feat(renovaciones): renewal notification emails over SES

INSURANCE_FEATURES_SPEC §1. The office printed and mailed renewal letters
from the legacy CONTROL <ramo> RENEW[2/3] paper log; 91% of policyholders
have an email on file, so send the notice instead and keep the paper log
as the fallback.

A daily cron (06:00 America/Tijuana) sweeps three generations off
policyTo — 30 and 15 days before expiry, 7 days after — sends each
through SES, and upserts RenewalNotice by [policyId, generation] so a
policy is never notified twice for the same milestone. RenewalNotice now
records providerMessageId, so a later bounce or complaint webhook can be
traced back to the row that sent it.

- customers.emailOptOut excludes a customer from every sweep; editable
  from the customer form
- scheduled_job_states holds the sweep's lock and last successful run;
  the window is widened to cover days the job did not run, so a weekend
  outage does not silently drop a generation
- SES unconfigured is not an error outside production — messages are
  logged and skipped, so dev and CI never send
- /renovaciones (renewal:send, MANAGER+) lists what is pending per
  generation, runs the sweep by hand, and marks a notice sent by mail
  for the customers with no email
- POST /policies/:id/renewal-notices records that manual mark
- the aviso-renovacion report and the emails now share one projection
  (reports/renewal-letter.ts) instead of two copies of the mapping

apps/api/package.json

@@ -12,20 +12,22 @@
   },
   "dependencies": {
     "@aws-sdk/client-s3": "^3.665.0",
+    "@aws-sdk/client-sesv2": "^3.1101.0",
     "@jorgecuadros/database": "workspace:*",
     "@nestjs/common": "^10.4.4",
     "@nestjs/config": "^3.3.0",
     "@nestjs/core": "^10.4.4",
     "@nestjs/passport": "^10.0.3",
     "@nestjs/platform-express": "^10.4.4",
+    "@nestjs/schedule": "^4.1.2",
     "argon2": "^0.41.1",
     "class-transformer": "^0.5.1",
     "class-validator": "^0.14.1",
     "exceljs": "^4.4.0",
     "express-session": "^1.18.0",
-    "pdfkit": "^0.15.1",
     "passport": "^0.7.0",
     "passport-local": "^1.0.0",
+    "pdfkit": "^0.15.1",
     "reflect-metadata": "^0.2.2",
     "rxjs": "^7.8.1"
   },
@@ -34,11 +36,11 @@
     "@nestjs/testing": "^10.4.4",
     "@types/express": "^4.17.21",
     "@types/express-session": "^1.18.0",
-    "@types/pdfkit": "^0.13.5",
     "@types/jest": "^29.5.13",
     "@types/node": "^20.16.11",
     "@types/passport": "^1.0.17",
     "@types/passport-local": "^1.0.38",
+    "@types/pdfkit": "^0.13.5",
     "jest": "^29.7.0",
     "ts-jest": "^29.2.5",
     "ts-node": "^10.9.2",

apps/api/src/app.module.ts

@@ -1,5 +1,6 @@
 import { Module } from "@nestjs/common";
 import { ConfigModule } from "@nestjs/config";
+import { ScheduleModule } from "@nestjs/schedule";
 import { PrismaModule } from "./prisma/prisma.module";
 import { StorageModule } from "./storage/storage.module";
 import { CommonModule } from "./common/common.module";
@@ -14,11 +15,13 @@ import { PolicyOcrModule } from "./policy-ocr/policy-ocr.module";
 import { BankModule } from "./bank/bank.module";
 import { OpsModule } from "./ops/ops.module";
 import { ReportsModule } from "./reports/reports.module";
+import { RenewalsModule } from "./renewals/renewals.module";
 import { AppController } from "./app.controller";
 
 @Module({
   imports: [
     ConfigModule.forRoot({ isGlobal: true }),
+    ScheduleModule.forRoot(),
     PrismaModule,
     StorageModule,
     CommonModule,
@@ -33,6 +36,7 @@ import { AppController } from "./app.controller";
     BankModule,
     OpsModule,
     ReportsModule,
+    RenewalsModule,
   ],
   controllers: [AppController],
 })

apps/api/src/auth/abilities.ts

@@ -26,6 +26,7 @@ export type Ability =
   | "policy:delete"
   | "policy:ingest"
   | "policy:ocr-review"
+  | "renewal:send"
   | "property:create"
   | "property:update"
   | "property:delete"
@@ -52,6 +53,7 @@ export const ABILITY_MIN: Record<Ability, Role> = {
   // upload + confirm, nothing reaches the books unconfirmed.
   "policy:ingest": "STAFF",
   "policy:ocr-review": "STAFF",
+  "renewal:send": "MANAGER",
   "property:create": "STAFF",
   "property:update": "STAFF",
   "property:delete": "MANAGER",

apps/api/src/customers/create-customer.dto.ts

@@ -29,6 +29,7 @@ export class CreateCustomerDto {
   @IsOptional() @IsString() mobile?: string;
   @IsOptional() @IsString() fax?: string;
   @IsOptional() @IsEmail() email?: string;
+  @IsOptional() @IsBoolean() emailOptOut?: boolean;
   @IsOptional() @IsString() notes?: string;
   @IsOptional() @IsString() identificationType?: string;
   @IsOptional() @IsString() identificationNumber?: string;

apps/api/src/customers/update-customer.dto.ts

@@ -22,6 +22,7 @@ export class UpdateCustomerDto {
   @IsOptional() @IsString() mobile?: string;
   @IsOptional() @IsString() fax?: string;
   @IsOptional() @IsEmail() email?: string;
+  @IsOptional() @IsBoolean() emailOptOut?: boolean;
   @IsOptional() @IsString() notes?: string;
   @IsOptional() @IsString() identificationType?: string;
   @IsOptional() @IsString() identificationNumber?: string;

apps/api/src/policies/policies.controller.ts

@@ -27,6 +27,7 @@ import {
   type PolicyStatus,
 } from "./policies.service";
 import { CreatePolicyDto, UpdatePolicyDto } from "./policy.dto";
+import { MarkRenewalNoticeDto } from "./renewal-notice.dto";
 import {
   BeneficiaryDto,
   ClaimDto,
@@ -145,6 +146,26 @@ export class PoliciesController {
     return p;
   }
 
