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<!--StartFragment--><p class="MsoNormal">The ‘risk’ is the cost of removing the third story of the
home. Insurance ‘coverage’ arguably exists
for some risks, conditionally. There are
three stated conditions that allow the insurer to deny coverage. Conditions ‘a’ and ‘b’ are clearly not
applicable as exceptions. However, the policy
goes on to state that the coverage is available “<u class="">unless</u> there is a <u class="">notice</u>
recorded in the Public records, describing any part of the Land, claiming a
violation exists.” Oops. The policy goes on to state, however, “Our
liability for this Covered Risk is limited to the extent of the violation
stated <u class="">in that notice</u>.” Clear as
mud. First, the Covenants, duly recorded
and presumably recited as an exception to title insurance, expressly give
notice that the home does not conform to the same. Thus the ‘unless’ exception would seem to
apply, but for the last sentence referencing said “notice”. This makes no sense. However, that last sentence applies solely to
“liability for this Covered Risk”! Thus,
the risk in question must first be ‘Covered’ for the last sentence to
apply. Returning then to the original
question, Query: is the ‘third story’ a “covered”
risk in the first instance? It would
appear that it is not, imho, as the holder of the insurance policy was on notice that
the third story violated covenants of record and duly recited as exceptions
under the policy at the time of purchase.
I would advise the purchasers to find another home; if you are
comfortable with a contrary position, make sure that your own professional coverage
is in order should litigation papers hit the fan. Remember that if suit is filed, someone other
than the friendly title agent will be reviewing whether and to what extent the
title company must defend and/or pay. Good luck!<o:p class=""></o:p></p>
<!--EndFragment--></div><br class=""><div><blockquote type="cite" class=""><div class="">On Mar 20, 2018, at 11:26 AM, marc <a href="http://holmeslawgroup.com" class="">holmeslawgroup.com</a> <<a href="mailto:marc@holmeslawgroup.com" class="">marc@holmeslawgroup.com</a>> wrote:</div><br class="Apple-interchange-newline"><div class=""><div class="WordSection1" style="page: WordSection1; font-family: Helvetica; font-size: 12px; font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; orphans: auto; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px;"><div style="margin: 0in 0in 0.0001pt; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span style="font-size: 12pt; font-family: 'Times New Roman', serif;" class="">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 class=""></o:p></span></div><div style="margin: 0in 0in 0.0001pt; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span style="font-size: 12pt; font-family: 'Times New Roman', serif;" class=""><o:p class=""> </o:p></span></div><div style="margin: 0in 0in 0.0001pt 0.25in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span style="font-size: 12pt; font-family: 'Times New Roman', serif;" class="">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 class=""></o:p></span></div><ol start="1" type="a" style="margin-bottom: 0in; margin-top: 0in;" class=""><li class="MsoListParagraph" style="margin: 0in 0in 0.0001pt 0.25in; font-size: 11pt; font-family: Calibri, sans-serif;"><span style="font-size: 12pt; font-family: 'Times New Roman', serif;" class="">Any obligation to perform maintenance or repair on the Land; or<o:p class=""></o:p></span></li><li class="MsoListParagraph" style="margin: 0in 0in 0.0001pt 0.25in; font-size: 11pt; font-family: Calibri, sans-serif;"><span style="font-size: 12pt; font-family: 'Times New Roman', serif;" class="">Environmental protection of any kind, including hazardous or toxic conditions or substances.<o:p class=""></o:p></span></li></ol><div style="margin: 0in 0in 0.0001pt 0.25in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span style="font-size: 12pt; font-family: 'Times New Roman', serif;" class="">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 class=""></o:p></span></div><div style="margin: 0in 0in 0.0001pt; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span style="font-size: 12pt; font-family: 'Times New Roman', serif;" class=""><o:p class=""> </o:p></span></div><div style="margin: 0in 0in 0.0001pt; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span style="font-size: 12pt; font-family: 'Times New Roman', serif;" class="">We’re not aware of any publicly recorded notice of that the 3<sup class="">rd</sup><span class="Apple-converted-space"> </span>story is a violation. Does this seem like adequate protection for the buyer or a recipe for disaster?