH Mobil Home
  • PPCHO Condominium
  • PPART Apartment
  • FLOOD Flood
  • RDP Rental dwelling
  • COTHR Business Other
  • BOP Business owner
  • CNT Contractor
  • PPCHR Church
  • PAP Personal Articles
  • PLU Personal Liability Umbrella
REF*UA*1; The Mortgage Order is important when State Farm is expected to make changes, for example, to the loan number.
  • UA  Mortgage Order (1, 2, or 3)
DTM*007*20040615; This is the beginning date of the insurance policy’s term.
  • 007 Policy effective date
DTM*036*20050615; State Farm insurance policies are continuous until cancelled. This is when the insurance policy term expires unless renewed.
  • 036 Policy expiration date

Examples for Payment Order/Remittance Advice (820)

Table 2 - Detail

820 Data Format Description
ENT*2*MM*LN*123789456; Entity and new loan number
  • CL Changed Loan Number
  • LN Loan Number
RMR*IG*57BB554432**0*245; Identifies the insurance policy number and the amounts paid and billed.
  • IG Policy number
  • RMR04 Amount paid (zero)
  • RMR05 Amount billed from the electronic billing (811)
State Farm will receive in the 820 remittance both escrow and non-escrow policy information. Returning zero in the RMR05 element will identify non-escrow policies. Escrow policies will be identified by returning the original value of the IT104 element (of the 811 invoice) in the RMR05 element of the 820 remittance
REF*ABC*01; State Farm Operation Center code from the REF*32 segment of the electronic billing (811).
  • ABC Operation Center Code
REF*NF*25143; The NAIC code identifies the State Farm affiliate underwriting the insurance policy.
  • 25143 State Farm Fire
  • 43419 State Farm Lloyds
  • 25151 State Farm General
  • 10739 State Farm Florida
REF*TV*HOME; Line of business identifies the type of policy.
  • HOME Homeowner’s policy
  • PPTHO Renters
  • PPUHO Condo Unit Owners
  • DFIRE Fire
  • EQKP Earthquake
  • FARM Farm
  • BOAT Boat owners
  • RCUP Rental condo unit owner
  • PPMBH Mobil Home
  • PPCHO Condominium
  • PPART Apartment
  • FLOOD Flood
  • RDP Rental dwelling
  • COTHR Business Other
  • BOP Business owner
  • CNT Contractor
  • PPCHR Church
  • PAP Personal Articles
  • PLU Personal Liability Umbrella
REF*UA*1; The Mortgage Order is important when State Farm is expected to make changes, for example, to the loan number.
  • UA  Mortgage Order (1, 2, or 3)
DTM*007*20040131; This is the beginning date of the insurance policy’s term.
  • 007 Policy effective date
DTM*036*20050131; State Farm insurance policies are continuous until cancelled. This is when the insurance policy term expires unless renewed.
  • 036 Policy expiration date
ADX*245*H4; The Payment Reason code identifies why the payment differs from the originally billed amount.
  • H1 Information forthcoming
  • H2 Payment previously sent
  • H3 Loan paid in full
  • H4 Bill Insured
  • H5 Loan Service Released
  • H6 Partial payment remitted
  • H7 Payment forthcoming
  • H8 Bill Mortgagee
  • H9 Coverage Summary needed
  • K1 Other coverage placed
  • K2 Invalid Policy Number
  • K3 Renewal not received

Examples for Payment Order/Remittance Advice (820)

This section completes the 820 Payment Order/Remittance Advice.

820 Data Format Description
SE*27*0003;
  • 0003 is the unique number for this transaction
  • 27 is the number of segments in this 820 transaction.

997 Functional Acknowledgement electronic file

For every 811 Mortgage Daily EDI file sent from State Farm, a 997 Functional Acknowledgement electronic file is required to be returned to State Farm. When State Farm receives a 997 acknowledgement electronic file, State Farm’s system automatically acknowledge receiving of the files so manual follow-up is not needed.

In addition to the Interchange Control Header & Trailer and the Functional Group Header & Trailer, State Farm requires the following fields in 997 electronic file:

Functional Acknowledgement Example

ISA*00*..........
*01*SECRET....
*ZZ*SUBMITTERS.ID...
*Z*RECEIVERS.ID...
*980727*1250*U*0040
1*000000905*1*P*:~		 ISA Interchange Control Header – ISA is a fixed record length segment and all positions within each of the data elements must be filled. The first element separator defines the element separator to be used through the entire interchange. The segment terminator used after the ISA defines the segment terminator to be used throughout the entire interchange. Spaces in the example are represented by"." for clarity. To start and identify an interchange of zero or more functional groups and interchange-related control segments. T is for Test, P is for Production
GS*IN*SENDER CODE*
RECEIVER CODE*
19940331*0900*1*X
*004010~		 To indicate the beginning of a functional group and to provide control information.
ST*997*0001~ Transaction Header – to indicate the start of a transaction set and to assign a control number. The Transaction Set Control Numbers in ST02 and SE02 must be identical. The number is assigned by the originator and must be unique within a functional group (GS-GE). The number also aids in error resolution research. For example, start with the number 0001 and increment from there.
AK1*CI*1~ Functional Group Response – to acknowledgement of the cancellations sent in the 811. AK101 is the functional ID found in the GS segment (GS01) in the functional group being acknowledged. AK102 is the functional group control number found in the GS segment in the functional group being acknowledged.
Ak2*811*0005~ Transaction Set Response Header – to start acknowledgment of a single transaction set. AK201 is the transaction set ID found in the ST segment (ST01) in the transaction set being acknowledged. AK202 is the transaction set control number found in the ST segment in the transaction set being acknowledged.
AK3*NM1*37~ Data Segment Note – to report errors in a data segment and to identify the location of the data segment. AK301 is the 2 or 3 characters which occur at the beginning of a segment. AK302 is a data count, not a segment position in the standard description.
AK4*1*98*7~ Data Element note - To report errors in a data element and to identify the location of the data element. Data Element Syntax Error Code for AK403 is as follows:
1 Mandatory data element missing
2 Conditional required data element missing
3 Too many data elements
4 Data element too short
5 Data element too long
6 Invalid character in data element
7 Invalid code value
8 Invalid Date
9 Invalid Time
10 Exclusion Condition Violated
AK5*E~ Transaction Set Response Trailer - to acknowledge acceptance or rejection and to report errors in a transaction set. AK501 acknowledgment codes are as follows:
A – Accepted (ADVISED)
E – Accepted but errors were noted
R – Rejected (ADVISED)
AK9*A*2*2*2~ Functional Group Response Trailer - to acknowledge acceptance or rejection of a functional group and report the number of included transaction sets from the original trailer, the accepted sets, and the received sets. AK901 functional group acknowledge codes are as follows:
A – Accepted (ADVISED)
E – Accepted, but errors were noted
P – Partially accepted, at least one transaction set was rejected (ADVISED)
R – Rejected (ADVISED)
AK902 number of transactions sets included
AK903 number or received transaction sets
AK904 number of accepted transaction sets
SE*67*0001~ To indicate the end of a transaction set and to provide a count of the transmitted segments. SE01 is total number of segments included in a transaction set including ST and SE segments. SE02 - the Transaction Set Control Numbers in ST02 and SE02 must be identical. The number is assigned by the originator and must be unique within a functional group (GS-GE). The number also aids in error resolution research. For example, start with the number 0001 and increment from there.