We are experiencing more and more frequent situations where the borrower renews his/her flood insurance policy for an amount that is inadequate under the NFIP rules. We fully comply with the notification requirements, but are faced with a dilemma when the customer refuses to increase the coverage. FEMA will not write a second policy on the property, so we are not able to forceplace for the additional amount. We can't cancel the customer's policy and forceplace for the full amount. If push comes to shove, we may have to proceed to forclosure action. However, the problem remains...the property is under-insured. Any suggestions?