Page 32 - Homeowners Manual - El Dorado County

Maximum Dollar Limit of Liability shown in Schedule A.
20. You are not able to use the Land because use as a single-family
residence violates an existing State or Municipal zoning law or State
or Municipal zoning regulation.
21. You are forced to remove any portion of Your existing structures
because they encroach onto Your neighbor’s land. If the
encroaching structures are boundary walls or fences, the Amount of
Insurance for Covered Risk 21 is subject to Your Deductible Amount
and Our Maximum Dollar Limit of Liability shown in Schedule A..

22. Someone else exercises a legal right refusing to perform a contract
to purchase, lease, or make a mortgage loan on the Land because
Your neighbor’s existing structures encroach onto the Land.
23. You are forced to remove any portion of Your existing structures that
encroach onto an Easement or over a building set-back line, even if
the Easement or building set-back line is excepted in Schedule B.

24. Your existing structures are damaged because of the exercise of the
right to maintain or use any Easement affecting Your Title, even if
the Easement is excepted in Schedule B.
25. Your existing improvements (or a replacement or modification made
to them after the Date of Policy), including lawns, shrubbery, or
trees, are damaged because of the future exercise of the right to use
the surface of the Land for the extraction or development of oil, gas,
minerals, groundwater, or any other subsurface substance, even if
those rights are excepted or reserved from the description of the
Land or excepted in Schedule B.
26. Someone else tries to enforce a Discriminatory Covenant that they
claim affects Your Title.
27. A State or Municipal taxing authority assesses supplemental real
estate taxes not previously assessed against the Land for any period
before the Date of Policy because of construction or change of
ownership or use, that occurred before the Date of Policy.
28. Your neighbor builds any structures after the Date of Policy—other
than boundary walls or fences—that encroach onto the Land.
29. Your Title is unmarketable, which allows someone else to refuse to
perform a contract to purchase, lease, or make a mortgage loan on
the Land.
30. Someone else owns an interest in Your Title because a court order
invalidates a prior transfer of the Title under federal bankruptcy,
state insolvency, or similar state or federal creditors’ rights law.
31. The residence with the Property Address shown in Schedule A is
not located on the Land at the Date of Policy.
32. Any defect in or lien or encumbrance on the Title that has been
created or attached or has been filed or recorded in the Public
Records subsequent to the Date of Policy and prior to the recording
of the deed or other instrument vesting the Title in the Public
Records.
33. The map, if any, attached to this policy does not show the correct
location of the Land according to the Public Records.

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