which is the best procedure to handle a renewing FP flood policy?
1) 45 days prior to the FP flood policy expiring to send a renewal letter to the borrower telling them if they do not get their own flood insurance, we will renew their FP flood policy
or
2) on the day or day after the FP flood policy has expired, start the 45 day letter cycle on the borrower since they do not have their own flood insurance?