InsVista notifies mortgagees, lien holders, and loss payees of any relevant policy changes. BriteCore sends InsVista a daily HO file for policy changes on any line of business and a BG file for billing.
If there are no transactions for a given day, no file will appear. When qualifying transactions do occur, these files will report yesterday’s business.
BriteCore setup
Get started
To get started:
- Contact InsVista.
- Request a copy of what InsVista sends to mortgagees.
- Complete the required InsVista paperwork.
- Obtain the following items from InsVista:
- Client code
- Client number
- FTP credentials
- Familiarize yourself with BriteCore System Tags.
Contacts module
To verify the client has been set up with the Primary Carrier role:
- In the BriteCore menu, select Contacts.
- On the Contacts List screen, in the Filter By dropdown list, select Primary Carrier.
- In the results list, verify the client has been set up with the Primary Carrier role.
Vendors
To setup Invista in BriteCore:
- In the BriteCore menu, select Settings.
- In the Settings menu, select Vendors.
- Under Mortgagee Notification, select InsVista.
- Next to InsVista, select the edit icon
.
- In the InsVista dialog box, type the Client Code and Client Number.
- Ensure your company appears in the Remits Payments To section, which pulls from the Contacts module in the above step.
Note: The Remits Payments To information is passed to mortgagees via the InsVista notification so mortgagees know who and where to send payments.
Billing Schedules
To set up Billing Schedules:
- In the BriteCore menu, select Settings.
- In the Settings menu, select Modules, and then select Policies.
- On the Policies screen, under Policy Lifecycle, select Edit.
Note: In the Confirm dialog box, select Yes.
- In the Billing section, under Billing Schedules, select the New Billing Schedule icon
.
- In the Edit Billing Schedule dialog box, set up a billing schedule named Escrow Billing.
- Select Save and Exit.
System Tags
System Tags are necessary to report the primary coverage or deductible.
Coverage tags
The tag value for each policy type represents a description of what the policy covers.
Valid coverages and tag values:
- Contractors = CNT
- Fire = DFIRE
- Earthquake = EQKP
- Flood = FLOOD
- Home = HOME
- Apartment = PPART
- Condominium = PPCHO
- Church = PPCHR
- Mobile Home =PPMBH
- Rental Dwelling to Others = RDP
- Rental Condo Unit Owner = RCUP
- Farm Ranch Owners = FARM
- Boat Owners = BOAT
- Other Commercial = COTHER
- Business Owners – BOP
- Personal Articles = PAP
- Personal Liability Umbrella = PLU
You will need to set up three tags:
- InsVista Coverage Description
- Primary Coverage (Coverage A)
- Deductible
To set up the InsVista Coverage Description system tag:
- In the BriteCore menu, select Settings.
- In the Settings menu, select System Wide, and then select System Tags.
- In the Tags section, in the Select a Tag dropdown list, select InsVista Coverage Description. You can also begin typing in the box to locate system tags.
- In the Select an Effective Date dropdown list, select the applicable effective date. You can also begin typing in the box to locate effective dates.
- Select Tag New Items.
- In the Named box, type a policy type name, and then select the magnifying glass icon or press Enter/Return.
Note: You can leave the Named box blank to see all the available policy types or search for a valid coverage:
- Contractors = CNT
- Fire = DFIRE
- Earthquake = EQKP
- Flood = FLOOD
- Home = HOME
- Apartment = PPART
- Condominium = PPCHO
- Church = PPCHR
- Mobile Home =PPMBH
- Rental Dwelling to Others = RDP
- Rental Condo Unit Owner = RCUP
- Farm Ranch Owners = FARM
- Boat Owners = BOAT
- Other Commercial = COTHER
- Business Owners – BOP
- Personal Articles = PAP
- Personal Liability Umbrella = PLU
- When you’re finished, select Done.
To set up the Primary Coverage (Coverage A) system tag:
- In the Tags section, in the Select a Tag dropdown list, select Primary Coverage (Coverage A). You can also begin typing in the box to locate system tags.
- In the Select an Effective Date dropdown list, select the applicable effective date. You can also begin typing in the box to locate effective dates.
- Select Tag New Items.
- Use the Named box to search for line items that are the primary coverage in question such as Coverage A, and then select the magnifying glass icon or press Enter/Return.
Note: If nothing is tagged, BriteCore will search for coverages entitled Coverage A. If BriteCore doesn’t locate any coverages, it will report the aggregate of all coverage limits on the policy.
Figure 1: Example result.
To set up the Deductible system tag:
Important: Do this only if your deductible is built as a category within the Lines module.
- In the Tags section, in the Select a Tag dropdown list, select Deductible. You can also begin typing in the box to locate system tags.
- In the Select an Effective Date dropdown list, select the applicable effective date. You can also begin typing in the box to locate effective dates.
- Select Tag New Items.
- Use the Named box to search for the line item(s) that contain the deductible, and then select the magnifying glass icon or press Enter/Return.
