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<p class="MsoNormal">I’m sure there are differences of opinion, but in my view the ‘unless there is notice in the public record’ phrase only applies to the sentence beginning with “However,…”.<o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal"><b><span style="font-size:12.0pt;color:#1F497D">Gretchen Valentine
</span></b><span style="font-size:12.0pt;color:#7F7F7F">| </span><b><span style="font-size:12.0pt;color:#1F497D">NW Regional Underwriting Counsel</span></b><b><span style="font-size:12.0pt;color:black"><o:p></o:p></span></b></p>
<p class="MsoNormal"><b><span style="font-size:12.0pt;color:#1F497D">Title Resources</span></b><b><span style="font-size:12.0pt;color:black"><o:p></o:p></span></b></p>
<p class="MsoNormal"><span style="font-size:12.0pt;color:#7F7F7F">Phone: 206-962-7744 |
<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;color:#7F7F7F"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:1.0pt;color:#1F497D"><o:p> </o:p></span></p>
<p class="MsoNormal"><img width="350" height="177" style="width:3.6458in;height:1.8437in" id="Picture_x0020_1" src="cid:image001.jpg@01D3C044.1CF9D300" alt="TitleResources"><o:p></o:p></p>
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<p class="MsoNormal"><b>From:</b> wsbarp-bounces@lists.wsbarppt.com [mailto:wsbarp-bounces@lists.wsbarppt.com]
<b>On Behalf Of </b>Marcus Fry<br>
<b>Sent:</b> Tuesday, March 20, 2018 11:40 AM<br>
<b>To:</b> WSBA Real Property Listserv <wsbarp@lists.wsbarppt.com><br>
<b>Cc:</b> kim holmeslawgroup.com <kim@holmeslawgroup.com><br>
<b>Subject:</b> Re: [WSBARP] 3 story house meets 2 story CCR restriction<o:p></o:p></p>
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<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal"><a name="_GoBack"></a><span style="color:#1F497D">Marc:<o:p></o:p></span></p>
<p class="MsoNormal"><span style="color:#1F497D">I read it the opposite. The title company only covers the buyer if there is a recorded notice of the violation. However, the buyer isn’t covered if there is no recorded notice of violation even though it appears
known that there is a clear violation of the CCRs in this instance.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="color:#1F497D"><o:p> </o:p></span></p>
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<p class="MsoNormal" style="text-align:justify"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#1F497D">Marcus J. Fry<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#1F497D">Lyon, Weigand & Gustafson, P.S.
<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom:12.0pt"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#1F497D">Yakima, WA.<o:p></o:p></span></p>
<p class="MsoNormal" style="text-align:justify"><b><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#1F497D">Confidentiality:
</span></b><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#1F497D">This e-mail transmission may contain information which is protected by attorney-client, work product and/or other privileges. If you are not the intended recipient, you
are hereby notified that any disclosure, or taking of any action in reliance on the contents, is strictly prohibited. If you have received this transmission in error, please contact us immediately and return the e-mail to us by choosing Reply (or the corresponding
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<p class="MsoNormal"><span style="color:#1F497D"><o:p> </o:p></span></p>
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<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>marc holmeslawgroup.com<br>
<b>Sent:</b> Tuesday, March 20, 2018 11:27 AM<br>
<b>To:</b> WSBA Real Property Listserv<br>
<b>Cc:</b> kim holmeslawgroup.com<br>
<b>Subject:</b> [WSBARP] 3 story house meets 2 story CCR restriction<o:p></o:p></span></p>
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<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Times New Roman",serif">We have a client set to buy a brand new 3 story house and, lo and behold, the builder didn’t notice or ignored a CCR restriction limiting homes to no more than 2 stories.
Title company says the ALTA Homeowner’s policy covers this and points to a “covered risk” provision that reads:<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Times New Roman",serif"><o:p> </o:p></span></p>
<p class="MsoNormal" style="margin-left:.25in"><span style="font-size:12.0pt;font-family:"Times New Roman",serif">You are forced to correct or remove an existing violation of any covenant, condition or restriction affecting the Land, even if the covenant, condition
or restriction is excepted in Schedule B. However, You are not covered for any violation that relates to:<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-left:.75in;text-indent:-.25in;mso-list:l0 level1 lfo2">
<![if !supportLists]><span style="font-size:12.0pt;font-family:"Times New Roman",serif"><span style="mso-list:Ignore">a.<span style="font:7.0pt "Times New Roman"">
</span></span></span><![endif]><span style="font-size:12.0pt;font-family:"Times New Roman",serif">Any obligation to perform maintenance or repair on the Land; or<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-left:.75in;text-indent:-.25in;mso-list:l0 level1 lfo2">
<![if !supportLists]><span style="font-size:12.0pt;font-family:"Times New Roman",serif"><span style="mso-list:Ignore">b.<span style="font:7.0pt "Times New Roman"">
</span></span></span><![endif]><span style="font-size:12.0pt;font-family:"Times New Roman",serif">Environmental protection of any kind, including hazardous or toxic conditions or substances.<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-left:.25in"><span style="font-size:12.0pt;font-family:"Times New Roman",serif">unless there is a notice recorded in the Public records, describing any part of the Land, claiming a violation exists. Our liability for this
Covered Risk is limited to the extent of the violation stated in that notice.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Times New Roman",serif"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Times New Roman",serif">We’re not aware of any publicly recorded notice of that the 3<sup>rd</sup> story is a violation. Does this seem like adequate protection for the buyer or a recipe for disaster?<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Times New Roman",serif"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Times New Roman",serif"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Times New Roman",serif"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Times New Roman",serif">Marc Holmes<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Times New Roman",serif">Holmes Law Group PLLC<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Times New Roman",serif">2303 W. Commodore Way, # 306<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Times New Roman",serif">Seattle WA 98199<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Times New Roman",serif"><a href="https://urldefense.proofpoint.com/v2/url?u=http-3A__holmeslawgroup.com_&d=DwMFAg&c=fie8CffxQEyLNW7eyn-hJg&r=JERrBGrHYHDKmt6DjB9VAo1wn86_nDXhLwz5Msa5wWAQiPVWLWGOGUDcF194hmkm&m=gEvNMzjftf3o5zWElFqSmR0FR6KQQwYnuGer9oPP608&s=bYR8hc7dydnQn7EZ__KCVILd6yOLnFCJbkyMB8ZxsYg&e=">HolmesLawGroup.com</a><span style="color:#1F497D"><o:p></o:p></span></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Times New Roman",serif"><a href="mailto:marc@holmeslawgroup.com">marc@holmeslawgroup.com</a><span style="color:#1F497D"><o:p></o:p></span></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Times New Roman",serif">Ofc: 206-357-4224<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Times New Roman",serif">Cell: 206-849-0853<o:p></o:p></span></p>
<p class="MsoNormal"><o:p> </o:p></p>
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