Here is the situation.... We have a loan that originated in 2010. A commercial building (which is in a flood zone) is part of the collateral for this loan. In 2010, the appraised value was $104,000. So we have just required $104,000 in coverage. On the new policy we received, it now states a replacement cost of the building of $150,000. Do we need to require more insurance now? There are several other pieces of collateral. Total loan amount $5 million. Any help would be greatly appreciated!