Pennsylvania Title Insurance Endorsement Explanation
The following are excerpts explaining some commonly used title insurance endorsements as described in the Manual of the Title Insurance Rating Bureau of Pennsylvania, as approved by the Pennsylvania Insurance Department, effective March 1, 1995, and as amended through May 1, 1998.
WHERE THERE IS NO APPARENT VIOLATION OF RESTRICTIONS BY EXISITING
CONSTRUCTION.
Loan Policy Only.
This endorsement insures that the restrictions have not been violated and that a future violation
thereof will not cause a forfeiture or reversion of title. The charge for this endorsement is
$50.00.
SURVEY EXCEPTION.
Loan Policy Only.
This endorsement has the effect of insuring without exception for matters discoverable by survey
(except as might be specifically noted) and will further insure against loss or damage by reason
of encroachment (other than party walls), whether by the building on the mortgaged premises
encroaching upon adjacent property, or by any building on adjacent property encroaching on the
mortgaged premises. The charge for this endorsement is $50.00.
Loan Policy Only.
When required by a mortgagee, an insurer may provide coverage under these endorsements to
insure the priority of the lien of a mortgage that can by its terms be renegotiated as to its rate of
interest. This coverage insures the priority of the lien through any number of renegotiated
interest terms. The charge for each of these endorsements is $50.00.
CONDOMINIUM ENDORSEMENT.
This endorsement affords multiple forms of coverage with respect to the Condominium Regime
and Documentation, when affixed to a policy in which the insured land is a condominium
together with its percentage interest in the common elements. The charge for this endorsement
is $50.00.
PLANNED UNIT DEVELOPMENT ENDORSEMENT.
This endorsement affords multiple forms of coverage with respect to the Planned Unit
Development Regime and Documentation, when affixed to a policy in which the insured land is
a Planned Unit Development. The charge or this endorsement is $50.00.
ENVIRONMENTAL PROTECTION LIEN ENDORSEMENT.
Loan Policy Only (Primarily Residential Property).
This endorsement provides coverage to a lender by insuring the lien priority of the insured
mortgage over those environmental protection liens recorded in the land records except with
respect to environmental protection liens provided for by certain statutes identified in the
endorsement. The charge for this endorsement is $50.00.
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