+  @Post(":id/renewal-notices")
+  @RequireAbility("renewal:send")
+  async markRenewalNotice(
+    @Param("id") id: string,
+    @Body() dto: MarkRenewalNoticeDto,
+    @Req() req: Request,
+  ) {
+    const notice = await this.policies.markRenewalNotice(
+      id,
+      dto,
+      this.actingId(req),
+    );
+    void this.audit.log(this.actingId(req), "renewalNotice.markSent", {
+      policyId: id,
+      generation: dto.generation,
+      channel: dto.channel,
+    });
+    return notice;
+  }
+
   // --- children (all editing a policy => policy:update) ---------------------
 
   @Post(":id/installments")

apps/api/src/policies/policies.service.ts

@@ -6,6 +6,7 @@ import { StorageService } from "../storage/storage.service";
 import { extForUpload, type UploadedFileLike } from "../storage/upload-file";
 import { toDate } from "../common/coerce";
 import { CreatePolicyDto, UpdatePolicyDto } from "./policy.dto";
+import { MarkRenewalNoticeDto } from "./renewal-notice.dto";
 import {
   BeneficiaryDto,
   ClaimDto,
@@ -358,6 +359,34 @@ export class PoliciesService {
     return this.prisma.policy.update({ where: { id }, data: { archivedAt: null } });
   }
 
+  async markRenewalNotice(
+    policyId: string,
+    dto: MarkRenewalNoticeDto,
+    sentById: string,
+  ) {
+    await this.ensurePolicy(policyId);
+    const sentAt = toDate(dto.sentAt) ?? new Date();
+    return this.prisma.renewalNotice.upsert({
+      where: {
+        policyId_generation: { policyId, generation: dto.generation },
+      },
+      create: {
+        policyId,
+        generation: dto.generation,
+        channel: dto.channel,
+        sentAt,
+        sentById,
+        notes: dto.notes,
+      },
+      update: {
+        channel: dto.channel,
+        sentAt,
+        sentById,
+        notes: dto.notes,
+      },
+    });
+  }
+
   private async ensurePolicy(id: string) {
     const found = await this.prisma.policy.findUnique({
       where: { id },

apps/api/src/policies/renewal-notice.dto.ts

@@ -0,0 +1,28 @@
+import { RenewalNoticeChannel } from "@jorgecuadros/database";
+import {
+  IsDateString,
+  IsEnum,
+  IsInt,
+  IsOptional,
+  IsString,
+  Max,
+  Min,
+} from "class-validator";
+
+export class MarkRenewalNoticeDto {
+  @IsInt()
+  @Min(1)
+  @Max(3)
+  generation!: number;
+
+  @IsEnum(RenewalNoticeChannel)
+  channel!: RenewalNoticeChannel;
+
+  @IsOptional()
+  @IsDateString()
+  sentAt?: string;
+
+  @IsOptional()
+  @IsString()
+  notes?: string;
+}

apps/api/src/renewals/mail.service.spec.ts

@@ -0,0 +1,27 @@
+import { ServiceUnavailableException } from "@nestjs/common";
+import { ConfigService } from "@nestjs/config";
+import { MailService } from "./mail.service";
+
+function config(values: Record<string, string>): ConfigService {
+  return { get: (key: string) => values[key] } as ConfigService;
+}
+
+describe("MailService", () => {
+  it("uses a no-op provider when SES is absent in development", async () => {
+    const service = new MailService(config({ NODE_ENV: "development" }));
+
+    expect(service.available).toBe(true);
+    await expect(
+      service.send({ to: "test@example.com", subject: "Test", html: "<p>Test</p>" }),
+    ).resolves.toEqual({ providerId: expect.stringMatching(/^dev-/) });
+  });
+
+  it("keeps production bootable but refuses sends when SES is absent", async () => {
+    const service = new MailService(config({ NODE_ENV: "production" }));
+
+    expect(service.available).toBe(false);
+    await expect(
+      service.send({ to: "test@example.com", subject: "Test", html: "<p>Test</p>" }),
+    ).rejects.toBeInstanceOf(ServiceUnavailableException);
+  });
+});

apps/api/src/renewals/mail.service.ts

@@ -0,0 +1,102 @@
+import {
+  Injectable,
+  Logger,
+  ServiceUnavailableException,
+} from "@nestjs/common";
+import { ConfigService } from "@nestjs/config";
+import {
+  SendEmailCommand,
+  SESv2Client,
+} from "@aws-sdk/client-sesv2";
+import { randomUUID } from "node:crypto";
+
+export interface MailMessage {
+  to: string;
+  subject: string;
+  html: string;
+}
+
+export interface MailProvider {
+  send(message: MailMessage): Promise<{ providerId: string }>;
+}
+
+@Injectable()
+export class MailService implements MailProvider {
+  private readonly logger = new Logger(MailService.name);
+  private readonly client: SESv2Client | null;
+  private readonly from: string | null;
+  private readonly configurationSet: string | undefined;
+  private readonly developmentNoop: boolean;
+
+  constructor(config: ConfigService) {
+    const region = config.get<string>("SES_REGION");
+    const from = config.get<string>("SES_FROM");
+    const accessKeyId = config.get<string>("SES_ACCESS_KEY");
+    const secretAccessKey = config.get<string>("SES_SECRET_KEY");
+    this.configurationSet = config.get<string>("SES_CONFIGURATION_SET") || undefined;
+    this.developmentNoop =
+      config.get<string>("NODE_ENV") !== "production" &&
+      !region &&
+      !from &&
+      !accessKeyId &&
+      !secretAccessKey;
+
+    if (this.developmentNoop) {
+      this.logger.warn("SES no configurado; los correos se registrarán sin enviarse.");
+      this.client = null;
+      this.from = null;
+      return;
+    }
+
+    if (!region || !from || !accessKeyId || !secretAccessKey) {
+      this.logger.warn("SES no configurado; las notificaciones por correo están deshabilitadas.");
+      this.client = null;
+      this.from = null;
+      return;
+    }
+
+    this.client = new SESv2Client({
+      region,
+      credentials: { accessKeyId, secretAccessKey },
+    });
+    this.from = from;
+  }
+
+  get available(): boolean {
+    return this.developmentNoop || (this.client !== null && this.from !== null);
+  }
+
+  async send(message: MailMessage): Promise<{ providerId: string }> {
+    if (this.developmentNoop) {
+      const providerId = `dev-${randomUUID()}`;
+      this.logger.log(`Correo de renovación simulado (${providerId}).`);
+      return { providerId };
+    }
+
+    if (!this.client || !this.from) {
+      throw new ServiceUnavailableException(
+        "El servicio de correo no está configurado.",
+      );
+    }
+
+    const result = await this.client.send(
+      new SendEmailCommand({
+        FromEmailAddress: this.from,
+        Destination: { ToAddresses: [message.to] },
+        Content: {
+          Simple: {
+            Subject: { Data: message.subject, Charset: "UTF-8" },
+            Body: { Html: { Data: message.html, Charset: "UTF-8" } },
+          },
+        },
+        ConfigurationSetName: this.configurationSet,
+      }),
+    );
+
+    if (!result.MessageId) {
+      throw new Error("SES no devolvió identificador de mensaje.");
+    }
+
+    return { providerId: result.MessageId };
+  }
+}

