<html xmlns:v="urn:schemas-microsoft-com:vml" xmlns:o="urn:schemas-microsoft-com:office:office" xmlns:w="urn:schemas-microsoft-com:office:word" xmlns:m="http://schemas.microsoft.com/office/2004/12/omml" xmlns="http://www.w3.org/TR/REC-html40"><head><META HTTP-EQUIV="Content-Type" CONTENT="text/html; charset=us-ascii"><meta name=Generator content="Microsoft Word 15 (filtered medium)"><style><!--
/* Font Definitions */
@font-face
{font-family:"Cambria Math";
panose-1:2 4 5 3 5 4 6 3 2 4;}
@font-face
{font-family:Calibri;
panose-1:2 15 5 2 2 2 4 3 2 4;}
@font-face
{font-family:Tahoma;
panose-1:2 11 6 4 3 5 4 4 2 4;}
@font-face
{font-family:HelveticaNeueETW01-55Rg;}
@font-face
{font-family:HelveticaNeueETW01-75Bd;}
/* Style Definitions */
p.MsoNormal, li.MsoNormal, div.MsoNormal
{margin:0in;
margin-bottom:.0001pt;
font-size:11.0pt;
font-family:"Calibri",sans-serif;}
a:link, span.MsoHyperlink
{mso-style-priority:99;
color:blue;
text-decoration:underline;}
a:visited, span.MsoHyperlinkFollowed
{mso-style-priority:99;
color:purple;
text-decoration:underline;}
p.MsoAcetate, li.MsoAcetate, div.MsoAcetate
{mso-style-priority:99;
mso-style-link:"Balloon Text Char";
margin:0in;
margin-bottom:.0001pt;
font-size:8.0pt;
font-family:"Tahoma",sans-serif;}
p.MsoListParagraph, li.MsoListParagraph, div.MsoListParagraph
{mso-style-priority:34;
margin-top:0in;
margin-right:0in;
margin-bottom:0in;
margin-left:.5in;
margin-bottom:.0001pt;
font-size:11.0pt;
font-family:"Calibri",sans-serif;}
p.msonormal0, li.msonormal0, div.msonormal0
{mso-style-name:msonormal;
mso-style-priority:99;
mso-margin-top-alt:auto;
margin-right:0in;
mso-margin-bottom-alt:auto;
margin-left:0in;
font-size:12.0pt;
font-family:"Times New Roman",serif;}
span.BalloonTextChar
{mso-style-name:"Balloon Text Char";
mso-style-priority:99;
mso-style-link:"Balloon Text";
font-family:"Tahoma",sans-serif;}
span.EmailStyle22
{mso-style-type:personal;
font-family:"Calibri",sans-serif;
color:windowtext;}
span.EmailStyle23
{mso-style-type:personal;
font-family:"Calibri",sans-serif;
color:#1F497D;}
span.EmailStyle24
{mso-style-type:personal;
font-family:"Calibri",sans-serif;
color:windowtext;}
span.EmailStyle26
{mso-style-type:personal-reply;
font-family:"Calibri",sans-serif;
color:windowtext;}
.MsoChpDefault
{mso-style-type:export-only;
font-size:10.0pt;}
@page WordSection1
{size:8.5in 11.0in;
margin:1.0in 1.0in 1.0in 1.0in;}
div.WordSection1
{page:WordSection1;}
--></style><!--[if gte mso 9]><xml>
<o:shapedefaults v:ext="edit" spidmax="1026" />
</xml><![endif]--><!--[if gte mso 9]><xml>
<o:shapelayout v:ext="edit">
<o:idmap v:ext="edit" data="1" />
</o:shapelayout></xml><![endif]--></head><body lang=EN-US link=blue vlink=purple><div class=WordSection1><p class=MsoNormal>I’m still confused. In the abstract, an easement to a governmental entity is treated differently than an easement to a private party? I can understand treating an encroachment into a zoning setback or a wetland buffer differently, but isn’t an easement a property right that is the same regardless of who owns it? Or am I reading the facts wrong (“encroachment within 10’ of easement”)?<o:p></o:p></p><p class=MsoNormal><o:p> </o:p></p><div><div style='border:none;border-top:solid #E1E1E1 1.0pt;padding:3.0pt 0in 0in 0in'><p class=MsoNormal><b>From:</b> wsbarp-bounces@lists.wsbarppt.com [mailto:wsbarp-bounces@lists.wsbarppt.com] <b>On Behalf Of </b>Douglas W. Scott<br><b>Sent:</b> Tuesday, September 05, 2017 9:39 AM<br><b>To:</b> WSBA Real Property Listserv <wsbarp@lists.wsbarppt.com><br><b>Subject:</b> Re: [WSBARP] Title insurance question<o:p></o:p></p></div></div><p class=MsoNormal><o:p> </o:p></p><p class=MsoNormal>Thanks for the explanation.