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<p class="MsoNormal"><span style="font-family:"Times New Roman",serif;color:#002060">Thanks, Greg.
<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Times New Roman",serif;color:#002060"><o:p> </o:p></span></p>
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<p class="MsoNormal"><b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D">The Law Office of G. Michael Zeno, Jr., P.S.</span></b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:black"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D">T: (425) 947-8050 F: (425) 947-8052</span><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:black"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D">135 Lake Street S., Suite 257</span><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:black"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D">Kirkland, WA 98033</span><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:black"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D"> </span><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:black"><o:p></o:p></span></p>
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<p class="MsoNormal"><b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#C00000">IRS Circular 230 Disclaimer:</span></b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:gray"> Any tax advice provided in this communication
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<p class="MsoNormal"><b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">From:</span></b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"> wsbarp-bounces@lists.wsbarppt.com <wsbarp-bounces@lists.wsbarppt.com>
<b>On Behalf Of </b>Gregory L. Ursich<br>
<b>Sent:</b> Wednesday, September 30, 2026 2:04 PM<br>
<b>To:</b> WSBA Real Property Listserv <wsbarp@lists.wsbarppt.com><br>
<b>Subject:</b> Re: [WSBARP] Coverage for LLC<o:p></o:p></span></p>
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<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal"><a name="_Hlk84576999"></a><a name="_Hlk84576711"><span style="mso-bookmark:_Hlk84576999"><span style="font-size:11.0pt">Also, almost every title insurer, if asked prior to the transfer, will issue an endorsement naming the LLC as an insured
under the title policy and they will ask to review the LLC documents and the proposed deed of transfer.
<o:p></o:p></span></span></a></p>
<p class="MsoNormal"><span style="mso-bookmark:_Hlk84576711"><span style="mso-bookmark:_Hlk84576999"><span style="font-size:11.0pt"><o:p> </o:p></span></span></span></p>
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Description automatically generated"></span></span></span><span style="mso-bookmark:_Hlk84576711"><span style="mso-bookmark:_Hlk84576999"><span style="font-size:11.0pt"><o:p></o:p></span></span></span></p>
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<p class="MsoNormal"><span style="mso-bookmark:_Hlk84576711"><span style="mso-bookmark:_Hlk84576999"><b><span style="font-size:10.0pt;color:black">Gregory L. Ursich | Shareholder<o:p></o:p></span></b></span></span></p>
<p class="MsoNormal"><span style="mso-bookmark:_Hlk84576711"><span style="mso-bookmark:_Hlk84576999"><span style="font-size:9.0pt;color:black">Skyline Tower, Suite 1500 | 10900 NE 4th Street | Bellevue, WA 98004<o:p></o:p></span></span></span></p>
<p class="MsoNormal"><span style="mso-bookmark:_Hlk84576711"><span style="mso-bookmark:_Hlk84576999"><span style="font-size:9.0pt;color:black">P: 425.450.4258 | F: 425.635.7720<o:p></o:p></span></span></span></p>
<p class="MsoNormal"><span style="mso-bookmark:_Hlk84576711"><span style="mso-bookmark:_Hlk84576999"></span></span><a href="mailto:http://www.insleebest.com/uploads/vcards/gursich.vcf"><span style="mso-bookmark:_Hlk84576711"><span style="mso-bookmark:_Hlk84576999"><span style="font-size:9.0pt;color:#0563C1">vCard</span></span></span><span style="mso-bookmark:_Hlk84576711"><span style="mso-bookmark:_Hlk84576999"></span></span></a><span style="mso-bookmark:_Hlk84576711"><span style="mso-bookmark:_Hlk84576999"><span style="font-size:9.0pt;color:black">
| </span></span></span><a href="mailto:www.insleebest.com"><span style="mso-bookmark:_Hlk84576711"><span style="mso-bookmark:_Hlk84576999"><span style="font-size:9.0pt;color:#0563C1">website</span></span></span><span style="mso-bookmark:_Hlk84576711"><span style="mso-bookmark:_Hlk84576999"></span></span></a><span style="mso-bookmark:_Hlk84576711"><span style="mso-bookmark:_Hlk84576999"><span style="font-size:9.0pt;color:black">
| </span></span></span><a href="mailto:gursich@insleebest.com"><span style="mso-bookmark:_Hlk84576711"><span style="mso-bookmark:_Hlk84576999"><span style="font-size:9.0pt;color:#0563C1">gursich@insleebest.com</span></span></span><span style="mso-bookmark:_Hlk84576711"><span style="mso-bookmark:_Hlk84576999"></span></span></a><span style="mso-bookmark:_Hlk84576711"><span style="mso-bookmark:_Hlk84576999"><span style="font-size:9.0pt;color:black"><o:p></o:p></span></span></span></p>
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<p class="MsoNormal"><span style="mso-bookmark:_Hlk84576711"><span style="mso-bookmark:_Hlk84576999"><span style="font-size:5.0pt;color:white"><o:p> </o:p></span></span></span></p>
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<p class="MsoNormal"><span style="mso-bookmark:_Hlk84576999"><span style="font-size:10.0pt;color:black">This electronic mail transmission is privileged and confidential and is intended only for the review of the party to whom it is addressed. If you have received
