Escrow & Title
In Washington, the ALTA homeowner's policy of title insurance (ALTA Homeowner's Policy) provides extended coverage including protection against:
AFuture encumbrances and defects arising after the policy effective date
BPre-closing matters such as unrecorded easements, neighbor encroachments, and post-policy forced removal of structures✓ Correct
CEnvironmental contamination discovered after closing
DPhysical damage to the structure
Explanation
The ALTA Homeowner's Policy provides enhanced coverage for residential buyers, including protection against post-policy forced removal of structures due to pre-existing violations, unrecorded easements revealed by survey, and boundary/encroachment issues.
Related Washington Escrow & Title Questions
- A Washington property has two liens: a first deed of trust for $300,000 and a second for $80,000. The property sells at foreclosure for $350,000. The second lienholder receives:
- Washington's Deed of Trust Act gives a borrower how many days after the trustee's sale to assert any claims against the trustee or lender for procedural violations?
- In Washington, a 'foreclosure mediation' program allows defaulting borrowers to:
- A Washington buyer learns at closing that the property has an unresolved mechanic's lien from a contractor the seller hired. The correct resolution is:
- A Washington seller sells their home without a real estate agent. At closing, the seller discovers there is an old unpaid judgment lien against the property. The title company will:
- A Washington property's chain of title refers to:
- A Washington property is subject to a lien priority dispute. Generally, lien priority is determined by:
- After a Washington trustee's sale (non-judicial foreclosure), the title passes to the highest bidder. What document evidences the transfer?
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