- Tag the line item(s) that contain the deductible with the word primary if the deductible value that needs to be sent to InsVista isn’t on Primary Coverage (Coverage A).
Note: Primary value is the only value that will work.
- Search for the Line Item Categories that contain the deductible.
Note: The category is most likely named Deductible.
- Tag the deductibles with the value, but don’t include punctuation.
Example: If the deductible is $500, then tag the category with 500; if the deductible is $1000, then tag the category with 1000.
-
- Category system tagging is necessary so it’s more clear to the system which category to search for and what numeric value to report to InsVista.
- The Lines setups could be forced to follow stricter naming conventions for categories, which removes flexibility in formatting and potentially has less stability in the InsVista report.
Figure 2: Example result.
Lines
Setup is required in the Lines module when using Loss Payees. When a loss payee is attached to a coverage on a policy, BriteCore will report the limit, deductible (if applicable), and legal description to the mortgagee via InsVista. The user adds the legal description into the Description Supplemental Question.
Example: John Deere Header Trailer.
To add a legal description:
- In the BriteCore menu, select Lines.
- On the Effective Dates screen, select the applicable effective date.
- On the Policy Types screen, next to the appropriate policy type, select the edit icon
.
- Locate the coverage(s) with Loss Payees, and then select the edit icon
.
- In the Edit Line Item dialog box, select the Setup section.
- In the Type section, select Allow mortgagee/loss payee to be attached to this line item.
- Select the Supplemental Questions section, and then select Add Question.
Note: You can also select Add a Schedule to add the legal description.
- In the Question Label box, type Description.
- In the Question Input(s) Type dropdown list, select Single Line.
Note: This step doesn’t apply for schedules.
- Repeat these steps for each applicable coverage.
Test file
BriteCore will send test files to InsVista.
FTP credentials (BriteCore staff only)
FTP credentials are unique per BriteCore client.
To update a clients’ FTP credentials:
- In GitHub, in the vendor documentation, locate the InsVista FTP Creds document.
- In the client’s britecore.cfg file, use the InsVista FTP Creds document to update a clients’ FTP credentials.
Pre-live
One week prior to going live, notify InsVista.
Non-Renewal changelog
Clients may set a policy to non-renew prior to their configured notification timeline.
Example: Clients may need to contact insureds 60 days prior to policy experience but set a policy to non-renew 90 days ahead of expiration. When the change has been made, BriteCore will, by default, generate a non-renewal notice and send a notification to mortgages via InsVista.
Administrators can enable the validate-non-renew-date-log-with-life-cycle advanced setting to allow clients to send the non-renewal notice to InsVista based on the non-renewal configured timeline rather than when the change is made (notification date rather than transaction date).
To enable the validate-non-renew-date-log-with-life-cycle advanced setting:
- In the BriteCore menu, select Settings.
- In the Settings menu, select Advanced.
- In the Search for a Setting box, type validate-non-renew-date-log-with-life-cycle, and then select Search.
- In the validate-non-renew-date-log-with-life-cycle box, select True.
BriteCore processing
Note: To see how to review, update, and send files with InsVista, see Send files with InsVista.
Determine the Print State for mortgagee billing statements
The render-auto-assign-as-printed advanced setting disables code where it causes a default behavior error for clients. The feature works with InsVista enabled to generate a document for the mortgagee where BriteCore doesn’t automatically generate a copy of the document for the mortgagee. The vendor is coupled with the feature to ensure the printing for the mortgagee occurs.
To test the render-auto-assign-as-printed advanced setting, you need to:
- Set up, rate, and commit a policy with a mortgagee.
- Enable the render-auto-assign-as-printed advanced setting.
- Check the Print State of billing statements.
Set up, rate, and commit a policy with a mortgagee
To set up, rate, and commit a policy with a mortgagee:
- In the BriteCore menu, select Policies.
- On the Policy Search screen, select Create a New Policy.
- Create a new policy, and complete the following steps:
- Select the Add a Mortgagee icon
, and then add the mortgagee information.
- In the Recipient dropdown list, select the mortgagee.
- Rate the policy.
- Commit the policy.
- Select the Add a Mortgagee icon
- In Attachments, navigate to the folders containing billing statements, and then ensure the Print State is To Be Determined.
Note: By default, all documents should still have Print State set as To Be Determined.
Enable the render-auto-assign-as-printed advanced setting
To enable the render-auto-assign-as-printed advanced setting:
- In the BriteCore menu, select Settings.
- In the Settings menu, select Advanced.
- In the Search for a Setting box, type render-auto-assign-as-printed, and then select Search.
- In the render-auto-assign-as-printed box, select True.
Check the Print State of billing statements
To check the Print State of billing statements:
- Create or open another policy with a mortgagee.
- Rate and commit the policy.
- In Attachments, navigate to the folders containing billing statements, and then ensure the Print State is Printed.