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Some coverages are subject to a deductible and maximum indemnity liability and certain conditions and exclusions from coverage specified in your policy.
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- Someone else owns an interest in title.
- Defective execution or recording of title documents.
- Claimed rights affecting title because of forgery, fraud, duress, incompetence, incapacity or impersonation.
- Your title is defective.
- Undisclosed lien arising from:
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- A mortgage
- A judgment, tax or special assessment
- Charge by homeowners or condominium association.
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- Unmarketability of title.
- Lack of a right of access.
- May be issued to family partnerships and closely held corporations.
- Enhanced access coverage for both vehicles and pedestrians.
- Specific mechanic's lien coverage.
- Unrecorded easements.
- Rights under unrecorded leases, contracts or options.
- Restrictive covenant violations.
- Zoning law and building permit violations.
- Encroachment of structure onto an easement or over a building setback line.
- Post-policy damage to structure from exercise of easement rights.
- Post-policy damage to structure and other improvements from exercise of rights to use surface to extract minerals or water.
- Post policy, neighbor builds structure or other buildings on your property.
- Post-policy forgery.
- Post-policy assessment of supplemental real estate taxes for pre-policy period.
- Post-policy automatic increases in amount of policy (5 years -150%).
- Required removal of structure because it encroaches on neighbor's land.
- Existing structure with address shown on Schedule A is not built on the land.
- Post-policy enhanced continuation of coverage (death, divorce).
- Enhanced marketability.
- You cannot obtain a building permit because of a violation of existing subdivision law.
- Required removal or alteration of existing structure because any portion was built without obtaining a building permit from the proper government office.
- Required removal or alteration of existing structure because it violates an existing zoning law
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