apps/api/src/renewals/renewal-email.spec.ts

@@ -0,0 +1,64 @@
+import type { RenewalLetterRow } from "../reports/renewal-letter";
+import { renderRenewalEmail } from "./renewal-email";
+
+function letter(overrides: Partial<RenewalLetterRow> = {}): RenewalLetterRow {
+  return {
+    __kind: "letter",
+    policyId: "policy-1",
+    policyNumber: "POL-123",
+    policyType: "AUTO",
+    customerName: "Ana Pérez",
+    customerEmail: "ana@example.com",
+    customerPhone: "664-111-2222",
+    customerMobile: null,
+    customerAddress: ["Calle Uno 123", "Tijuana, BC, 22000"],
+    provider: "Aseguradora Uno",
+    policyTo: "2026-09-01",
+    netPremium: "1200.00",
+    policyFee: null,
+    total: "1392.00",
+    currency: "MXN",
+    coverageDays: null,
+    cslLimit: null,
+    medicalCoverage: null,
+    propertyDamage: null,
+    perPersonLiability: null,
+    additionalService: null,
+    vehicle: null,
+    generation: 1,
+    sentAt: null,
+    ...overrides,
+  };
+}
+
+describe("renderRenewalEmail", () => {
+  it("includes policy, premium, expiration, type, and customer information", () => {
+    const result = renderRenewalEmail(letter());
+
+    expect(result.subject).toContain("POL-123");
+    expect(result.html).toContain("primer aviso");
+    expect(result.html).toContain("AUTO");
+    expect(result.html).toContain("01/09/2026");
+    expect(result.html).toContain("1,392.00");
+    expect(result.html).toContain("Ana Pérez");
+    expect(result.html).toContain("ana@example.com");
+    expect(result.html).toContain("664-111-2222");
+    expect(result.html).toContain("Calle Uno 123");
+  });
+
+  it("uses overdue wording for generation three", () => {
+    const result = renderRenewalEmail(letter({ generation: 3 }));
+
+    expect(result.subject).toContain("Póliza vencida");
+    expect(result.html).toContain("está vencida");
+  });
+
+  it("escapes customer-provided HTML", () => {
+    const result = renderRenewalEmail(
+      letter({ customerName: '<img src=x onerror="alert(1)">' }),
+    );
+
+    expect(result.html).not.toContain("<img");
+    expect(result.html).toContain("&lt;img");
+  });
+});

apps/api/src/renewals/renewal-email.ts

@@ -0,0 +1,65 @@
+import type { RenewalLetterRow } from "../reports/renewal-letter";
+
+const GENERATION_TEXT: Record<number, string> = {
+  1: "Le enviamos el primer aviso para renovar su póliza.",
+  2: "Le enviamos el segundo aviso para renovar su póliza.",
+  3: "Le informamos que su póliza está vencida.",
+};
+
+function escapeHtml(value: unknown): string {
+  return String(value ?? "")
+    .replaceAll("&", "&amp;")
+    .replaceAll("<", "&lt;")
+    .replaceAll(">", "&gt;")
+    .replaceAll('"', "&quot;")
+    .replaceAll("'", "&#039;");
+}
+
+function displayDate(value: string): string {
+  if (value === "—") return value;
+  const [year, month, day] = value.split("-");
+  return `${day}/${month}/${year}`;
+}
+
+function money(value: string | null, currency: string): string {
+  if (!value) return "No disponible";
+  return new Intl.NumberFormat("es-MX", {
+    style: "currency",
+    currency,
+    minimumFractionDigits: 2,
+  }).format(Number(value));
+}
+
+function row(label: string, value: string): string {
+  return `<tr><th style="padding:8px 12px;text-align:left;background:#f4f4f4;border:1px solid #ddd">${escapeHtml(label)}</th><td style="padding:8px 12px;border:1px solid #ddd">${escapeHtml(value)}</td></tr>`;
+}
+
+export function renderRenewalEmail(letter: RenewalLetterRow): {
+  subject: string;
+  html: string;
+} {
+  const expired = letter.generation === 3;
+  const subject = expired
+    ? `Póliza vencida: ${letter.policyNumber}`
+    : `Aviso de renovación: póliza ${letter.policyNumber}`;
+  const phone = letter.customerMobile ?? letter.customerPhone ?? "No disponible";
+  const address = letter.customerAddress.join(", ") || "No disponible";
+  const premium = letter.total ?? letter.netPremium;
+
+  const details = [
+    row("Número de póliza", letter.policyNumber),
+    row("Tipo de póliza", letter.policyType),
+    row("Aseguradora", letter.provider),
+    row("Fecha de vencimiento", displayDate(letter.policyTo)),
+    row("Prima", money(premium, letter.currency)),
+    row("Cliente", letter.customerName),
+    row("Correo", letter.customerEmail ?? "No disponible"),
+    row("Teléfono", phone),
+    row("Dirección", address),
+  ].join("");
+
+  return {
+    subject,
+    html: `<div style="font-family:Arial,sans-serif;color:#222;line-height:1.5"><p>Estimado(a) ${escapeHtml(letter.customerName)}:</p><p>${escapeHtml(GENERATION_TEXT[letter.generation] ?? "Le enviamos un aviso sobre la renovación de su póliza.")}</p><table style="border-collapse:collapse;width:100%;max-width:680px">${details}</table><p>Por favor, comuníquese con Jorge Cuadros &amp; Asociados para revisar su renovación.</p><p>Atentamente,<br>Jorge Cuadros &amp; Asociados</p></div>`,
+  };
+}

