Page 30 - Homeowners Manual - Santa Clara County

19� You are forced to remove or remedy your existing structures, or
any part of them, because they violate an existing zoning law or
zoning regulation� If you are required to remedy any portion of your
existing structures, the amount of your insurance for this covered
risk is subject to your deductible amount and our maximum dollar
limit of liability shown in Schedule A�
20� You cannot use the land because use as a single-family residence
violates an existing zoning law or zoning regulation�
21� You are forced to remove your existing structures because they
encroach onto your neighbor’s land� If the encroaching structures
are boundary walls or fences, the amount of your insurance for
this covered risk is subject to your deductible amount and our
maximum dollar limit of liability shown in Schedule A�
22� Someone else has a legal right to, and does, refuse to perform a
contract to purchase the land, lease it or make a mortgage loan on
it because your neighbor’s existing structures encroach onto the
land�
23� You are forced to remove your existing structures which 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
a right to maintain or use any easement affecting the land, even if
the easement is excepted in Schedule B�
25� Your existing improvements (or a replacement or modification
made to them after the policy date), including lawns, shrubbery
or trees, are damaged because of the future exercise of a right to
use the surface of the land for the extraction or development of
minerals, water or any other 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, condition
or restriction that they claim affects your title which is based upon
race, color, religion, sex, handicap, familial status, or national
origin�

27� A taxing authority assesses supplemental real estate taxes not
previously assessed against the land for any period before the
policy date because of construction or a change of ownership or
use that occurred before the policy date�
28� Your neighbor builds any structures after the policy date — other
than boundary walls or fences — which encroach onto the land�
29� Your title is unmarketable, which allows someone else to refuse
to perform a contract to purchase the land, lease it or make a
mortgage loan on it�
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 creditors’ rights laws�

31� The residence with the address shown in Schedule A is not
located on the land at the policy date�

32� 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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