Escrow & Title

An 'ALTA extended coverage' title insurance policy (as opposed to a standard coverage policy) provides additional protection against:

AClaims that appear in the public record but were missed
BOff-record risks such as survey matters, unrecorded easements, parties in possession, and certain mechanic's lien claims that would be discovered by a survey or inspection✓ Correct
CTitle defects created after the policy date
DClaims made by the seller after closing

Explanation

ALTA extended coverage policies protect against off-record risks that wouldn't appear in a public records search—survey/boundary issues, rights of parties in possession (like adverse possessors), unrecorded easements, and certain mechanic's liens. Standard coverage policies only cover public record risks.

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