apps/api/src/renewals/renewals.controller.ts

@@ -0,0 +1,32 @@
+import {
+  Controller,
+  Get,
+  Post,
+  Query,
+  Req,
+  UseGuards,
+} from "@nestjs/common";
+import { Request } from "express";
+import { AbilityGuard } from "../auth/ability.guard";
+import { AuthenticatedGuard } from "../auth/authenticated.guard";
+import { RequireAbility } from "../auth/require-ability.decorator";
+import { RenewalsService } from "./renewals.service";
+
+@UseGuards(AuthenticatedGuard, AbilityGuard)
+@Controller("renewals")
+export class RenewalsController {
+  constructor(private readonly renewals: RenewalsService) {}
+
+  @Get("pending")
+  pending(@Query("days") days?: string) {
+    return this.renewals.pending(
+      Math.min(365, Math.max(1, Number(days) || 30)),
+    );
+  }
+
+  @Post("sweep")
+  @RequireAbility("renewal:send")
+  sweep(@Req() req: Request) {
+    return this.renewals.sweep((req.user as { id: string }).id);
+  }
+}

apps/api/src/renewals/renewals.module.ts

@@ -0,0 +1,10 @@
+import { Module } from "@nestjs/common";
+import { RenewalsController } from "./renewals.controller";
+import { MailService } from "./mail.service";
+import { RenewalsService } from "./renewals.service";
+
+@Module({
+  controllers: [RenewalsController],
+  providers: [MailService, RenewalsService],
+})
+export class RenewalsModule {}

apps/api/src/renewals/renewals.service.spec.ts

@@ -0,0 +1,42 @@
+import {
+  addUtcDays,
+  dateInTimeZone,
+  renewalWindow,
+  RENEWAL_CADENCE,
+} from "./renewals.service";
+
+describe("renewal scheduling dates", () => {
+  it("uses the America/Tijuana calendar date", () => {
+    expect(dateInTimeZone(new Date("2026-08-01T05:00:00.000Z"))).toEqual(
+      new Date("2026-07-31T00:00:00.000Z"),
+    );
+  });
+
+  it("maps generations to 30 days, 15 days, and 7 days overdue", () => {
+    const today = new Date("2026-08-01T00:00:00.000Z");
+
+    expect(
+      RENEWAL_CADENCE.map(({ generation, offsetDays }) => ({
+        generation,
+        target: addUtcDays(today, offsetDays).toISOString().slice(0, 10),
+      })),
+    ).toEqual([
+      { generation: 1, target: "2026-08-31" },
+      { generation: 2, target: "2026-08-16" },
+      { generation: 3, target: "2026-07-25" },
+    ]);
+  });
+
+  it("uses an inclusive catch-up window after a missed run", () => {
+    const window = renewalWindow(
+      new Date("2026-08-10T00:00:00.000Z"),
+      30,
+      new Date("2026-08-07T18:00:00.000Z"),
+    );
+
+    expect(window).toEqual({
+      from: new Date("2026-09-07T00:00:00.000Z"),
+      to: new Date("2026-09-09T00:00:00.000Z"),
+    });
+  });
+});

