Tuesday, October 02, 2007

query: insurable access

Good point and one most people don't really consider. Read the title insurance policy - including the jacket - very carefully. Insured access may or may not be insured vehicular access.

Unless vehicular access is specified, the insured access may be minimal aka by foot.

Title examiners look for access to and from a public roadway. If the insured land abuts a public roadway, that's access. How do we know if the public roadway is down a fifty foot cliff from the house and your real driveway goes over the land of a neighbor? We don't and that's another very good reason to purchase a survey.

A surveyor will draw that driveway and identify ownership of the land beneath. Once your title insurer reviews the survey, the title policy will accurately deal with rights of way for access, as needed.

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