Well, that's part of the problem.
The processor says it wouldn't be fair to call them and tell them the letter was incorrect, that we need to give them 45 days.
I know it will hurt her pride, but I don't have a problem calling the customer and letting them know we made an error and we will have to force place. They can get a policy of their own within 30 days, then we can cancel our policy.
Otherwise, it will be just our luck lighting will strike the property, it will burn down to the ground and we're toast. Her pride would hurt worse if that happened.....well, maybe.