Same page 5, section:
d. Insurance Required at Loan Closing
A designated loan must have flood insurance as a condition of closing. If a borrower will not voluntarily obtain coverage, the lender must deny the loan. A lender cannot accepta borrower's assurance that he or she will obtain coverage in the future or grant the lender immunity while he or she seeks coverage. Closing a designated loan without coverage in place constitutes a violation of the regulation.
So if the lender is not going to determine this prior to closing, how do you propose that this item be fulfilled? Without pulling a determination, how do you know if you can pull it before or after closing?
Face it, you got yourself a violation.
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