Obtain public utility letters from all local utility companies stating whether they have easements, equipment, etc., on the land, and where they are located.Дў. This will avoid potential problems at closing and help reduce title insurance claims.ДЎ. To comply with the contract and obtain details of lot lines, set backs, easements and encroachments, ATG strongly recommends that you always request a survey and not accept a mortgage inspection. Providing a mortgage inspection may violate the contract. Many residential real estate contracts require a survey be provided. However, you must review the plat of condominium and raise exceptions for items it reveals.Д¤. You have the authority to waive the Standard Exceptions for condominiums without a survey if you are insuring a single unit in a condominium. If you have also obtained an Affidavit of No New Improvements, review it and add exceptions to Schedule B for new easements, setback lines, or encroachments it reveals.ДЈ. Once you receive the survey, look for and raise as Special Exceptions on Schedule B all easements, setback lines, encroachments onto easements or adjoining property, violations of setback lines, encroachments from adjoining property onto the insured land, boundary line disputes, etc. In this affidavit, the sellers verify the old survey and provide information about any changes to the structures on the property, any additional structures on the property, or any new encroachments that the sellers know of.Дў. If it is older than that but less than five years old, you may nonetheless rely upon it by obtaining an Affidavit of No New Improvements (ATG Form 3030) from the sellers. Your survey should be dated within six months of the commitment's effective date. Once this form is signed, read it and raise Schedule B exceptions for any adverse matters it reveals.ДЎ. If there are any, the sellers must indicate what encroachments exist in the space provided on the form.ДҐ. The sellers swear that there are no encroachments of any kind on their land. The sellers' signatures must be notarized.Д¤. Check the table (see reverse) to see whether you may rely on an Affidavit in Lieu of Survey for your transaction.ДЈ. However, you must first review the plat of condominium and raise exceptions for items it reveals.ДЄffidavit in Lieu of Survey (ATG Form 3001) :ДЎ.

Raise exceptions for unrecorded easements where you see any equipment for utility companies that is not located within a recorded easement.ДҐ. Raise all easements, setback lines, boundary line disputes, encroachments onto easements, violations of setback lines, encroachments onto adjoining property, encroachments from adjoining property onto the insured land, etc., as Special Exceptions on Schedule B.Д¤. Look on the ALTA Survey for easements, setback lines, encroachments, possible boundary line disputes, etc. ALTA Surveys must be no more than six months old and name ATG as an addressee.ДЈ. An ALTA Survey is a survey that has been prepared in compliance with the Minimum Standard Detail Requirements for Land Title Surveys as adopted by the American Land Title Association and the American Congress on Surveying and Mapping.Дў. See the chapter on Mechanic's Liens for more information on this process.ДЎ. Obtain final lien waivers for all the work completed. If the ALTA Statement reveals work on the land completed within the prior six months that could result in a mechanic's lien, require affidavits from the owner and general contractor indicating all persons who worked on the property.

Have the seller produce copies of all unrecorded leases the ALTA Statement reveals for inspection, and raise exceptions for their terms and conditions.Д¦. Raise Schedule B Exceptions for any new information revealed on the ALTA Statement pertaining to liens for management fees, commercial broker's fees, security agreements, financing statements, chattel mortgages, unrecorded contracts of options to purchase the land, leases, or easements.ДҐ. Read the completed and signed ALTA Statement and raise Schedule B exceptions for any adverse matters it reveals.Д¤. Make sure each signature on the ALTA Statement is notarized.ДЈ.

The ALTA Statement is signed by the seller(s), buyer(s), and lender (or the closer as the agent of the lender).Дў. STANDARD EXCEPTIONS AND EXTENDED COVERAGEД¬ontinuing last month's Underwriters' Bulletin topic of Extended Coverage, this issue details each of ATG's requirements for providing Extended Coverage:ДЄLTA Statement (ATG Form 3004) or Construction Lien and Possession Affidavit (ATG Form 3033-WI) :ДЎ.

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