ENC

Encroachments

If the standard survey exception is deleted, you should except to all significant encroachments. Encroachments of improvements over boundary lines may not be insured against without underwriter approval.

References
For more information, see
in this Manual.
See Underwriting Manual,

23.00   Zero Lot Line

Exception

ENCX01 ALTA

Facts Disclosed by Survey

Any rights, easements, interests or claims that may exist by reason of or be reflected by the following facts shown on the survey dated ____________________ by ________________.
____________________ [Describe Encroachment]
Comment: If the survey or inspection shows conflicts, encroachments or evidence of easements, you should except to those matters. In appropriate cases in accordance with local custom, you may provide affirmative insurance or endorsement coverage as to such matters.

ENCX02 ALTA

Facts Disclosed by Inspection

Any rights, easements, interests or claims that may exist by reason of or be reflected by the following facts: _________________________________ [Describe Encroachment]
Comment: If the survey or inspection shows conflicts, encroachments or evidence of easements, you should except to those matters. In appropriate cases in accordance with local custom, you may provide affirmative insurance or endorsement coverage as to such matters.

ENCX03 ALTA

Facts Disclosed by Survey - Encroachment onto Adj

Any rights, easements, interest or claims that may exist by reason of or be reflected by the following facts shown on the survey dated __________________ by ________________.
Encroachment onto property adjoining on the _______________ by the ________________ located on the Land.
Comment: If a survey reflects encroachments of buildings or other improvements over boundary lines, easements, or building lines, use this exception.

ENCX04 ALTA

Facts Disclosed by Inspection - Encroachment onto Adjoining Property

Any rights, easements, interests or claims that may exist by reason of or be reflected by the following facts:
Encroachment onto property adjoining on the _____________ by the _____________ located on the Land.
Comment: If the survey or inspection shows conflicts, encroachments or evidence of easements, you should except to those matters. In appropriate cases in accordance with local custom, you may provide affirmative insurance or endorsement coverage as to such matters.

ENCX05 ALTA

Facts Disclosed by Survey - Encroachment onto Land

Any rights, easements, interests or claims that may exist by reason of or be reflected by the following facts shown on the survey dated ______________ by _____________.
Encroachment onto the Land by ________________.
Comment: If a survey reflects encroachments of buildings or other improvements over boundary lines, easements, or building lines, use this exception.

ENCX06 ALTA

Facts Disclosed by Inspection - Encroachment onto Land

Any rights, easements, interests or claims that may exist by reason of or be reflected by the following facts:
Encroachment onto the Land by __________________.
Comment: If the survey or inspection shows conflicts, encroachments or evidence of easements, you should except to those matters. In appropriate cases in accordance with local custom, you may provide affirmative insurance or endorsement coverage as to such matters.

ENCX07 ALTA

Facts Disclosed by Survey - Encroachment onto Setback Line, Street, Alley or Easement

Any rights, easements, interests or claims that may exist by reason of or be reflected by the following facts shown on the survey dated ______________ by _______________.
Encroachment onto _______________ by ________________.
Comment: If a survey reflects encroachments of buildings or other improvements over boundary lines, easements, or building lines, use this exception.

ENCX08 ALTA

Facts Disclosed by Inspection - Encroachment onto Setback Line, Street, Alley or Easement

Any rights, easements, interests or claims that may exist by reason of or be reflected by the following facts:
Encroachment onto ______________ by ______________.
Comment: If the survey or inspection shows conflicts, encroachments or evidence of easements, you should except to those matters. In appropriate cases in accordance with local custom, you may provide affirmative insurance or endorsement coverage as to such matters.

ENCX09 ALTA

Railroad Easement (Shown on Survey)

Rights-of-way for railroad, switch tracks, spur tracks, railway facilities and other related easements, if any, on and across the Land along the ___________ portion of the Land as shown on survey dated ___________ by _______________.
Comment: You must use this exception if a survey discloses railroad lines and if the record does not reflect a grant or railroad easement.

ENCX10 STGC

Encroachment (Shown On Survey)

Any claim arising out of an encroachment by _____________ over _________ as set forth on the plat or survey by ___________ dated _____________.
Comment: If a survey reflects encroachments of buildings or other improvements over boundary lines, easements, or building lines, use this exception.
References
See Underwriting Manual,

18.40.6   Check-List For The Examination Of A Survey (not for condominium or air right purposes)

ENCX11 STGC

Encroachment (Not Shown on Survey)

Any claim arising out of an encroachment by ___________________ over ___________.
Comment: If you are aware of an encroachment of buildings or other improvements over boundary lines, easements, or building lines because of an inspection or other information, use this exception.
References
See Underwriting Manual,

18.40.6   Check-List For The Examination Of A Survey (not for condominium or air right purposes)

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