<o:p class=""></o:p></span></div><div style="margin: 0in 0in 0.0001pt; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span style="font-size: 12pt; font-family: 'Times New Roman', serif;" class=""><o:p class=""> </o:p></span></div><div style="margin: 0in 0in 0.0001pt; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span style="font-size: 12pt; font-family: 'Times New Roman', serif;" class=""><o:p class=""> </o:p></span></div><div style="margin: 0in 0in 0.0001pt; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span style="font-size: 12pt; font-family: 'Times New Roman', serif;" class=""><o:p class=""> </o:p></span></div><div style="margin: 0in 0in 0.0001pt; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span style="font-size: 12pt; font-family: 'Times New Roman', serif;" class="">Marc Holmes<o:p class=""></o:p></span></div><div style="margin: 0in 0in 0.0001pt; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span style="font-size: 12pt; font-family: 'Times New Roman', serif;" class="">Holmes Law Group PLLC<o:p class=""></o:p></span></div><div style="margin: 0in 0in 0.0001pt; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span style="font-size: 12pt; font-family: 'Times New Roman', serif;" class="">2303 W. Commodore Way, # 306<o:p class=""></o:p></span></div><div style="margin: 0in 0in 0.0001pt; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span style="font-size: 12pt; font-family: 'Times New Roman', serif;" class="">Seattle WA 98199<o:p class=""></o:p></span></div><div style="margin: 0in 0in 0.0001pt; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span style="font-size: 12pt; font-family: 'Times New Roman', serif;" class=""><a href="http://holmeslawgroup.com/" style="color: purple; text-decoration: underline;" class=""><span style="color: blue;" class="">HolmesLawGroup.com</span></a><span style="color: rgb(31, 73, 125);" class=""><o:p class=""></o:p></span></span></div><div style="margin: 0in 0in 0.0001pt; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span style="font-size: 12pt; font-family: 'Times New Roman', serif;" class=""><a href="mailto:marc@holmeslawgroup.com" style="color: purple; text-decoration: underline;" class=""><span style="color: blue;" class="">marc@holmeslawgroup.com</span></a><span style="color: rgb(31, 73, 125);" class=""><o:p class=""></o:p></span></span></div><div style="margin: 0in 0in 0.0001pt; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span style="font-size: 12pt; font-family: 'Times New Roman', serif;" class="">Ofc: 206-357-4224<o:p class=""></o:p></span></div><div style="margin: 0in 0in 0.0001pt; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span style="font-size: 12pt; font-family: 'Times New Roman', serif;" class="">Cell: 206-849-0853<o:p class=""></o:p></span></div><div style="margin: 0in 0in 0.0001pt; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><o:p class=""> </o:p></div></div><span style="font-family: Helvetica; font-size: 12px; font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; orphans: auto; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; float: none; display: inline !important;" class="">_______________________________________________</span><br style="font-family: Helvetica; font-size: 12px; font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; orphans: auto; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px;" class=""><span style="font-family: Helvetica; font-size: 12px; font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; orphans: auto; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; float: none; display: inline !important;" class="">WSBARP mailing list</span><br style="font-family: Helvetica; font-size: 12px; font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; orphans: auto; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px;" class=""><a href="mailto:WSBARP@lists.wsbarppt.com" style="color: purple; text-decoration: underline; font-family: Helvetica; font-size: 12px; font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; orphans: auto; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px;" class="">WSBARP@lists.wsbarppt.com</a><br style="font-family: Helvetica; font-size: 12px; font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; orphans: auto; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px;" class=""><a href="http://mailman.fsr.com/mailman/listinfo/wsbarp" style="color: purple; text-decoration: underline; font-family: Helvetica; font-size: 12px; font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; orphans: auto; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px;" class="">http://mailman.fsr.com/mailman/listinfo/wsbarp</a></div></blockquote></div><br class=""></body></html>