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</o:shapelayout></xml><![endif]--></head><body lang=EN-US link="#0563C1" vlink="#954F72" style='word-wrap:break-word'><div class=WordSection1><p class=MsoNormal>Title Gurus,<o:p></o:p></p><p class=MsoNormal><o:p> </o:p></p><p class=MsoNormal>Covered Risk 11 on in a standard Homeowner’s Policy provides coverage in a situation where, “You do not have actual vehicular and pedestrian access to and from the Land, based upon a legal right.” “Land” is defined as “the land or condominium unit described in paragraph 3 of Schedule A and <b>any improvements</b> on the Land which are real property.”<o:p></o:p></p><p class=MsoNormal><o:p> </o:p></p><p class=MsoNormal>Given that “improvements” are included in the definition of “Land,” if a vehicle can get to a boundary of the subject property but is unable to get to the garage at the residence on the property, should title insurance cover the cost of providing access to the garage?<o:p></o:p></p><p class=MsoNormal><o:p> </o:p></p><p class=MsoNormal>Sam<o:p></o:p></p><p class=MsoNormal><o:p> </o:p></p><p class=MsoNormal><b><span style='font-size:10.0pt;font-family:"Arial",sans-serif;color:blue;mso-ligatures:none'><o:p> </o:p></span></b></p><p class=MsoNormal><b><span style='font-size:10.0pt;font-family:"Arial",sans-serif;color:blue;mso-ligatures:none'>Samuel M. Meyler</span></b><span style='mso-ligatures:none'><o:p></o:p></span></p><p class=MsoNormal><b><span style='font-size:10.0pt;font-family:"Arial",sans-serif;color:blue;mso-ligatures:none'>Meyler Legal, PLLC </span></b><span style='mso-ligatures:none'><o:p></o:p></span></p><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial",sans-serif;color:blue;mso-ligatures:none'>1700 Westlake Ave. N., Ste. 200<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial",sans-serif;color:blue;mso-ligatures:none'>Seattle, Washington 98109</span><span style='mso-ligatures:none'><o:p></o:p></span></p><p class=MsoNormal><b><span style='font-size:10.0pt;font-family:"Arial",sans-serif;color:blue;mso-ligatures:none'>Tel:</span></b><span style='font-size:10.0pt;font-family:"Arial",sans-serif;color:blue;mso-ligatures:none'> 206.876.7770<o:p></o:p></span></p><p class=MsoNormal><b><span style='font-size:10.0pt;font-family:"Arial",sans-serif;color:blue;mso-ligatures:none'>Fax:</span></b><span style='font-size:10.0pt;font-family:"Arial",sans-serif;color:blue;mso-ligatures:none'> 206.876.7771<o:p></o:p></span></p><p class=MsoNormal><b><span style='font-size:10.0pt;font-family:"Arial",sans-serif;color:blue;mso-ligatures:none'>Email:</span></b><span style='font-size:10.0pt;font-family:"Arial",sans-serif;color:blue;mso-ligatures:none'> </span><span style='mso-ligatures:none'><a href="mailto:samuel@meylerlegal.com"><span style='font-size:10.0pt;font-family:"Arial",sans-serif;color:blue'>samuel@meylerlegal.com</span></a></span><span style='mso-ligatures:none'><o:p></o:p></span></p><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial",sans-serif;color:blue;mso-ligatures:none'> </span><span style='mso-ligatures:none'><o:p></o:p></span></p><p class=MsoNormal><b><span style='font-size:10.0pt;font-family:"Arial",sans-serif;color:blue;mso-ligatures:none'>NOTICE:</span></b><span style='mso-ligatures:none'><o:p></o:p></span></p><p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial",sans-serif;color:blue;mso-ligatures:none'> </span><span style='mso-ligatures:none'><o:p></o:p></span></p><p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial",sans-serif;color:blue;mso-ligatures:none'>This electronic message contains information which may be Confidential or Privileged and constitutes an electronic communication within the meaning of the Electronic Communications Privacy Act 18 USC 2510. The information is intended to be for the use of the individual or entity named above. If you are not the intended recipient, please be aware that any disclosure, copying, distribution or use of the contents of this information is prohibited. If you received this transmission in error, please notify the sender and delete the copy you received together with any attachments. Thank you.</span><span style='mso-ligatures:none'><o:p></o:p></span></p><p class=MsoNormal><o:p> </o:p></p></div></body></html>