we have a condo owner that presented us with a private policy that states if the property is eligible for an NFIP Policy and there is no such policy then they will only pay the amount of the loss in excess of a NFIP policy limit.
So we have a condo and there is no RCBAP - if a RCBAP is considered a NFIP policy then we are in trouble.
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My views, not my employer's views.