Title Insurance Success Stories
Property Extends Onto Adjoining Land - Harvey's Garage
Harvey was a happy new homeowner who delighted in his hobby, that is, his Harley Davidson
Motorcycle. Harvey would never think to leave his Harley out of the garage and exposed to
the elements. That was exactly the threat he had to face not three months after moving into
his new home. It seems that some years ago, through inadvertence, a prior owner of the property
built the garage two feet over onto their neighbor's land.
One early morning Harvey's neighbor woke up to the possibility that the garage was over the
property line as he thrilled to the thunderous sound of the Harley being taken out for a spin
by Harvey. The next day the neighbor, Jack, contacted his surveyor.
Harvey was in a sorry state until he searched through his closing records and found his
title policy. Fortunately, the threat of a forced removal of Harvey's garage because it
extended onto adjoining land was a covered title risk in Harvey's title policy.
Both Harvey and Jack wanted to be good neighbors, but a solution was necessary. Jack contacted
his lawyer who drafted a lawsuit seeking to require Harvey to remove his garage from Jack's
land. The title insurer was notified and the insurer suggested a mediation of the dispute to
spare everyone frustration and expense. Fortunately, the mediator structured a reasonable
settlement which required a fair amount of sound proofing material in the garage and a
cooperative neighborly respect between both Harvey and Jack. The garage was allowed to stand
on its original foundation, sound proofing was added at the title insurer's expense and a lot
line adjustment was worked out, also at the insurer's expense. Harvey and Jack now could live
next to one another without controversy, thanks to Harvey's title insurer.