apps/api/src/renewals/renewals.service.ts

@@ -0,0 +1,248 @@
+import {
+  ConflictException,
+  Injectable,
+  Logger,
+  ServiceUnavailableException,
+} from "@nestjs/common";
+import { Cron } from "@nestjs/schedule";
+import { AuditService } from "../common/audit.service";
+import { PrismaService } from "../prisma/prisma.service";
+import {
+  renewalLetterSelect,
+  toRenewalLetterRow,
+} from "../reports/renewal-letter";
+import { MailService } from "./mail.service";
+import { renderRenewalEmail } from "./renewal-email";
+
+export const RENEWAL_CADENCE = [
+  { generation: 1, offsetDays: 30 },
+  { generation: 2, offsetDays: 15 },
+  { generation: 3, offsetDays: -7 },
+] as const;
+
+const JOB_NAME = "renewal-email-sweep";
+const TIME_ZONE = "America/Tijuana";
+const DAY_MS = 86400000;
+
+export function dateInTimeZone(now: Date, timeZone = TIME_ZONE): Date {
+  const parts = new Intl.DateTimeFormat("en-US", {
+    timeZone,
+    year: "numeric",
+    month: "2-digit",
+    day: "2-digit",
+  }).formatToParts(now);
+  const value = (type: Intl.DateTimeFormatPartTypes) =>
+    Number(parts.find((part) => part.type === type)?.value);
+  return new Date(Date.UTC(value("year"), value("month") - 1, value("day")));
+}
+
+export function addUtcDays(date: Date, days: number): Date {
+  return new Date(date.getTime() + days * DAY_MS);
+}
+
+export function renewalWindow(
+  today: Date,
+  offsetDays: number,
+  lastSuccessfulAt?: Date | null,
+): { from: Date; to: Date } {
+  const to = addUtcDays(today, offsetDays);
+  if (!lastSuccessfulAt) return { from: to, to };
+  const previousDay = dateInTimeZone(lastSuccessfulAt);
+  if (previousDay >= today) return { from: to, to };
+  return { from: addUtcDays(previousDay, offsetDays + 1), to };
+}
+
+@Injectable()
+export class RenewalsService {
+  private readonly logger = new Logger(RenewalsService.name);
+
+  constructor(
+    private readonly prisma: PrismaService,
+    private readonly mail: MailService,
+    private readonly audit: AuditService,
+  ) {}
+
+  @Cron("0 6 * * *", { timeZone: TIME_ZONE })
+  async scheduledSweep(): Promise<void> {
+    try {
+      await this.sweep();
+    } catch (error) {
+      this.logger.error(
+        `Falló el barrido de renovaciones: ${(error as Error).message}`,
+      );
+    }
+  }
+
+  async pending(days = 30) {
+    const today = dateInTimeZone(new Date());
+    const state = await this.prisma.scheduledJobState.findUnique({
+      where: { name: JOB_NAME },
+      select: { lastSuccessfulAt: true },
+    });
+    const cadence = RENEWAL_CADENCE.filter(
+      (item) => item.offsetDays < 0 || item.offsetDays <= days,
+    );
+    const groups = await Promise.all(
+      cadence.map(async (item) => ({
+        generation: item.generation,
+        rows: await this.findCandidates(
+          item,
+          today,
+          state?.lastSuccessfulAt ?? null,
+        ),
+      })),
+    );
+
+    return groups.flatMap(({ generation, rows }) =>
+      rows
+        .filter((policy) => Boolean(policy.customer.email?.trim()))
+        .map((policy) => toRenewalLetterRow(policy, generation)),
+    );
+  }
+
+  async sweep(userId?: string) {
+    const now = new Date();
+    const state = await this.acquireLock(now);
+
+    try {
+      if (!this.mail.available) {
+        throw new ServiceUnavailableException(
+          "El servicio de correo no está configurado.",
+        );
+      }
+
+      const today = dateInTimeZone(now);
+      let eligible = 0;
+      let sent = 0;
+      let skipped = 0;
+      const failures: Array<{ policyId: string; generation: number; error: string }> = [];
+
+      for (const cadence of RENEWAL_CADENCE) {
+        const policies = await this.findCandidates(
+          cadence,
+          today,
+          state.lastSuccessfulAt,
+        );
+        eligible += policies.length;
+
+        for (const policy of policies) {
+          const to = policy.customer.email?.trim();
+          if (!to) {
+            skipped++;
+            continue;
+          }
+
+          try {
+            const letter = toRenewalLetterRow(policy, cadence.generation);
+            const message = renderRenewalEmail(letter);
+            const result = await this.mail.send({ to, ...message });
+            const sentAt = new Date();
+
+            await this.prisma.renewalNotice.upsert({
+              where: {
+                policyId_generation: {
+                  policyId: policy.id,
+                  generation: cadence.generation,
+                },
+              },
+              create: {
+                policyId: policy.id,
+                generation: cadence.generation,
+                channel: "EMAIL",
+                sentAt,
+                sentById: userId,
+                providerMessageId: result.providerId,
+              },
+              update: {
+                channel: "EMAIL",
+                sentAt,
+                sentById: userId,
+                providerMessageId: result.providerId,
+              },
+            });
+            sent++;
+            void this.audit.log(userId, "renewalNotice.send", {
+              policyId: policy.id,
+              generation: cadence.generation,
+              providerMessageId: result.providerId,
+            });
+          } catch (error) {
+            failures.push({
+              policyId: policy.id,
+              generation: cadence.generation,
+              error: (error as Error).message,
+            });
+          }
+        }
+      }
+
+      const result = { eligible, sent, skipped, failed: failures.length, failures };
+      await this.releaseLock(failures.length === 0 ? now : null);
+      void this.audit.log(userId, "renewalNotice.sweep", result);
+      return result;
+    } catch (error) {
+      await this.releaseLock(null);
+      throw error;
+    }
+  }
+
+  private findCandidates(
+    cadence: (typeof RENEWAL_CADENCE)[number],
+    today: Date,
+    lastSuccessfulAt: Date | null,
+  ) {
+    const window = renewalWindow(today, cadence.offsetDays, lastSuccessfulAt);
+    return this.prisma.policy.findMany({
+      where: {
+        archivedAt: null,
+        policyTo: { gte: window.from, lte: window.to },
+        customer: {
+          archivedAt: null,
+          emailOptOut: false,
+          email: { not: "" },
+        },
+        renewalNotices: {
+          none: { generation: cadence.generation, sentAt: { not: null } },
+        },
+      },
+      orderBy: [{ policyTo: "asc" }, { policyNumber: "asc" }],
+      select: renewalLetterSelect(cadence.generation),
+    });
+  }
+
+  private async acquireLock(now: Date) {
+    await this.prisma.scheduledJobState.upsert({
+      where: { name: JOB_NAME },
+      create: { name: JOB_NAME },
+      update: { updatedAt: now },
+    });
+
+    const acquired = await this.prisma.scheduledJobState.updateMany({
+      where: {
+        name: JOB_NAME,
+        OR: [{ lockedUntil: null }, { lockedUntil: { lte: now } }],
+      },
+      data: { lockedUntil: new Date(now.getTime() + 2 * 60 * 60 * 1000) },
+    });
+
+    if (acquired.count !== 1) {
+      throw new ConflictException(
+        "Ya hay un barrido de renovaciones en curso.",
+      );
+    }
+
+    return this.prisma.scheduledJobState.findUniqueOrThrow({
+      where: { name: JOB_NAME },
+    });
+  }
+
+  private async releaseLock(lastSuccessfulAt: Date | null): Promise<void> {
+    await this.prisma.scheduledJobState.update({
+      where: { name: JOB_NAME },
+      data: {
+        lockedUntil: null,
+        ...(lastSuccessfulAt && { lastSuccessfulAt }),
+      },
+    });
+  }
+}

