The following are the endorsements as described in the Manual of the Title Insurance Rating Bureau of Pennsylvania, as approved by the Pennsylvania Insurance Department, effective March 1, 1995, and as amended through September 1, 2007.
WHERE THERE IS NO APPARENT VIOLATION OF RESTRICTIONS BY EXISITING
CONSTRUCTION (Revised 4/1/07) - Loan Policy Only
This endorsement insures that the restrictions have not been violated and that a future violation
thereof will not cause a forfeiture or reversion of title. The charge for this endorsement is
$50.00.
WHERE RESTRICTIONS APPEAR TO BE VIOLATED BY EXISTING CONSTRUCTION (Revised 4/1/07) -
Owners and/or Loan Policy
This endorsement insures against loss or damage (loss of income or profit excluded)
occasioned by the enforcement or attempted enforcement of said restrictions to remove the
whole or any portion of the improvements now on the premises and/or to collect money
damages in lieu thereof. The Charge for this endorsement is 10% of the applicable basic or
reissue rate with a minimum Charge of $75.00.
WHERE PROPOSED NEW CONSTRUCTION DOES NOT INDICATE THAT RESTRICTIONS WILL BE VIOLATED
(Revised 4/1/07) - Owners and/or Loan Policy
This endorsement insures that existing and/or presently contemplated construction on the
described real estate will not violate the covenants, conditions and restrictions referred
to in Schedule B of the title insurance policy. The Charge for this endorsement is 10% of
the applicable basic or reissue rate with a minimum Charge of $75.00.
WHERE PROPOSED CONSTRUCTION WILL APPARENTLY VIOLATE RESTRICTIONS (Revised 4/1/07) -
Owners and/or Loan Policy
This endorsement insures that the proposed new construction completed in strict accordance
with plans and specifications filed with the Insurer will not violate the restrictions set
forth in Schedule B of the policy, except to the extent set out on the endorsement.
Thereafter, the policy will insure against loss or damage (loss of income or profit
excluded) occasioned by the enforcement or attempted enforcement of said restrictions to
require the removal of the whole or any portion of the improvements, then on the premises
or proposed to be constructed in accordance with the said plans and specifications and/or
collect money damages in lieu thereof. The Charge for this endorsement shall be as follows:
| $10.00 | per $1,000 | for the initial | $500,000 of coverage |
| $5.00 | per $1,000 | for the next | $500,000 of coverage |
| $2.50 | per $1,000 | for the next | $1,000,000 of coverage |
| $1.25 | per $1,000 | for the excess over | $2,000,000 to $30,000,000 |
WHERE THERE IS NO APPARENT VIOLATION OF RESTRICTIONS BY EXISTING CONSTRUCTION
(Revised 4/1/07) - Owners Policy Only
This endorsement offers the same coverage to an owner or lessee as TIRBOP Endorsement
PA 100 offers to a mortgagee. The Charge for this endorsement is 10% of the applicable
basic or reissue rate with a minimum Charge of $75.00.
SURVEY EXCEPTION (Revised 4/1/07) - Loan Policy Only
This endorsement has the effect of insuring without exception for matters discoverable by
survey (except as might be specifically noted) and will further insure against loss or
damage by reason of encroachment (other than party walls), whether by the building on the
mortgaged premises encroaching upon adjacent property, or by any building on adjacent
property encroaching on the mortgaged premises. The charge for this endorsement is $50.00.
SURVEY EXCEPTION (Revised 4/1/07) - Owners Policy Only
This endorsement offers the same coverage to an owner or lessee as TIRBOP Endorsement
PA 300 offers to a mortgagee. The Charge for this endorsement is 20% of the applicable
basic or reissue rate.
MANUFACTURED HOUSING UNIT (4/1/07) - Owners Policy and/or Loan Policy
This endorsement amends the definition of "land" in the policy to include a manufactured
housing unit located on the land on the date of the policy. The Charge for this endorsement
is $50.00.
MORTGAGE MODIFICATION (4/1/07) - Loan Policy Only
This endorsement insures against loss arising from the invalidity of a lien of the insured
mortgage resulting from modification to the insured mortgage. The Charge for this
endorsement is set forth in Section 5.9 of this Manual.
