What if we don't use the MPPP? I guess what happened is the borrower had their own insurance (NFIP), then let it expire, so we then force placed flood through our 3rd party vendor. The borrower eventually got their own insurance, but it was a private policy (for some reason he couldn't get an NFIP policy). The third party vendor said that they could cancel the FP policy, but they wouldn't cancel the policy flat (like they normally would if canceled within a certain time frame). So we ended up having to pay the premium and felt we couldn't charge the borrower because they really did have insurance and we didn't want to charge them for overlapping coverage. Basically, we were out of money. So mgmt. doesn't want anything to do with private policies now.