Underwriting Manual: Boundaries

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Underwriting Manual Subtopic
2.16.1

In General

08/19/2005
V 4
A boundary is every separation, natural or artificial, which marks the confines or line of division of two contiguous parcels of land.

Underwriting Manual Subtopic
2.16.2

Establishment Of Boundaries

08/19/2005
V 3

The boundaries of any property are generally established by:

  • The boundaries of adjoiners.
  • Metes and bounds.
  • Natural objects or monuments.
  • Artificial objects or monuments.
  • Reference to recorded subdivision map or recorded plat.
  • Reference to section and quarter sections.
  • Reference to recorded instruments.
  • Street address.

Note: We never rely on the street address as an adequate basis for insuring purposes.


Underwriting Manual Subtopic
2.16.3

Importance Of The Boundaries From The Title Insurance Point Of View

08/19/2005
V 4

As a basis for insurable legal descriptions

In this respect, the boundaries of the property must be:

  • Definite
  • Identifiable
  • Locatable

As a reminder that certain exceptions need to be shown in regard to the quality or location of said boundaries:

The following boundary issues require additional treatment and are discussed elsewhere in this manual. For detailed discussion reference:

  • Alleys
  • Boundaries established by recorded agreements
  • Cemeteries established by recorded agreements
  • Highways, roads, and streets
  • Monuments: Natural and artificial
  • Party walls
  • Plats of subdivisions
  • Railroad rights-of-way
  • Vacated alleys and streets
  • Water boundaries:

    • Bayous
    • Bays
    • Lakes (private)
    • Lakes (public)
    • Oceans
    • Rivers (navigable)
    • Rivers (nonnavigable)
    • Sloughs

As a source of additional title insurance problems in connection with:

  • Access
  • Accretions
  • Avulsions
  • Boundary line disputes
  • Contiguity Insurance (survey required)
  • Encroachments
  • Gaps
  • Overlaps
  • Restrictions