VARIABLE RATE (4/1/07) - Loan Policy Only
Where required by a mortgagee, an Insurer may provide coverage under this endorsement to
insure the priority of the lien of a mortgage that can by its terms be renegotiated as to
its rate of interest. This coverage insures the priority of the lien through any number of
renegotiated interest terms. The Charge for this endorsement is $50.00.
VARIABLE RATE, NEGATIVE AMORTIZATION (4/1/07) - Loan Policy Only
Where required by a mortgagee, an Insurer may provide coverage under this endorsement to
insure the priority of the lien of a mortgage that can by its terms be renegotiated as to
its rate of interest. This coverage insures the priority of the lien through any number of
renegotiated interest terms, including negative amortization. The Charge for this
endorsement is $50.00.
CONDOMINIUM ENDORSEMENT UNDER PA UNIFORM CONDOMINIUM ACT (4/1/07) - Owner's and/or Loan
Policy
This endorsement affords multiple forms of coverage with respect to the Condominium
Regime and Documentation, when affixed to a policy in which the insured land is a
condominium unit together with its percentage interest in the common elements. The Charge
for this endorsement is $50.00.
PLANNED UNIT DEVELOPMENT (4/1/07) - Owner's and/or Loan Policy
This endorsement affords multiple forms of coverage with respect to the Planned Unit
Development Regime and Documentation, when affixed to a policy in which the insured land
is a Planned Unit Development. The Charge for this endorsement is $50.00.
ENVIRONMENTAL PROTECTION LIEN (4/1/07) - Loan Policy Only (Primarily Residential Property)
This endorsement provides coverage to a lender by insuring the lien priority of the insured
mortgage over those environmental protection liens recorded in the land records except with
respect to environmental protection liens provided for by certain statutes identified in
the endorsement. The Charge for this endorsement is $50.00.
ENVIRONMENTAL PROTECTION LIEN ENDORSEMENT (4/1/07) - Loan Policy Only (Non-Residential Property)
This endorsement provides coverage to a lender by insuring the lien priority of the insured
mortgage over those environmental protection liens recorded in the land records. The Charge
for this endorsement is $100.00. Use of this endorsement is prohibited in conjunction with
the issuance of a loan policy insuring 1-4 family residential property.
MANDATORY ADVANCE (Revised 4/1/07) - Loan Policy Only
This endorsement provides limited insurance for loan advances, such as in a construction
mortgage disbursement made subsequent to the date of the policy. Such advances must be
made pursuant to the terms of the Loan Agreement and at all times during which the "Vestee"
(person who is vested with title ownership of the land secured by the mortgage at the date
of the policy) is the owner of the property. The endorsement insures the lien priority of
such advances. The Charge for this endorsement is $50.00.
REVOLVING LINE OF CREDIT/OPEN END MORTGAGE (Revised 4/1/07) - Loan Policy Only
This endorsement provides limited insurance for mandatory loan advances made pursuant to
a mortgage that qualifies as an "Open End Mortgage" by statute. Such advances must be
made pursuant to the loan agreement and subject to the requirements of the statute and at
all times during which the "Vestee" (person who is vested with title ownership of the land
secured by the mortgage at the date of the policy) is the owner of the property. The
endorsement insures the lien priority of such advances. The Charge for this endorsement is
$50.00 when issued in connection with a policy on a 1 to 4 family residential property;
when issued in connection with other property, the Charge is 10% of the applicable basic or
reissue rate with a minimum Charge of $50.00.
OPEN END MORTGAGE/CONSTRUCTION (Revised 4/1/07) - Loan Policy Only
This endorsement provides limited insurance for construction loan advances made pursuant
to a mortgage that qualifies as an Open End Mortgage by statute. Such advances must be
made to pay toward or to provide funds to the mortgagor to pay toward all or part of the
costs of completing any erection, construction, alteration, or repair of any part of the
mortgaged premises which is the statutory requirement and made at all times during which
the mortgagor of the insured mortgage is still the owner of the estate or interest covered
by the policy. The endorsement insures the lien priority of such advances. The Charge for
this endorsement is 10% of the applicable basic or reissue rate with a minimum Charge of
$50.00.
FNMA BALLOON (Revised 4/1/07) - Loan Policy Only
This endorsement insures a lender against the invalidity or unenforceability or loss of
priority of the insured mortgage resulting from provisions which provide for a conditional
right to refinance and a change in the rate of interest as set forth in the mortgage. The
Charge for this endorsement is $50.00.
