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Daily EDI Mortgagee Notification, Billing, & Payment

Individual Notifications

Here are the Individual notifications that can be sent by State Farm to a participating lender and a brief description of their purpose.

Code Notification Description
EPI Insurance Verification Used by State Farm to provide insurance details to the lender due to insufficient insurance information on their loan record. This notification has been called a Coverage Summary document in its paper form.

Insurance Verification can be requested by a lender using the Mortgage Record Change and Application Advice standard.
NBS New Business Used to notify the lender when a new policy has been issued with the lender's mortgage clause attached. This notification has been called a New Business Declaration document in its paper form.

New Business notifications often represent a change in policy numbers from which you may have received in a Binder or Evidence of Insurance.

There may be money due State Farm with this notification which should be paid electronically using the 820 Payment/Order Remittance Advice.
PCH Policy Change or Endorsement Used by State Farm to communicate a change in the insurance policy. The change could be an Entry Change, meaning there is money due for a change in coverage, or a Non Entry Change which will not have a balance due. This notification has been called an Amended Declaration, Endorsement, or Balance Due in its paper form.

There may be money due State Farm with this notification which should be paid electronically using the 820 Payment/Order Remittance Advice.
REI Reinstatement Used to notify the lender when premium is received after a cancellation notice was sent. This advises interested parties that coverage continues to be in effect.

This notification has been called Notice of Reinstatement in its paper form.

If money is due at the time an insurance policy is reinstated, the balance due will be provided in a separate policy change/endorsement document.
RWL Renewal Used to notify the lender when an expiring policy is being reissued for another term.

This notification has been called a Renewal Billing in its paper form.

Renewals can be sent electronically every day or suspended and accumulated for delivery every week. The later, called mortgagee combined billing, is available in ASC X12 versions 3030 and 4010.

There may be money due State Farm with this notification which should be paid electronically using the 820 Payment/Order Remittance Advices.
XLC Cancellation Used to notify the lender of:
  • Non Pay Cancel – where premium due has not been received by the expiration date and the policy will be cancelled if the premium is not paid.

    There may be money due State Farm with this notification which should be paid electronically using the 820 Payment/Order Remittance Advice.

  • Insured Cancel – the insured has cancelled the policy.
These notifications have been called Notice of Cancellation, Acknowledgement of Cancellation Request, and Cancellation for Non Payment of Premium in its paper form.