ACC

ACCESS

Insuring provision number 4 of the Owner's and Loan Policies insures against loss or damage because of "Lack of a right of access to and from the Land." The Policy insures legal right of access to and from the land. However, it does not insure the physical condition of that access. The examination of the title must determine that the land has access. If the access is provided by an easement, the examination must include that easement, even if the easement will not be described in the Policy.

Requirement

ACCR01 STG

STGC Satisfactory Evidence of a Right of Access

Lack of a right of access to and from the land. The Company requires satisfactory evidence of a right of access. The Company may then make additional requirements or exceptions.

Comment: If the examination of the title does not reflect a right of access to and from the land, the commitment must except to lack of a right of access and require satisfactory evidence of a right of access.

See Underwriting Manual, Access, Right of, Section 1.12.

Exception

ACCX01 ALTA

ALTA Complete Lack of a Right of Access

Lack of a right of access to and from the Land.

Comment: Use this exception if the examination does not reflect a right of access to the land or if all rights of access have been released, granted, or waived.
 
See Underwriting Manual, Abutting Owners' Rights of Access, Section 1.08 ; Access, Right of, Section 1.12.