Soon after I applied for a refinance mortgage at PNC bank, the national office informed me that I am in a flood zone and must have flood insurance. I then provided proof from our local government department that our house is not in a flood zone. Soon after that "RRamirez" of PNC sent a PNC memo to Edith Wrona saying that because I provided such proof, it was OK to not require flood insurance. Edith Wrona then forwarded that memo to my local PNC mortgage agent who then forwarded it to me. But I continued to receive generic "You... read full review »