SPECIAL RISKS (RESTRICTIONS, ENCROACHMENTS, MINERALS) (4/1/07) - Loan Policy Only
This endorsement offers the lender a variety of additional affirmative coverages including,
but not limited to, insurance that there are no covenants, conditions or restrictions under
which the lien of the mortgage can be divested, subordinated or extinguished, or its
validity, priority or enforceability impaired; insurance against present violations of
covenants, conditions or restrictions; and insurance against encroachments and against
damage to existing improvements which encroach upon easement areas or damage resulting from
the right to use the surface of the land for the extraction of minerals. The Charge for
this endorsement is 10% of the applicable basic or reissue rate with a minimum Charge of
$75.00.
UNIMPROVED LAND (RESTRICTIONS, ENCROACHMENTS, MINERALS) (4/1/07) - Owner's Policy Only
This endorsement offers the Insured a variety of additional affirmative coverages including,
but not limited to, insurance that there are no present violations on the land of covenants,
conditions, restrictions or statutory setback requirements; insurance that there are no
encroachments onto the land from adjoining land; insurance that there are no notices of
environmental violation recorded; and insurance against damage to buildings constructed on
the land after the date of the policy from the exercise of the right to extract or develop
minerals. The Charge for the endorsement is 20% of the applicable basic or reissue rate
unless it is issued with TIRBOP Endorsement PA 301 in which case it will be priced at 10%
of the applicable basic or reissue rate; the minimum Charge is $75.00.
IMPROVED LAND (RESTRICTIONS, ENCROACHMENTS, MINERALS) (4/1/07) - Owner's Policy Only
This endorsement offers the Insured a variety of additional affirmative coverages including
but not limited to, insurance that there are no present violations on the land of covenants,
conditions, restrictions or statutory setback requirements; insurance that there are no
encroachments onto the land from adjoining land; insurance that there are no notices of
environmental violation recorded; and insurance against damage to existing buildings
resulting from the exercise of a right of easement or a right to extract or develop
minerals. The Charge for this endorsement is 20% of the applicable basic or reissue rate
unless it is issued with TIRBOP Endorsement PA 301 in which case it will be priced at 10%
of the applicable basic or reissue rate; the minimum Charge is $75.00.
GENERAL ENDORSEMENT (Revised 4/1/07)
This endorsement is to be used only for purposes of correcting and/or amending previously
issued policies or for granting affirmative coverage not otherwise covered by the other
endorsements set forth in this Manual.
This endorsement may not be used to provide the following coverages: Truth-in-Lending;
Zoning; Creditors Rights; Doing Business; Usury; Tie-In Interstate; or Subdivision.
ABBREVIATED FORM ENDORSEMENT(S) (Revised 4/1/07) - Loan Policy Only
This endorsement incorporates by reference nine (9) other endorsements contained in this
Manual. Each of the referenced endorsements, as requested by the lender, can be checked in
the appropriate block. The Charge for each endorsement so checked shall be made in
accordance with this Manual. There is no other Charge to be made for the use of this
endorsement.
WAIVER OF ARBITRATION (Revised 4/1/07) - Loan Policy Only
This endorsement amends the 1992 ALTA Loan Policy by deleting Paragraph 13 of the
Conditions and Stipulations Section of the policy, relating to arbitration. The Charge for
this endorsement is $100.00.
FIRST LOSS - MULTIPLE PARCEL TRANSACTIONS (Revised 4/1/07) - Loan Policy Only
This endorsement provides, under certain conditions, that the amount which the insurer shall
be liable to pay under the policy shall be determined without requiring maturity of the
indebtedness by acceleration or otherwise. The Charge for this endorsement is 10% of the
applicable basic or reissue rate with a minimum Charge of $500.00.
LEASEHOLD OWNERS (4/1/07) - Owner Policy Only
This endorsement may only be issued at the time of the issuance of the ALTA Owner's Policy
(10/17/92). The endorsement sets forth how the leasehold estate is valued for purposes of a
loss under the policy and the items covered by the issuance of the endorsement. The Charge
for the issuance of the endorsement, together with the ALTA Owner's Policy (10/17/92), is
set forth in Section 5.2 of this Manual.