apps/api/src/reports/renewal-letter.ts

@@ -0,0 +1,139 @@
+import { Prisma } from "@jorgecuadros/database";
+
+export function renewalLetterSelect(generation: number) {
+  return Prisma.validator<Prisma.PolicySelect>()({
+    id: true,
+    policyNumber: true,
+    policyTo: true,
+    netPremium: true,
+    policyFee: true,
+    total: true,
+    currency: true,
+    coveragesJson: true,
+    customer: {
+      select: {
+        name: true,
+        nameMissing: true,
+        email: true,
+        phone: true,
+        mobile: true,
+        addressLine1: true,
+        addressLine2: true,
+        city: true,
+        state: true,
+        zipCode: true,
+        country: true,
+      },
+    },
+    policyType: { select: { name: true } },
+    insuranceProvider: { select: { name: true } },
+    vehicles: {
+      take: 1,
+      select: {
+        make: true,
+        model: true,
+        modelYear: true,
+        bodyType: true,
+        engineNumber: true,
+        licensePlate: true,
+      },
+    },
+    renewalNotices: {
+      where: { generation },
+      select: { sentAt: true, channel: true },
+    },
+  });
+}
+
+export type RenewalLetterPolicy = Prisma.PolicyGetPayload<{
+  select: ReturnType<typeof renewalLetterSelect>;
+}>;
+
+export interface RenewalLetterRow extends Record<string, unknown> {
+  __kind: "letter";
+  policyId: string;
+  policyNumber: string;
+  policyType: string;
+  customerName: string;
+  customerEmail: string | null;
+  customerPhone: string | null;
+  customerMobile: string | null;
+  customerAddress: string[];
+  provider: string;
+  policyTo: string;
+  netPremium: string | null;
+  policyFee: string | null;
+  total: string | null;
+  currency: string;
+  coverageDays: unknown;
+  cslLimit: unknown;
+  medicalCoverage: unknown;
+  propertyDamage: unknown;
+  perPersonLiability: unknown;
+  additionalService: unknown;
+  vehicle: {
+    make: string | null;
+    model: string | null;
+    modelYear: string | null;
+    bodyType: string | null;
+    engineNumber: string | null;
+    licensePlate: string | null;
+  } | null;
+  generation: number;
+  sentAt: string | null;
+}
+
+export function toRenewalLetterRow(
+  policy: RenewalLetterPolicy,
+  generation: number,
+): RenewalLetterRow {
+  const notice = policy.renewalNotices[0];
+  const coverage = (policy.coveragesJson ?? {}) as Record<string, unknown>;
+  const address = [
+    policy.customer.addressLine1,
+    policy.customer.addressLine2,
+    [policy.customer.city, policy.customer.state, policy.customer.zipCode]
+      .filter(Boolean)
+      .join(", "),
+    policy.customer.country,
+  ].filter((part): part is string => Boolean(part));
+
+  return {
+    __kind: "letter",
+    policyId: policy.id,
+    policyNumber: policy.policyNumber,
+    policyType: policy.policyType?.name ?? "—",
+    customerName: policy.customer.nameMissing ? "(sin nombre)" : policy.customer.name,
+    customerEmail: policy.customer.email,
+    customerPhone: policy.customer.phone,
+    customerMobile: policy.customer.mobile,
+    customerAddress: address,
+    provider: policy.insuranceProvider?.name ?? "—",
+    policyTo: policy.policyTo ? policy.policyTo.toISOString().slice(0, 10) : "—",
+    netPremium: policy.netPremium ? policy.netPremium.toFixed(2) : null,
+    policyFee: policy.policyFee ? policy.policyFee.toFixed(2) : null,
+    total: policy.total ? policy.total.toFixed(2) : null,
+    currency: policy.currency,
+    coverageDays: coverage.cobertura ?? null,
+    cslLimit: coverage.csl_limite ?? null,
+    medicalCoverage: coverage.gastos_medico ?? null,
+    propertyDamage: coverage.propiedades ?? null,
+    perPersonLiability: coverage.personas ?? null,
+    additionalService:
+      coverage.servicio_adicional ?? coverage.servicio_adiconal ?? null,
+    vehicle: policy.vehicles[0]
+      ? {
+          make: policy.vehicles[0].make,
+          model: policy.vehicles[0].model,
+          modelYear: policy.vehicles[0].modelYear,
+          bodyType: policy.vehicles[0].bodyType,
+          engineNumber: policy.vehicles[0].engineNumber,
+          licensePlate: policy.vehicles[0].licensePlate,
+        }
+      : null,
+    generation,
+    sentAt: notice?.sentAt
+      ? notice.sentAt.toISOString().slice(0, 10)
+      : null,
+  };
+}

apps/api/src/reports/reports.registry.ts

@@ -21,6 +21,10 @@ import {
   parseDate,
   type ReportDef,
 } from "./reports.types";
+import {
+  renewalLetterSelect,
+  toRenewalLetterRow,
+} from "./renewal-letter";
 
 /* ------------------------------------------------------------------ helpers */
 
@@ -615,10 +619,7 @@ const vigente: ReportDef = {
  * covers every carrier and tier instead of a clone per combination.
  *
  * `sentStatus` is read from `RenewalNotice` (schema.prisma) — the
- * replacement for the legacy `CONTROL <ramo> RENEW[2/3] X MES` paper log
- * — but this report is read-only; marking a notice as sent is a separate
- * mutation (not yet built) that would upsert `RenewalNotice` by
- * `[policyId, generation]`.
+ * replacement for the legacy `CONTROL <ramo> RENEW[2/3] X MES` paper log.
  */
 const avisoRenovacion: ReportDef = {
   slug: "aviso-renovacion",
@@ -711,78 +712,16 @@ const avisoRenovacion: ReportDef = {
           : {}),
       },
       orderBy: { policyTo: "asc" },
-      select: {
-        id: true,
-        policyNumber: true,
-        policyTo: true,
-        netPremium: true,
-        policyFee: true,
-        total: true,
-        currency: true,
-        coveragesJson: true,
-        customer: { select: { name: true, nameMissing: true } },
-        insuranceProvider: { select: { name: true } },
-        vehicles: {
-          take: 1,
-          select: {
-            make: true,
-            model: true,
-            modelYear: true,
-            bodyType: true,
-            engineNumber: true,
-            licensePlate: true,
-          },
-        },
-        renewalNotices: {
-          where: { generation },
-          select: { sentAt: true, channel: true },
-        },
-      },
+      select: renewalLetterSelect(generation),
     });
 
     let totalPremium = new Prisma.Decimal(0);
     let sentCount = 0;
     const out = rows.map((r) => {
       if (r.netPremium) totalPremium = totalPremium.plus(r.netPremium);
-      const notice = r.renewalNotices[0];
-      if (notice?.sentAt) sentCount++;
-      // Legacy coverage columns not modeled as first-class Policy fields —
-      // see docs/RENEWAL_NOTICES.md's column-mapping table. Keys are best-
-      // effort (derived from the source schema, not yet verified against a
-      // live migrated DB) — confirm before relying on them in production.
-      const cov = (r.coveragesJson ?? {}) as Record<string, unknown>;
-      return {
-        __kind: "letter",
-        policyId: r.id,
-        policyNumber: r.policyNumber,
-        customerName: nameOf(r.customer),
-        provider: r.insuranceProvider?.name ?? "—",
-        policyTo: r.policyTo ? r.policyTo.toISOString().slice(0, 10) : "—",
-        netPremium: r.netPremium ? r.netPremium.toFixed(2) : null,
-        policyFee: r.policyFee ? r.policyFee.toFixed(2) : null,
-        total: r.total ? r.total.toFixed(2) : null,
-        currency: r.currency,
-        coverageDays: cov.cobertura ?? null,
-        cslLimit: cov.csl_limite ?? null,
-        medicalCoverage: cov.gastos_medico ?? null,
-        propertyDamage: cov.propiedades ?? null,
-        perPersonLiability: cov.personas ?? null,
-        additionalService: cov.servicio_adicional ?? cov.servicio_adiconal ?? null,
-        vehicle: r.vehicles[0]
-          ? {
-              make: r.vehicles[0].make,
-              model: r.vehicles[0].model,
-              modelYear: r.vehicles[0].modelYear,
-              bodyType: r.vehicles[0].bodyType,
-              engineNumber: r.vehicles[0].engineNumber,
-              licensePlate: r.vehicles[0].licensePlate,
-            }
-          : null,
-        generation,
-        sentAt: notice?.sentAt
-          ? notice.sentAt.toISOString().slice(0, 10)
-          : null,
-      };
+      const letter = toRenewalLetterRow(r, generation);
+      if (letter.sentAt) sentCount++;
+      return letter;
     });
 
