The current homeowners purchased their property eight months ago. The homeowners association notifies them that their seconds story room addition, built by the former owner is in direct violation of the CC&R’s and must be removed. The homeowners association also informs them that the orange ca-sitas roof tile installed prior to purchase violates the restrictions in the CC&R’s and must be changed. The homeowners contact the agent inquiring why they didn’t go over the CC&R’s prior to closing. Under the ALTA Residential Policy, without the added protection, the title company denies the claim on its policy.

However, the Added Protection Provides Coverage

The current homeowners are in escrow to finance the property. The preliminary report shows a sec-ond deed of trust on the property. The homeowners claim they never executed a second deed of thrust and request a copy of the signed document. To their dismay, their names are forged on the trust deed. Under the ALTA Residential Policy, without the added protection, the title company denies the claim on its policy.

However, the Added Protection Provides Coverage

The current homeowners ask their next door neighbor to stop building a patio cover which is encroaching onto their property. The neighbor continues building the cover. Under the ALTA Residential Policy, without the added protection, the title company denies the claim on it’s policy.

However, the Added Protection Provides Coverage