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/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 {