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> K> 0 {> , C y C C o > > {> C , 5 : Agenda Item: 2012- 59 (Amended)
Submitted by: Jim Gosdin and John Rothermel
On Behalf of: Stewart Title Guaranty Company
Address: 1980 Post Oak Blvd., Suite 710
Houston, Texas 77056
Telephone No.: (713) 625-8228
______________________________________________________________________
Stewart Title Guaranty Company petitions the Commissioner of Insurance to adopt the following Endorsement (T-23.1), Utility Access Endorsement:
Form T-23.1
UTILITY ACCESS ENDORSEMENT
Attached to Policy No. __________
Issued by
BLANK TITLE INSURANCE COMPANY
The Company insures against actual loss or damage sustained by the Insured by reason of the lack of a right of access as of the Policy Date to the following utilities or services: [CHECK ALL THAT APPLY]
( Water service( Natural gas service ( Telephone and/or cable service( Electrical power service( Sanitary sewer ( Storm water drainageeither over, under or upon rights-of-way or easements for the benefit of the Land because of:
(1) a gap or gore between the boundaries of the Land and the rights-of-way or easements;
(2) a gap between the boundaries of the rights-of-way or easements ; or
(3) a termination by a grantor, or its successor, of the rights-of-way or easements.
This endorsement is issued as part of the policy. Except as it expressly states, it does not (i) modify any of the terms and provisions of the policy, (ii) modify any prior endorsements, (iii) extend the Date of Policy, or (iv) increase the Amount of Insurance. To the extent a provision of the policy or a previous endorsement is inconsistent with an express provision of this endorsement, this endorsement controls. Otherwise, this endorsement is subject to all of the terms and provisions of the policy and of any prior endorsements.
[Witness clause optional]
BLANK TITLE INSURANCE COMPANY
By: _______________________________________
Authorized Signatory
Form T-23.1
_______________________________________________________
Justification:
Owners and Lenders are rightfully concerned whether buildings have access to utilities as without utilities the buildings have a greatly diminished value. This endorsement provides coverage if such buildings do not have actual access to the utility services listed and checked in the endorsement. It is new title insurance coverage because under current forms and rules title companies simply take exception to easements rather than provide title insurance coverage for the affirmative existence of particular utility service. The endorsement does not insure that there is an actual service line, only that an easement for such service exists or is not prohibited.
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