     return {

apps/web/src/app/renovaciones/page.tsx

@@ -0,0 +1,266 @@
+"use client";
+
+import { useCallback, useEffect, useState } from "react";
+import { AppShell } from "@/components/AppShell";
+import { useCan } from "@/lib/abilities";
+import { formatDate, formatMoney } from "@/lib/labels";
+import { apiFetch } from "@/lib/api";
+
+export interface RenewalLetter {
+  policyId: string;
+  policyNumber: string;
+  policyType: string;
+  customerName: string;
+  customerEmail: string | null;
+  provider: string;
+  policyTo: string;
+  netPremium: string | null;
+  total: string | null;
+  currency: string;
+  generation: number;
+  sentAt: string | null;
+}
+
+export interface RenewalSweepResult {
+  eligible: number;
+  sent: number;
+  skipped: number;
+  failed: number;
+  failures: { policyId: string; generation: number; error: string }[];
+}
+
+export interface RenewalMarkInput {
+  generation: number;
+  channel: "MAIL" | "EMAIL";
+  sentAt?: string;
+  notes?: string;
+}
+
+export default function RenovacionesPage() {
+  return (
+    <AppShell>
+      <Renovaciones />
+    </AppShell>
+  );
+}
+
+const GENERATION_LABEL: Record<number, string> = {
+  1: "Primer aviso (30 días antes)",
+  2: "Segundo aviso (15 días antes)",
+  3: "Tercer aviso (7 días después)",
+};
+
+const CHANNEL_LABEL: Record<"MAIL" | "EMAIL", string> = {
+  MAIL: "Impreso",
+  EMAIL: "Correo electrónico",
+};
+
+function Renovaciones() {
+  const allowed = useCan("renewal:send");
+  const [days, setDays] = useState(30);
+  const [pending, setPending] = useState<RenewalLetter[] | null>(null);
+  const [pendingError, setPendingError] = useState<string | null>(null);
+  const [actionError, setActionError] = useState<string | null>(null);
+  const [notice, setNotice] = useState<string | null>(null);
+  const [sweeping, setSweeping] = useState(false);
+
+  const refresh = useCallback(async () => {
+    setPendingError(null);
+    try {
+      const data = await apiFetch<RenewalLetter[]>(
+        `/renewals/pending?days=${days}`,
+      );
+      setPending(data);
+    } catch (e) {
+      setPendingError(
+        (e as Error)?.message ?? "No se pudo cargar la lista de avisos.",
+      );
+      setPending([]);
+    }
+  }, [days]);
+
+  useEffect(() => {
+    if (allowed) refresh();
+  }, [allowed, refresh]);
+
+  async function handleSweep() {
+    setActionError(null);
+    setNotice(null);
+    setSweeping(true);
+    try {
+      const result = await apiFetch<RenewalSweepResult>("/renewals/sweep", {
+        method: "POST",
+      });
+      setNotice(
+        `Enviados ${result.sent} avisos (${result.failed} con error).`,
+      );
+      await refresh();
+    } catch (e) {
+      setActionError((e as Error)?.message ?? "No se pudo ejecutar el barrido.");
+    } finally {
+      setSweeping(false);
+    }
+  }
+
+  async function handleMark(letter: RenewalLetter, channel: "MAIL" | "EMAIL") {
+    setActionError(null);
+    setNotice(null);
+    try {
+      await apiFetch(`/policies/${letter.policyId}/renewal-notices`, {
+        method: "POST",
+        body: JSON.stringify({
+          generation: letter.generation,
+          channel,
+        } satisfies RenewalMarkInput),
+      });
+      setNotice(`Aviso marcado como enviado (${CHANNEL_LABEL[channel]}).`);
+      await refresh();
+    } catch (e) {
+      setActionError(
+        (e as Error)?.message ?? "No se pudo registrar el aviso.",
+      );
+    }
+  }
+
+  if (!allowed) {
+    return (
+      <div className="page-head">
+        <h1 className="page-title">Renovaciones</h1>
+        <div className="state-box state-error">
+          No tiene permisos para enviar avisos de renovación.
+        </div>
+      </div>
+    );
+  }
+
+  const counts = (pending ?? []).reduce<Record<number, number>>(
+    (acc, item) => ({
+      ...acc,
+      [item.generation]: (acc[item.generation] ?? 0) + 1,
+    }),
+    {},
+  );
+  const grouped = [1, 2, 3].filter((gen) => (counts[gen] ?? 0) > 0);
+
+  return (
+    <>
+      <div className="page-head">
+        <p className="eyebrow">Renovaciones</p>
+        <h1 className="page-title">Avisos de renovación</h1>
+        <p className="muted" style={{ marginTop: 6, maxWidth: 720 }}>
+          El sistema ejecuta un barrido diario a las 06:00 hora local que
+          notifica a los clientes a 30, 15 y 7 días antes o después del
+          vencimiento de su póliza. Esta pantalla muestra qué avisos están
+          pendientes y permite ejecutarlo manualmente.
+        </p>
+      </div>
+
+      {actionError && <div className="state-box state-error">{actionError}</div>}
+      {notice && <div className="state-box">{notice}</div>}
+
+      <div className="card" style={{ padding: 20, marginBottom: 20 }}>
+        <div className="row-actions" style={{ justifyContent: "space-between" }}>
+          <div>
+            <h2 className="section-title">Barrido manual</h2>
+            <p className="muted small" style={{ marginTop: 4 }}>
+              Usa la fecha actual del servidor como referencia para seleccionar
+              avisos vencidos a 30 y 15 días, y vencidos hace 7 días.
+            </p>
+          </div>
+          <button
+            type="button"
+            className="btn btn-primary"
+            disabled={sweeping}
+            onClick={handleSweep}
+          >
+            {sweeping ? "Enviando…" : "Ejecutar barrido"}
+          </button>
+        </div>
+        <div className="field" style={{ maxWidth: 180, marginTop: 12 }}>
+          <span className="field-label">Ventana (días)</span>
+          <input
+            className="input"
+            type="number"
+            min={1}
+            max={365}
+            value={days}
+            onChange={(e) =>
+              setDays(Math.min(365, Math.max(1, Number(e.target.value) || 30)))
+            }
+          />
+        </div>
+      </div>
+
+      {pendingError && (
+        <div className="state-box state-error">{pendingError}</div>
+      )}
+
+      {!pendingError && grouped.length === 0 && (
+        <div className="empty-inline">
+          No hay avisos pendientes en esta ventana.
+        </div>
+      )}
+
+      {grouped.map((generation) => (
+        <section className="card" key={generation} style={{ padding: 20 }}>
+          <h2 className="section-title">{GENERATION_LABEL[generation]}</h2>
+          <div className="tx-scroll">
+            <table className="tx-table">
+              <thead>
+                <tr>
+                  <th>Cliente</th>
+                  <th>Póliza</th>
+                  <th>Tipo</th>
+                  <th>Aseguradora</th>
+                  <th>Vence</th>
+                  <th className="num">Prima</th>
+                  <th>Acciones</th>
+                </tr>
+              </thead>
+              <tbody>
+                {(pending ?? [])
+                  .filter((item) => item.generation === generation)
+                  .map((item) => (
+                    <tr key={`${item.policyId}-${item.generation}`}>
+                      <td>
+                        <div>{item.customerName}</div>
+                        <div className="muted small">
+                          {item.customerEmail ?? "Sin correo"}
+                        </div>
+                      </td>
+                      <td className="mono">{item.policyNumber}</td>
+                      <td>{item.policyType}</td>
+                      <td>{item.provider}</td>
+                      <td>{formatDate(item.policyTo)}</td>
+                      <td className="num">
+                        {formatMoney(item.total ?? item.netPremium, item.currency)}
+                      </td>
+                      <td>
+                        <div className="row-actions">
+                          <button
+                            type="button"
+                            className="btn btn-outline btn-sm"
+                            onClick={() => handleMark(item, "EMAIL")}
+                            disabled={!item.customerEmail}
+                          >
+                            Marcar EMAIL
+                          </button>
+                          <button
+                            type="button"
+                            className="btn btn-outline btn-sm"
+                            onClick={() => handleMark(item, "MAIL")}
+                          >
+                            Marcar impreso
+                          </button>
+                        </div>
+                      </td>
+                    </tr>
+                  ))}
+              </tbody>
+            </table>
+          </div>
+        </section>
+      ))}
+    </>
+  );
+}

