1975, April, Pg. 674. New Title Insurance Procedures.
4 Colo.Law. 674
Colorado Lawyer
1975.
1975, April, Pg. 674.
New Title Insurance Procedures
674Vol. 4, No. 4, Pg. 674New Title Insurance ProceduresEffective about May 1, 1975, title insurance companies operating in Colorado will issue commitments, policies, and endorsements in forms approved by the Insurance Commissioner.
Forms not filed and approved by the state agency seem to be in violation of existing regulations. Deviating forms must be approved prior to use. Title insurance underwriters are responsible for informing all branches and agents and for seeing that they comply. Of particular interest to everyone concerned with real estate is the regulation that affirmative protection language cannot be used in Schedule B of policies. Affirmative protection must be given by endorsement in a form approved by the Insurance Division.
Granting or not granting the affirmative protection is an underwriting decision that must be made by each company, but when endorsements granting the protection are given a consistent and uniform charge must be made. Endorsements are numbered in series according to a Rating Bureau filing and all companies will use the same numbering system and wording on the forms. Following are the general classes of endorsements by series of numbers that have been approved for use together with a general comment on their area of use.
Numbers:100 through 100.31-Covenants, conditions and restrictions, encroachments and easements.101 through 101.1-Mechanic's lien protection.102.4 and 102.5-Foundations of structures under construction being properly located.103.1 through 103.7-Right of entry by easement or abutment upon and open...
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