How are the rest of you handling private flood insurance policies that may have between a 7 to 15 day grace period instead of the 30 day grace period for an NFIP policy? Are you adjusting tracking for when to send the 45 day force placement letter?

The 45 day letter is sent when the policy expires - not when a grace period expires.

I am aware. However, the difference does pose new risks due to the increased length of gap in coverage potential. A 15 day gap compared to 38 day gap is fairly significant. I'm just curious if anyone is adjusting their practices (such as bank buying coverage) knowing that longer gap may exist.

We force place from day 1 of the policy expiring and make the necessary adjustments for any overlapping coverage once a policy is presented.