apps/web/src/components/AppShell.tsx

@@ -79,6 +79,7 @@ const NAV: NavEntry[] = [
         ability: "bank:manage-accounts",
       },
       { href: "/usuarios", label: "Usuarios", ability: "user:manage" },
+      { href: "/renovaciones", label: "Renovaciones", ability: "renewal:send" },
       { href: "/operaciones", label: "Operaciones", ability: "db:manage" },
     ],
   },

apps/web/src/components/CustomerForm.tsx

@@ -30,6 +30,7 @@ type Values = {
   mobile: string;
   fax: string;
   email: string;
+  emailOptOut: boolean;
   identificationType: string;
   identificationNumber: string;
   identificationExpiration: string;
@@ -54,6 +55,7 @@ function initial(c?: CustomerDetail): Values {
     mobile: c?.mobile ?? "",
     fax: c?.fax ?? "",
     email: c?.email ?? "",
+    emailOptOut: c?.emailOptOut ?? false,
     identificationType: c?.identificationType ?? "",
     identificationNumber: c?.identificationNumber ?? "",
     identificationExpiration: toDateInput(c?.identificationExpiration),
@@ -103,6 +105,7 @@ export function CustomerForm({ customer }: { customer?: CustomerDetail }) {
       mobile: s(v.mobile),
       fax: s(v.fax),
       email: s(v.email),
+      emailOptOut: v.emailOptOut,
       identificationType: s(v.identificationType),
       identificationNumber: s(v.identificationNumber),
       identificationExpiration: s(v.identificationExpiration),
@@ -139,6 +142,13 @@ export function CustomerForm({ customer }: { customer?: CustomerDetail }) {
             <input className="input" type="email" value={v.email}
               onChange={(e) => set("email", e.target.value)} />
           </Field>
+          <Field label="Notificaciones de renovación">
+            <label>
+              <input type="checkbox" checked={v.emailOptOut}
+                onChange={(e) => set("emailOptOut", e.target.checked)} />
+              {" "}No enviar correos
+            </label>
+          </Field>
           <Field label="Teléfono">
             <input className="input" value={v.phone}
               onChange={(e) => set("phone", e.target.value)} />

apps/web/src/lib/api.ts

@@ -108,7 +108,7 @@ export class ApiError extends Error {
   }
 }
 
-async function apiFetch<T>(
+export async function apiFetch<T>(
   path: string,
   init?: RequestInit,
 ): Promise<T> {

apps/web/src/lib/types.ts

@@ -14,6 +14,7 @@ export type Ability =
   | "policy:delete"
   | "policy:ingest"
   | "policy:ocr-review"
+  | "renewal:send"
   | "property:create"
   | "property:update"
   | "property:delete"
@@ -963,6 +964,7 @@ export interface CustomerDetail {
   mobile: string | null;
   fax: string | null;
   email: string | null;
+  emailOptOut: boolean;
   notes: string | null;
   identificationType: string | null;
   identificationNumber: string | null;
@@ -993,6 +995,7 @@ export interface CustomerInput {
   mobile?: string;
   fax?: string;
   email?: string;
+  emailOptOut?: boolean;
   notes?: string;
   identificationType?: string;
   identificationNumber?: string;