this transmission in error, please immediately return it to the sender. Unintended transmission shall not constitute waiver of the attorney-client or any other privilege.</span></span><span style="font-size:10.0pt;color:black"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt"><o:p> </o:p></span></p>
<div style="border:none;border-top:solid #E1E1E1 1.0pt;padding:3.0pt 0in 0in 0in">
<p class="MsoNormal"><b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">From:</span></b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">
<a href="mailto:wsbarp-bounces@lists.wsbarppt.com">wsbarp-bounces@lists.wsbarppt.com</a> <<a href="mailto:wsbarp-bounces@lists.wsbarppt.com">wsbarp-bounces@lists.wsbarppt.com</a>>
<b>On Behalf Of </b>Chris B<br>
<b>Sent:</b> Wednesday, September 30, 2026 12:50 PM<br>
<b>To:</b> <a href="mailto:wsbarp@lists.wsbarppt.com">wsbarp@lists.wsbarppt.com</a><br>
<b>Cc:</b> <a href="mailto:wsbarp@lists.wsbarppt.com">wsbarp@lists.wsbarppt.com</a><br>
<b>Subject:</b> Re: [WSBARP] Coverage for LLC<o:p></o:p></span></p>
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<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal">We always do transfers to LLCs via SWD specifically to retain title insurance policy claims.
<o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal">Christopher T. Benis <o:p></o:p></p>
<p class="MsoNormal">Sent from my iPad<o:p></o:p></p>
<p class="MsoNormal" style="margin-bottom:12.0pt"><o:p> </o:p></p>
<blockquote style="margin-top:5.0pt;margin-bottom:5.0pt">
<p class="MsoNormal" style="margin-bottom:12.0pt">On Sep 30, 2026, at 12:37<span style="font-family:"Arial",sans-serif"> </span>PM, Mike Zeno <<a href="mailto:mikez@zenolawfirm.com">mikez@zenolawfirm.com</a>> wrote:<o:p></o:p></p>
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<p class="MsoNormal"><span style="font-family:"Tahoma",sans-serif"></span> <o:p>
</o:p></p>
<p class="MsoNormal"><span style="font-family:"Times New Roman",serif;color:#002060">I’ve heard from time to time that if an insured natural person transfers to an LLC, the LLC will be an insured under the policy. Can anyone explain why this is so?</span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-family:"Times New Roman",serif;color:#002060"> </span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-family:"Times New Roman",serif;color:#002060">I realize it depends on the policy. But under the ALTA Homeowners Policy (2021), I’m having a hard time finding anything that provides that sort of coverage, at least explicitly.
I’ve looked at “Continuation of Coverage,” which extends coverage to breach of warranty claims against the insured. But often the transfer into the LLC is by quit claim deed, which creates an obstacle to the warranty claim (though there are arguments to the
contrary that might work). In any case I’m looking for another basis for LLC coverage. The definition of the insured (“You”) doesn’t seem to help.</span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-family:"Times New Roman",serif;color:#002060"> </span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-family:"Times New Roman",serif;color:#002060">Any thoughts?
</span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-family:"Times New Roman",serif;color:#002060"> </span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-family:"Times New Roman",serif;color:#002060">Mike</span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-family:"Times New Roman",serif;color:#002060"> </span><o:p></o:p></p>
<div id="divtagdefaultwrapper">
<p class="MsoNormal"><b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D">The Law Office of G. Michael Zeno, Jr., P.S.</span></b><o:p></o:p></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D">T: (425) 947-8050 F: (425) 947-8052</span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D">135 Lake Street S., Suite 257</span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D">Kirkland, WA 98033</span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D"> </span><o:p></o:p></p>
<p class="MsoNormal"><b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#C00000">Confidential/Privileged Communication:</span></b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:gray"> This email and any attachments
are confidential, privileged and intended only for the intended recipient(s). Unauthorized disclosure, copying, distribution or use of this email is prohibited. If you received this email in error, please notify me immediately so we can arrange for the message
and documents to be returned and deleted. Thank you.</span><o:p></o:p></p>
<p class="MsoNormal"><b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#C00000">IRS Circular 230 Disclaimer:</span></b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:gray"> Any tax advice provided in this communication
(including attachments) is not intended or written to be used, and it cannot be used, by the recipient or any other taxpayer (i) for the purpose of avoiding penalties that may be imposed on the recipient or any other taxpayer, or (ii) in promoting, marketing
or recommending to another party a partnership or other entity, investment plan, arrangement or other transaction. You should seek advice based on your particular circumstances from an independent tax advisor.</span><o:p></o:p></p>
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