ALTA Endorsement 4.1 (Condominium - Current Assessments) (7-1-21)

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ALTA Endorsement 4.1 (Condominium - Current Assessments) (7-1-21)

Confirm with your local underwriter whether or not any modifications of this form are allowed.

Form Document
V 13


This endorsement is issued as part of
Policy Number ______________________

Issued by


File No.: ______________________

Charge: ______________________


The Company insures against loss or damage sustained by the Insured by reason of:


1.      The failure of the unit identified in Schedule A and its common elements to be part of a condominium within the meaning of the condominium statutes of the State in which the unit and its common elements are located.


2.      The failure of the documents required by the State condominium statutes to comply with the requirements of the statutes to the extent that such failure affects the Title to the unit and its common elements.


3.      Present violations of any restrictive covenants that restrict the use of the unit and its common elements and that are contained in the condominium documents or the forfeiture or reversion of Title by reason of any provision contained in the restrictive covenants. As used in Section 3, the words “restrictive covenants” do not refer to or include any covenant, condition, or restriction:

a.      relating to obligations of any type to perform maintenance, repair, or remediation on the Land, or

b.      pertaining to environmental protection of any kind or nature, including hazardous or toxic matters, conditions, or substances,

except to the extent that a notice of a violation or alleged violation affecting the Land has been recorded in the Public Records at the Date of Policy and is not excepted in Schedule B.


4.      Any charges or assessments provided for in the State condominium statutes and condominium documents due and unpaid at the Date of Policy.


5.      The failure of the unit and its common elements to be entitled by law to be assessed for real property taxes as a separate parcel.


6.      Any obligation to remove any improvements that exist at the Date of Policy because of any present encroachments or because of any future unintentional encroachments of the common elements upon any unit or of any unit upon the common elements or another unit.


7.      The failure of the Title by reason of a right of first refusal to purchase the unit and its common elements that was exercised or could have been exercised at the Date of Policy.

This endorsement is issued as part of the policy. Except as it expressly states, it does not (i) modify any of the terms and provisions of the policy, (ii) modify any prior endorsements, (iii) extend the Date of Policy, or (iv) increase the Amount of Insurance. To the extent a provision of the policy or a previous endorsement is inconsistent with an express provision of this endorsement, this endorsement controls. Otherwise, this endorsement is subject to all of the terms and provisions of the policy and of any prior endorsements.

[Witness clause]




By: ______________________________ 
      [Authorized Signatory]


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For issuing guidelines on this form, see Guidelines.