When to Charge the Customer for MVR

I'm in Florida and much of our auto business is non-standard. Some of our carriers require us to run and pay for the MVRs ourselves. Others run their own MVRs when binding.

Obviously the ones we run and pay for, we charge the customer for those.

My question is this...when is it ok to charge the customers for the MVRs run by the carrier. Sometimes the customer cancels quickly (within 30 days) and we end up getting a charge back. Sometimes when the MVR is run, something they "forgot" about pops up and we have to go to a different carrier. Sometimes there are unforeseen reasons that we rec
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