When a borrower is not providing collateral insurance and we are required to force place, the premium is added to the principal balance. This is clearly outlined in our Agreement to Provide Insurance. However, we have found mistakes during this process and the force-placed premium had to be reversed. I have concerns regarding consumer harm and UDAAP, since the borrower paid interest on the increased principal amount. Is it a standard practice to add force-placed premiums to the principal balance?