LEASEHOLD LOAN (4/1/07) - Loan Policy Only
This endorsement may only be issued at the time of the issuance of the ALTA Loan Policy
(10/17/92). The endorsement sets forth how the leasehold estate is valued for purposes of
a loss under the policy and the items covered by the issuance of the endorsement. The
Charge for the issuance of the endorsement, together with the ALTA Loan Policy (10/17/92),
is set forth in Section 5.2 of this Manual.
FUTURE ADVANCE - LETTER OF CREDIT (4/1/07) - Loan Policy Only
This endorsement provides limited insurance for loan advances made pursuant to a letter of
credit, surety agreement or reimbursement agreement. The Charge for the issuance of the
endorsement shall be 10% of the applicable basic or reissue rate. Use of this endorsement
is prohibited in conjunction with the issuance of a loan policy insuring 1-4 family
residential property.
NONIMPUTATION - FULL EQUITY TRANSFER (4/1/07) - Owners Policy Only
This endorsement insures that the Insurer will not deny liability to certain incoming
parties (in a full equity transfer) as a result of the Insured having knowledge imputed to
it in partnership, corporate, or limited liability company transactions. This endorsement
may only be issued with a simultaneously issued Owners policy. The Charge for the issuance
of the endorsement shall be 20% of the applicable basic or reissue rate. Use of this
endorsement is prohibited in conjunction with the issuance of an owners policy insuring 1-4
family residential property.
NONIMPUTATION - ADDITIONAL INSURED (4/1/07) - Owners Policy Only
This endorsement insures that the Insurer will not deny liability to certain incoming
parties (additional insureds) as a result of the Insured having knowledge imputed to it in
partnership, corporate, or limited liability company transactions. This endorsement may be
issued subsequent to the issuance of the Owners policy. The Charge for the issuance of the
endorsement shall be 20% of the applicable basic or reissue rate. Use of this endorsement
is prohibited in conjunction with the issuance of an owners policy insuring 1-4 family
residential property.
NONIMPUTATION - PARTIAL EQUITY TRANSFER (4/1/07) - Owners Policy Only
This endorsement insures that the Insurer will not deny liability to certain incoming
parties (in a partial equity transfer) as a result of the Insured having knowledge imputed
to it in partnership, corporate, or limited liability company transactions. This
endorsement may only be issued with a simultaneously issued Owners policy. The Charge for
the issuance of the endorsement shall be 20% of the applicable basic or reissue rate. Use
of this endorsement is prohibited in conjunction with the issuance of an owners policy
insuring 1-4 family residential property.
MEZZANINE FINANCING (4/1/07) - Owners Policy Only
This endorsement provides certain coverages to a mezzanine lender under an Owners policy.
The Charge for the issuance of the endorsement shall be 20% of the applicable basic or
reissue rate. Use of this endorsement is prohibited in conjunction with the issuance of an
owners policy insuring 1-4 family residential property.
ACCESS AND ENTRY (4/1/07) - Loan Policy Only
This endorsement provides coverage to a lender with regard to vehicular and pedestrian
access to the insured property. The Charge for the issuance of the endorsement shall be
$100.00. Use of this endorsement is prohibited in conjunction with the issuance of a loan
policy insuring 1-4 family residential property.
ACCESS AND ENTRY (4/1/07) - Owners Policy Only
This endorsement provides coverage to an owner with regard to vehicular and pedestrian
access to the insured property. The Charge for the issuance of the endorsement shall be 10%
of the applicable basic or reissue rate. Use of this endorsement is prohibited in
conjunction with the issuance of an owners policy insuring 1-4 family residential property.
INDIRECT ACCESS AND ENTRY (4/1/07) - Loan Policy Only
This endorsement provides coverage to a lender with regard to vehicular and pedestrian
access indirectly to the insured property. The Charge for the issuance of the endorsement
shall be $250.00. Use of this endorsement is prohibited in conjunction with the issuance of
a loan policy insuring 1-4 family residential property.
INDIRECT ACCESS AND ENTRY (4/1/07) - Owner's Policy Only
This endorsement provides coverage to an owner with regard to vehicular and pedestrian
access indirectly to the insured property. The Charge for the issuance of the endorsement
shall be 10% of the applicable basic or reissue rate. Use of this endorsement is prohibited
in conjunction with the issuance of an owners policy insuring 1-4 family residential property.
FUTURE ADVANCE - REVERSE MORTGAGE (4/1/07) - Loan Policy Only
This endorsement provides coverage to a lender in conjunction with a reverse annuity
mortgage. The Charge for the issuance of the endorsement shall be $50.00.