<o:p></o:p></p><p class=MsoNormal><o:p> </o:p></p><div><p class=MsoNormal><span style='font-family:"Arial",sans-serif'>Douglas W. Scott<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial",sans-serif'>Law Offices of Douglas W. Scott<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial",sans-serif'>Windermere Building<o:p></o:p></span></p><p class=MsoNormal><span style='font-family:"Arial",sans-serif'>1810 15th Place NW, Suite 203<br>Issaquah, Washington, 98027<br>V. 425.392.8550<br>F. 425-392-2829 <o:p></o:p></span></p><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial",sans-serif'><a href="http://www.davisscottlaw.com/">www.davisscottlaw.com</a><o:p></o:p></span></p></div><p class=MsoNormal><o:p> </o:p></p><div><div style='border:none;border-top:solid #B5C4DF 1.0pt;padding:3.0pt 0in 0in 0in'><p class=MsoNormal><b><span style='font-size:10.0pt;font-family:"Tahoma",sans-serif'>From:</span></b><span style='font-size:10.0pt;font-family:"Tahoma",sans-serif'> <a href="mailto:wsbarp-bounces@lists.wsbarppt.com">wsbarp-bounces@lists.wsbarppt.com</a> [<a href="mailto:wsbarp-bounces@lists.wsbarppt.com">mailto:wsbarp-bounces@lists.wsbarppt.com</a>] <b>On Behalf Of </b>John McCrady<br><b>Sent:</b> Tuesday, September 05, 2017 9:03 AM<br><b>To:</b> WSBA Real Property Listserv<br><b>Subject:</b> Re: [WSBARP] Title insurance question<o:p></o:p></span></p></div></div><p class=MsoNormal><o:p> </o:p></p><p class=MsoNormal><span style='color:#1F497D'>Without seeing the response from Chicago Title, my best guess is that the garage encroached onto a governmentally imposed setback rather than across a boundary line, and that Chicago denied the garage issue under what we sometimes call the “Government Regulation” exclusion, which I quote below:<o:p></o:p></span></p><p class=MsoNormal><span style='color:#1F497D'><o:p> </o:p></span></p><p align=center style='text-align:center;line-height:15.0pt'><b><span style='font-size:10.5pt;font-family:HelveticaNeueETW01-75Bd;color:black'>EXCLUSIONS FROM COVERAGE</span></b><span style='font-size:10.5pt;font-family:HelveticaNeueETW01-55Rg;color:black'><o:p></o:p></span></p><p style='line-height:15.0pt'><span style='font-size:10.5pt;font-family:HelveticaNeueETW01-55Rg;color:black'>The following matters are expressly excluded from the coverage of this policy, and the Company will not pay loss or damage, costs, attorneys' fees, or expenses that arise by reason of: <o:p></o:p></span></p><p style='line-height:15.0pt'><span style='font-size:10.5pt;font-family:HelveticaNeueETW01-55Rg;color:black'>1. (a) Any law, ordinance, permit, or governmental regulation (including those relating to building and zoning) restricting, regulating, prohibiting, or relating to<o:p></o:p></span></p><p style='line-height:15.0pt'><span style='font-size:10.5pt;font-family:HelveticaNeueETW01-55Rg;color:black'>(i) the occupancy, use, or enjoyment of the Land; <o:p></o:p></span></p><p style='line-height:15.0pt'><span style='font-size:10.5pt;font-family:HelveticaNeueETW01-55Rg;color:black'>(ii) the character, dimensions, or location of any improvement erected on the Land; <o:p></o:p></span></p><p style='line-height:15.0pt'><span style='font-size:10.5pt;font-family:HelveticaNeueETW01-55Rg;color:black'>(iii) the subdivision of land; or <o:p></o:p></span></p><p style='line-height:15.0pt'><span style='font-size:10.5pt;font-family:HelveticaNeueETW01-55Rg;color:black'>(iv) environmental protection; <o:p></o:p></span></p><p style='line-height:15.0pt'><span style='font-size:10.5pt;font-family:HelveticaNeueETW01-55Rg;color:black'>or the effect of any violation of these laws, ordinances, or governmental regulations. This Exclusion 1(a) does not modify or limit the coverage provided under Covered Risk 5. <o:p></o:p></span></p><p class=MsoNormal><span style='color:#1F497D'>.