SUR

Surveys

To provide extended coverage, the Company generally requires a current survey. A current survey is typically no older than 6 months old and reflects current facts and improvements. A survey is not required (except in Kansas, Florida, Texas and New Mexico where the Company may rely on a prior survey and an affidavit) on loan policies if (1) the mortgage is a refinance on 1-4 family residential property and you secure an owner’s affidavit of facts, or (2) you issue a master or short form loan policy on 1-4 family residential property in a well established subdivision. A survey is not required on loan policies on resales on residential property up to 25 acres and commercial transactions up to $1,000,000 in some states (Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kentucky, Louisiana, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New York, North Carolina, North Dakota, Ohio, Oklahoma, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Utah, Virginia, West Virginia, Wisconsin, Wyoming). All discrepancies, encroachments, conflicts and matters evidencing possible easements should be excepted if the standard (easement and survey) exceptions are deleted and extended coverage is provided. In accordance with local practice, affirmative coverage or endorsement coverage (e.g., ALTA Form 9, CLTA Form 100, Pennsylvania 300) may then be given if the matters are relatively minor.

Requirement

SURR01 STG

Affidavit that Survey is Still Correct

The Company requires for its review a satisfactory affidavit executed by the owner of the land stating that there have been no improvements on the land (including fences or other structures) since the date of the prior survey. If the survey reveals any encroachments, overlaps, boundary line disputes, or other adverse matters, they may appear as exceptions in the Policy.
Comment: If the Company is willing to rely upon an older survey (over 6 months old) under the circumstances, it requires an affidavit that the survey remains accurate and an inspection if the land is commercial.

See Underwriting Manual

SURR02 STG

Update Prior Survey

The Company requires that the survey dated ____________ by __________ be updated and recertified. After review of the updated survey, the Company may make additional requirements or exceptions.
Comment: If the furnished survey is not current or a policy with extended coverage is downdated, the Company generally require an update of that survey.

See Underwriting Manual

SURR04 STG

Where survey is ordered and not yet received

Until survey is received and read into title, policy will except any state of facts an accurate survey would show.

SURR05 STG

Combined Survey and Personal Inspection Excepti

Until a guaranteed survey is received, policy will not insure courses, distances and dimensions of subject premises or the bed of any street, road or avenue passing through same, and will except any facts such a survey or personal inspection would show.

SURR06 STG

Incomplete Survey

Survey to be redated to show completed building before final advance.

Note: You may add additional local requirements here. Please consult with our underwriting personnel in preparing appropriate provisions.

SURR07 STG

No one present, portion of premises inaccessibl

At the time of our inspection, no one was available to permit entry to the premises. Our inspection of the premises is incomplete, because it is not possible to visually inspect the (compass direction(s)) lines of the premises without access. Please arrange for an appointment with our inspection department.

Exception

SURX01 ALTA

Facts Disclosed by Survey

Any rights, easements, interests or claims which may exist by reason of or reflected by the following facts shown on the survey dated ____________________ 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.

See Underwriting Manual

SURX02 ALTA

Facts Disclosed by Inspection

Any rights, easements, interests or claims which may exist by reason of or reflected by the following facts: ___________________________________________________.
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.

See Underwriting Manual

SURX03 ALTA

Survey Matters After Stated Date

Any discrepancies, conflicts, or shortages in area or boundary lines, or any encroachments or protrusions, or overlapping of improvements which would be disclosed by an inspection and accurate survey of the premises [arising subsequent to _________________].
Comment: If you downdate a prior policy which does not contain a survey exception, you should add this exception unless you secure an update of the survey or unless you confirm by inspection that no changes or improvements were later added.

See Underwriting Manual

SURX08 STG

Where there is no Survey

Except any state of facts an accurate survey would show [add the following in a proper case] including any question of compliance with covenants and restrictions.

SURX09 STG

Where survey is over 6 months old

Any state of facts since the date of said survey.

SURX10 STG

Where survey shows side or rear encroachments w

[Compass direction] wall of the building on the premises herein encroaches {or leans} onto premises to the [Compass Direction] up to [extent] inches, but policy will insure that said encroachment may remain as long as the building shown on the survey used herein shall stand.

SURX11 STG

Where long-standing encroachment into set-back

[Compass direction] wall of the building on the premises herein encroaches [Compass Direction]erly up to [extent] inches onto set-back area, but policy will insure that said encroachment may remain as long as the building shown on the survey used herein shall stand.

