Surveys
Underwriting Manuals
- 1.20 Acreage And Area Content
- 2.16 Boundaries
- 2.20 Boundary Line Disputes
- 4.28 Descriptions
- 5.32 Extended Coverage
- 14.04 Overlaps
- 15.24 Party Walls
- 17.36 Residential Title Policies
- 18.40 Surveys
- 23.00 Zero Lot Line
Standard Exceptions
Bulletins
- CT000011 - Underwriting Requirements for Survey Coverage
- DC000004 - Revised Policy Regarding Deletion of Survey Exception from Lenders Title Insurance Policies on Properties in the Dist. of Columbia
- DC000012 - Revised Underwriting Policy Regarding Surveys for Transfers, Refinances and Second Trusts on Residential Properties in the District of Columbia
- FL000104 - Survey Exception Deletion; Survey Affidavit and Indemnity Agreement
- FL2011002 - 2006 ALTA Forms
- LA000001 - Extended Coverage
- MD000004 - Revised Policy Regarding Deletion of Survey Exception from Lenders Title Insurance Policies on Properties in Maryland
- MD000021 - Revised Underwriting Policy Regarding Surveys for Transfers, Refinances and Second Trusts on Residential Properties in Maryland
- MI000014 - Survey Requirements - Loan Policies
- MU000028 - Survey Requirements - Loan Policies
- MU000037 - Survey Requirements - Loan Policies
- MU2007002 - Survey Requirements - Owner's and Loan Policies [Revised 10-19-17]
- NC2011002 - Survey Coverage for Loan Policies
- NJ000036 - Survey Guidelines
- NL000006 - Indexing Title Plant Right of Way Deeds & Exceptions
- OH000003 - Standard survey exception in loan and owner's policies of title insurance
- OH2015001 - RATES AND/OR FORMS UPDATE - New Rate and Forms Approved
- SLS00307 - 2006 ALTA Forms
- TX000013 - Express Insurance: October 30, 1992
- TX2008001 - 2006 Rate hearing results Commissioner's Order 08-0187
- VA000002 - "No Survey Program" - Refinance Loans
- WY000008 - Survey Requirements for Loan Policies
Forms
- No references available.
Table of Contents
SUR
Surveys
To provide extended coverage, the Company generally requires a current survey. A current survey is typically no older than 6 months old and reflects current facts and improvements. A survey is not required (except in Kansas, Florida, Texas and New Mexico where the Company may rely on a prior survey and an affidavit) on loan policies if (1) the mortgage is a refinance on 1-4 family residential property and you secure an owner’s affidavit of facts, or (2) you issue a master or short form loan policy on 1-4 family residential property in a well established subdivision. A survey is not required on loan policies on resales on residential property up to 25 acres and commercial transactions up to $1,000,000 in some states (Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kentucky, Louisiana, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New York, North Carolina, North Dakota, Ohio, Oklahoma, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Utah, Virginia, West Virginia, Wisconsin, Wyoming). All discrepancies, encroachments, conflicts and matters evidencing possible easements should be excepted if the standard (easement and survey) exceptions are deleted and extended coverage is provided. In accordance with local practice, affirmative coverage or endorsement coverage (e.g., ALTA Form 9, CLTA Form 100, Pennsylvania 300) may then be given if the matters are relatively minor.
Requirements
SURR01
STG
10/19/2011
V
3
Affidavit that Survey is Still Correct
The Company requires for its review a satisfactory affidavit executed by the owner of the land stating that there have been no improvements on the land (including fences or other structures) since the date of the prior survey. If the survey reveals any encroachments, overlaps, boundary line disputes, or other adverse matters, they may appear as exceptions in the Policy.
Comment: If the Company is willing to rely upon an older survey (over 6 months old) under the circumstances, it requires an affidavit that the survey remains accurate and an inspection if the land is commercial.
Comment: If the Company is willing to rely upon an older survey (over 6 months old) under the circumstances, it requires an affidavit that the survey remains accurate and an inspection if the land is commercial.
See Underwriting Manual
SURR02
STG
10/19/2011
V
3
Update Prior Survey
The Company requires that the survey dated ____________ by __________ be updated and recertified. After review of the updated survey, the Company may make additional requirements or exceptions.