SINGLE TAX PARCEL (4/1/07) - Owner's and/or Loan Policy
This endorsement provides coverage with regard to assessment as a single tax parcel. The
Charge for the issuance of the endorsement shall be $100.00. Use of this endorsement is
prohibited in conjunction with the issuance of owners and/or loan policies insuring 1-4
family residential property.
MULTIPLE TAX PARCEL (4/1/07) - Owner's and/or Loan Policy
This endorsement provides coverage with regard to assessment as multiple tax parcels. The
Charge for the issuance of the endorsement shall be $100.00. Use of this endorsement is
prohibited in conjunction with the issuance of owners and/or loan policies insuring 1-4
family residential property.
CONTIGUITY (4/1/07) - Owners and/or Loan Policy
This endorsement provides coverage with regard to contiguity of the insured premises. The
Charge for the issuance of the endorsement shall be $100.00. Use of this endorsement is
prohibited in conjunction with the issuance of owners and/or loan policies insuring 1-4
family residential property.
INTRASTATE AGGREGATION (4/1/07) - Loan Policy Only
This endorsement aggregates the coverage of two or more policies insuring premises in
Pennsylvania. The Charge for this endorsement is $100.00. Use of this endorsement is
prohibited in conjunction with the issuance of a loan policy insuring 1-4 family
residential property. Use of this endorsement shall also be prohibited to aggregate the
liability of any policies issued for Pennsylvania properties with properties situate
outside the Commonwealth of Pennsylvania.
SAME AS SURVEY (4/1/07) - Loan Policy Only
This endorsement insures that the land described in the policy is the same as depicted on
the survey referenced in the endorsement. The Charge for this endorsement is $100.00. Use
of this endorsement is prohibited in conjunction with the issuance of a loan policy
insuring 1-4 family residential property.
SAME AS SURVEY (4/1/07) - Owner's Policy Only
This endorsement insures that the land described in the policy is the same as depicted on
the survey referenced in the endorsement. The Charge for this endorsement is 20% of the
applicable basic or reissue rate (with a minimum charge of $100.00), unless it is issued
with TIRBOP Endorsement PA 301, in which case it will be priced as $100.00. Use of this
endorsement is prohibited in conjunction with the issuance of a loan policy insuring 1-4
family residential property.
LOCATION (4/1/07) - Loan Policy Only
This endorsement provides coverage to a lender with regard to the physical improvements of
the insured premises. The Charge for this endorsement is $100.00. Use of this endorsement
is prohibited in conjunction with the issuance of a loan policy insuring 1-4 family
residential property, and shall only be issued for land that has been improved.
MORTGAGE RELEASE (4/1/07) - Loan Policy Only
This endorsement provides assurances, in conjunction with the release of a portion of the
mortgaged lands from the lien of the insured mortgage, as to the validity and priority of
the lien of the insured mortgage on the remaining portion of the mortgaged lands not
released. The Charge for this endorsement is $250.00. Use of this endorsement is prohibited
in conjunction with the issuance of a loan policy insuring 1-4 family residential property,
and shall only be issued for land that has been improved.
CREDITORS RIGHTS (09/01/07) - Loan Policy Only
This endorsement provides coverage to a lender against loss or damage sustained by reason
of the avoidance in whole or in part, or a court order providing some other remedy, based
on the voidability of the insured estate, interest or mortgage, because of the occurrence
on or before the Date of Policy, of a fraudulent transfer or a preference under federal,
bankruptcy, state insolvency, or similar creditors' rights laws. The Charge for the
issuance of the endorsement shall be 10% of the applicable basic or reissue rate. Use of
this endorsement is prohibited in conjunction with the issuance of a loan policy insuring
1-4 family residential property.
CREDITORS RIGHTS (09/01/07) - Owner's Policy Only
This endorsement provides coverage to an owner against loss or damage sustained by reason
of the avoidance in whole or in part, or a court order providing some other remedy, based
on the voidability of the insured estate or interest, because of the occurrence on or
before the Date of Policy, of a fraudulent transfer or a preference under federal,
bankruptcy, state insolvency, or similar creditors' rights laws. The Charge for the
issuance of the endorsement shall be 20% of the applicable basic or reissue rate. Use of
this endorsement is prohibited in conjunction with the issuance of a loan policy insuring
1-4 family residential property.
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