<o:p></o:p></span></p><p class=MsoNormal><span style='color:#1F497D'><o:p> </o:p></span></p><div><p class=MsoNormal><span style='color:#1F497D'>John McCrady<o:p></o:p></span></p><p class=MsoNormal><span style='color:#1F497D'>Puget Sound Title Company<o:p></o:p></span></p><p class=MsoNormal><span style='color:#1F497D'>5350 Orchard Street West<o:p></o:p></span></p><p class=MsoNormal><span style='color:#1F497D'>University Place WA 98467<o:p></o:p></span></p><p class=MsoNormal><span style='color:#1F497D'>253-476-5721<o:p></o:p></span></p><p class=MsoNormal><span style='color:#1F497D'><a href="mailto:j.mccrady@pstitle.com">j.mccrady@pstitle.com</a><o:p></o:p></span></p></div><p class=MsoNormal><span style='color:#1F497D'><o:p> </o:p></span></p><div><div style='border:none;border-top:solid #E1E1E1 1.0pt;padding:3.0pt 0in 0in 0in'><p class=MsoNormal><b>From:</b> <a href="mailto:wsbarp-bounces@lists.wsbarppt.com">wsbarp-bounces@lists.wsbarppt.com</a> [<a href="mailto:wsbarp-bounces@lists.wsbarppt.com">mailto:wsbarp-bounces@lists.wsbarppt.com</a>] <b>On Behalf Of </b>Douglas W. Scott<br><b>Sent:</b> Monday, September 04, 2017 2:51 PM<br><b>To:</b> WSBA Real Property Listserv (<a href="mailto:wsbarp@lists.wsbarppt.com">wsbarp@lists.wsbarppt.com</a>) <<a href="mailto:wsbarp@lists.wsbarppt.com">wsbarp@lists.wsbarppt.com</a>><br><b>Subject:</b> [WSBARP] Title insurance question<o:p></o:p></p></div></div><p class=MsoNormal><o:p> </o:p></p><p class=MsoNormal>Client made claim against Chicago Title for:<o:p></o:p></p><p class=MsoListParagraph style='text-indent:-.25in'>1.<span style='font-size:7.0pt;font-family:"Times New Roman",serif'> </span>Having to move a garage that encroached within 10’ of a King County drainage easement.<o:p></o:p></p><p class=MsoListParagraph style='text-indent:-.25in'>2.<span style='font-size:7.0pt;font-family:"Times New Roman",serif'> </span>Neighbors claim that client exceeded his easement rights for a parking pad. <o:p></o:p></p><p class=MsoNormal>Title company says the 2007 Owners Policy provides coverage for encroachments of existing improvements. It accepted the encroaching parking pad, but denied moving the garage. They are both encroachments only of a different nature that had been there well before my client bought the property in 2008---any ideas? <o:p></o:p></p><p class=MsoNormal><o:p> </o:p></p><p class=MsoNormal><span style='font-family:"Arial",sans-serif'>Douglas W. Scott<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial",sans-serif'>Law Offices of Douglas W. Scott<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial",sans-serif'>Windermere Building<o:p></o:p></span></p><p class=MsoNormal><span style='font-family:"Arial",sans-serif'>1810 15th Place NW, Suite 203<br>Issaquah, Washington, 98027<br>V. 425.392.8550<br>F. 425-392-2829 <o:p></o:p></span></p><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial",sans-serif'><a href="http://www.davisscottlaw.com/">www.davisscottlaw.com</a><o:p></o:p></span></p><p class=MsoNormal><o:p> </o:p></p></div></body></html>