I did an appraisal that showed the subject property to be in a flood zone. The loan officer came back to me and said the lender did a flood certification and it showed it not to be in a flood zone and he wanted me to change my report. I told him that I would not change what my flood map program says, but I would include his information in the narrative. I said it was up to him to require flood insurance. Did I do the right thing?