We recently changed companies that we pull our flood determinations through, so we pulled new floods on the current loans that were in a flood zone. One determination came back that the home was not in a flood zone. The Flood Insurance was forced place from the beginning of the loan because the borrowers did not want to purchase their own flood insurance. What would be the process of cancelling the flood insurance and issuing a refund? Their flood insurance is being escrowed as well.