SURX12 STG

Encroachment on street up to 6 inches in NYC wh

[Compass direction] wall of the building on the premises herein encroaches on [Street name] [extent] inches, but policy will insure that said encroachment may remain as long as the building shown on the survey used herein shall stand.

SURX13 STG

Where survey shows street encroachment insurabl

[Compass direction] wall of the building on the premises herein encroaches on [Street name] [extent] inches, but policy will insure against any monetary loss to the mortgagee by reason of the enforced removal of such encroachment pursuant to a final judgment or decree of a court of competent jurisdiction.

SURX14 STG

Insurance where party wall off line on adjoinin

The [Compass direction] party wall of the building on the premises herein is entirely on the premises to the [Compass direction]. The [Compass direction] face of said wall is [extent] inches off the lot line. The policy will except the state of facts but will insure that a valid easement exists to use said wall as a party wall and the space between said wall and the lot line so long as the building shown on the survey used herein shall stand.

SURX15 STG

Fences, Hedges or Retaining Walls

Variations between the lines of fences (or hedges or retaining walls) and the lines of record title.

SURX16 STG

Owner out of possession (over 1 foot)

The owner is out of possession of a strip of land up to [Maximum width], lying [Compass direction] of the [same Compass direction]erly fence (or hedge or wall or retaining wall); title to said strip is not insured.

SURX17 STG

Wall encroaches

The [Compass direction] wall of the building on the premises adjoining on the [Compass direction] encroaches up to [maximum extent] inches onto the premises described herein.

SURX18 STG

Where no party wall agreement, and no independe

The building on the premises described herein has no [Compass direction]erly independent wall depending for support or enclosure on the [Compass direction] wall of the building adjoining on the [Compass direction].

SURX19 STG

Street encroachments

Encroachments on [Street name] by
(1)[item] up to [maximum extent]
(2)[item] up to [maximum extent]
(3)[item] up to [maximum extent]

SURX20 STG

Projections

Projections over [Street name] by
(1)[item] up to [maximum extent]
(2)[item] up to [maximum extent]
(3)[item] up to [maximum extent]

SURX21 STG

Projection (on opening or extension of object o

The [fire escape][eaves][window or door when opened][etc.] of the building on the premises adjoining to the [Compass direction] projects onto premises described herein up to [maximum extent] inches.

SURX22 STG

Garage shown - but no driveway easement

Survey shows that there is a garage on the premises under examination and that use is made of the adjoining premises on the [Compass direction] as a driveway. We find no easement created of record. No easement to use said adjoining premises will be insured without an agreement from the owner of the premises herein, the holders of all mortgages thereon and the owner of the premises on the [Compass direction] and the holders of all mortgages thereon.

SURX23 STG

Approved Survey Reading Format

The following format is to be used for all survey readings, excepting only situations where Counsel has approved the use of another format for a particular lender:
a)
b)
c)
d)
e)
{or} [No variations or encroachments]

as shown on survey made by ________N._________, dated _____(date)________[and last redated ______(date)_____. Policy affirmatively insures that the existing buildings as shown on the above survey, unless excepted above, are located wholly within the boundaries of the premises described herein.

Subject to any state of facts since the date of the survey.

{or, where appropriate - residential only} Personal Inspection dated _____(date)_______ shows the following:

North Line:
South Line:
East Line:
West Line:

FOR LOAN POLICIES ONLY: Policy insures the mortgagee against monetary loss notwithstanding the above variations, encroachments and other matters set forth in the above survey exception and as noted under the personal inspection.

NOTE: Any changes to existing structures or the addition of any structures are within bounds unless stated to the contrary in the above personal inspection. Compliance with zoning, setback and other governmental requirements is not certified or insured; nor does policy insure that any of the other matters noted in the above personal inspection are within bounds.

FOR INFORMATION ONLY (NOT FOR POLICY OR INSURANCE PURPOSES):

The above-mentioned survey shows the premises as being improved by:

The personal inspection discloses the following additions, extensions or other structures:

The accuracy of the matters shown above for information only is not guaranteed or insured.

SURX24 STG

Where no personal inspection is made (1-4 fam.

No personal inspection having been made by this Company, policy will except any state of facts an inspection would disclose since the date of said survey.

SURX25 STG

Where inspection is made by the Company

Our inspector’s report dated __/__/__ shows (reader to state facts).

SURX26 STG

No inspection can be made

Subject to any state of facts since the date of said survey. The survey coverage cannot be updated by personal inspection done by the Company, because the premises is not improved solely by a 1-4 family residence.

Note: You may add additional local exceptions here. Please consult with our underwriting personnel in preparing appropriate provisions.