Comment: If the furnished survey is not current or a policy with extended coverage is downdated, the Company generally require an update of that survey.
Comment: If the furnished survey is not current or a policy with extended coverage is downdated, the Company generally require an update of that survey.
See Underwriting Manual
SURR03
STG
10/19/2011
V
3
Inspection is Required
The Company requires an inspection of the land. Upon its completion, the Company may make additional requirements and exceptions.
Comment: If the Company is willing to provide extended coverage (as to survey and easement matters) without a survey or is willing to downdate extended coverage without a survey, it will generally require an inspection of the land. The Company requires neither an inspection nor a survey in some cases. A survey is not required (except in Kansas, Florida, Texas and New Mexico where the Company may rely on a prior survey and an affidavit) on loan policies if (1) the mortgage is a refinance of 1-4 family residential property and you secure an owner’s affidavit of facts, or (2) you issue a master or short form loan policy on 1-4 family residential property in a well established subdivision. A survey is not required on loan policies on resales on residential property up to 25 acres and commercial transactions up to $1,000,000 in some states (Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kentucky, Louisiana, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New York, North Carolina, North Dakota, Ohio, Oklahoma, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Utah, Virginia, West Virginia, Wisconsin, Wyoming).
Note: You may add additional local requirements here. Please consult with our underwriting personnel in preparing appropriate provisions.
Comment: If the Company is willing to provide extended coverage (as to survey and easement matters) without a survey or is willing to downdate extended coverage without a survey, it will generally require an inspection of the land. The Company requires neither an inspection nor a survey in some cases. A survey is not required (except in Kansas, Florida, Texas and New Mexico where the Company may rely on a prior survey and an affidavit) on loan policies if (1) the mortgage is a refinance of 1-4 family residential property and you secure an owner’s affidavit of facts, or (2) you issue a master or short form loan policy on 1-4 family residential property in a well established subdivision. A survey is not required on loan policies on resales on residential property up to 25 acres and commercial transactions up to $1,000,000 in some states (Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kentucky, Louisiana, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New York, North Carolina, North Dakota, Ohio, Oklahoma, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Utah, Virginia, West Virginia, Wisconsin, Wyoming).
Note: You may add additional local requirements here. Please consult with our underwriting personnel in preparing appropriate provisions.
See Underwriting Manual
Exceptions
SURX01
ALTA
10/19/2011
V
3
Facts Disclosed by Survey
Any rights, easements, interests or claims that may exist by reason of or reflected by the following facts shown on the survey dated ____________________ by ________________.
Comment: If the survey or inspection shows conflicts, encroachments or evidence of easements, you should except to those matters. In appropriate cases in accordance with local custom, you may provide affirmative insurance or endorsement coverage as to such matters.
Comment: If the survey or inspection shows conflicts, encroachments or evidence of easements, you should except to those matters. In appropriate cases in accordance with local custom, you may provide affirmative insurance or endorsement coverage as to such matters.
SURX02
ALTA
10/19/2011
V
3
Facts Disclosed by Inspection
Any rights, easements, interests or claims that may exist by reason of or reflected by the following facts: ___________________________________________________.
Comment: If the survey or inspection shows conflicts, encroachments or evidence of easements, you should except to those matters. In appropriate cases in accordance with local custom, you may provide affirmative insurance or endorsement coverage as to such matters.
Comment: If the survey or inspection shows conflicts, encroachments or evidence of easements, you should except to those matters. In appropriate cases in accordance with local custom, you may provide affirmative insurance or endorsement coverage as to such matters.
SURX03
ALTA
10/19/2011
V
3
Survey Matters After Stated Date
Any encroachment, encumbrance, violation, variation, or adverse circumstance that would be disclosed by an inspection or an accurate and complete land survey of the Land arising subsequent to _________________.
Comment: If you downdate a prior policy which does not contain a survey exception, you should add this exception unless you secure an update of the survey or unless you confirm by inspection that no changes or improvements were later added.
Comment: If you downdate a prior policy which does not contain a survey exception, you should add this exception unless you secure an update of the survey or unless you confirm by inspection that no changes or improvements were later added.