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<p class="MsoNormal">Scott, In further explanation, the Chicago Title letter stated “the Policy provides coverage for any encroachments of existing improvements located on the Property onto adjoining land”. The encroaching driveway and parking pad onto the
neighbor’s property were covered, but the encroachment onto the 10’foot King County drainage easement for surface waters was not covered. Chicago Title said that the Policy provides coverage for certain violations of any governmental regulation IF a notice
is recorded in public records setting forth the violation or intention to enforce and this claim does not fall within the covered risk. Plus, the policy exclusions state precisely what John McCrady’s Exlusions stated regarding any “law…or govt. regulation”,
“environmental protection”. However, the letter from Chicago Title did say it covers “any encroachments”.
<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>
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<p class="MsoNormal"><o:p> </o:p></p>
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<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""> wsbarp-bounces@lists.wsbarppt.com [mailto:wsbarp-bounces@lists.wsbarppt.com]
<b>On Behalf Of </b>Scott Thomas<br>
<b>Sent:</b> Tuesday, September 05, 2017 10:34 AM<br>
<b>To:</b> 'WSBA Real Property Listserv'<br>
<b>Subject:</b> Re: [WSBARP] Title insurance question<o:p></o:p></span></p>
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<p class="MsoNormal"><o:p> </o:p></p>
<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>
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<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> Tuesday, September 05, 2017 9:39 AM<br>
<b>To:</b> WSBA Real Property Listserv <<a href="mailto:wsbarp@lists.wsbarppt.com">wsbarp@lists.wsbarppt.com</a>><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>
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<p class="MsoNormal"><o:p> </o:p></p>
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<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>
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<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>
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