My Neighbors Fence in on my property
Hi Massusie,
I made a claim against my title insurance company to see if they might help
me with my fence issue.
Here's the results, now what sould I do>>
John Lewis
Dear Mr. Lewis:
As you know, this law firm and I represent your title insurer, Lawyers Title Insurance Corporation(the "Company") with respect to your claim on your policy of title insurance.
Your policy, No. 119006939062, is in full force and effect, and the Company will fulfill all of its obligations to you, its insured, under the term and provisions of that insurance contract.
Thank you for taking the time to meet me at your property on October 20,2006, and explain your situation with your neighbor which gave rise to your decision to make a claim to the Company, as well as showing me the areas in dispute between you and your neighbor to the north of you, regarding the boundary which runs east-west along the northern border of your property. Thank you also for your emails of the digital photographs of the fence and the boundary area at issue.
Based on our meeting, my inspection of the property and the photographs you took and I took, in general terms, your dispute concerns an approximately 18 inch strip of land to which you have been denied access by two fences built by your neighbor or his predecessor.
I understand the relevant facts to be as follows: Approximately one-half way toward the back or your northerly property line (going west, from the street), there is an old, rickety white lattice fence, apportion of which appears to sit on the northerly property line for approximately 10 feet and the cuts, at approximately a 45 degree, back into your neighbor's yard (in a northeast direction), ending parallel to the front (northwestern) edge of your garage. From there, within the last one and one-half(1 ½) years, your neighbor built a short (approximately 10 feet in length), six foot high wood fence running from the end of the white lattice fence on your neighbor's property, directly and perpendicular to the northwest edge of your garage. That newer fence has cut off your access to the outside north wall of your garage and the approximately 18 inches of the land on your property directly to the north of that garage wall.
In addition, you showed me an old, approximately 6 foot high wood fence, which existed when you purchased your property in 1998, that runs from the northeast (back) corner of your garage, approximately 50 feet to the eastern (back) boundary area of your backyard, slightly south of what is, apparently, your northerly boundary line. That fence also prevents your access to the northern outside wall of your garage and the northern 18 inches of your property for the length of the fence.
Thus, your claim relates to an approximately 65 foot x 18 inch strip of land from which your access is cut off by two fences; the newer one built by your current northerly neighbor (within the last 1 1/2 years) and the older one apparently built by a predecessor of that neighbor.
Addressing the specific policy provisions implicated by your claim, you purchased a California Land Title Association Standard Coverage Policy, dated April 1, 1998, which states, in its Exceptions from Coverage-Schedule B, Part 1, in pertinent part:
"This policy does not insure against loss or damage (and the Company will not pay costs, attorneys' fees or expenses) which arise by reason of:
"2. Any facts, rights, interests or claims which are not shown by the public records but which are not shown by the public records but which could be ascertained by an inspection of the land or which may be asserted by persons in possession thereof.
"3. Easements, liens, or encumbrances, or claims thereof, which are not shown by the public records.
"4 Discrepancies, conflicts in boundary lines, shortage in area, encroachments, or any other facts which a correct survey would disclose, and which are not shown by the public records."
In addition, the following matters are expressly excluded from coverage of this policy and the Company will not pay loss or damage, costs, attorneys" fees or expenses which arise by reason of:
"3. Defects, liens, encumbrances, adverse claims or other matters:
"(a) created, suffered, assumed, or agreed by the insured claimant;
"(d) attaching or created subsequent to the Date of Policy……."
Based on the foregoing provisions, and the factual discussion set forth above, it is the Company's view that your policy of title insurance does not afford you coverage for the matter you have raised regarding the encroachments by your neighbor's two fences, the newer one running to the northwest corner of your garage and the older one beginning at the northeast corner of your garage, and both of which block your access to the approximately 18 inch by approximately 65 foot strip of your property. Generally speaking, and without limitation any claim your neighbor may have or purports to have to the portion of your property at issue falls within the following exceptions from coverage portion of your policy, under Schedule B, Part 1. Under paragraph 2, there is no coverage for matters not shown by the public records but which could have been ascertained by an inspection of the land. An inspection of your property before you purchased it would have shown that the longer, back, older fence was not on the property line, but rather encroached onto your property by approximately 18 inches. Paragraph 3 states you have no coverage for easements that are not shown by the public records. There are no recorded documents reflecting an easement in favor of your neighbor to the north who owns Lot 9 (and part of Lot 8), 9136 Benedict Canyon. Further, under Paragraph 4, conflicts in boundary lines, shortages in area, encroachments, or any of the facts a correct survey would have disclosed, not shown in the public records, are not covered. No survey was obtained by you before you purchased your property and there are no public records reflecting any claim by your neighbor (or his predecessors) to any portion of your land.
In addition, under the Exclusions from Coverage portion of your policy, at Paragraph 3, your neighbor's newer fence that runs into the northwest corner of your garage, blocking your access to the strip of land, was erected while you lived on your property and after the Policy was issued. An adverse claim to your land or a portion thereof (a) created, suffered, assumed, or agreed to by you, or (d) created subsequent to the Date of Policy is not covered by your policy. You advised me the newer fence was built approximately 1 ½ years ago; i.e. after the date of your policy (April 1, 1998). In addition, because the fence was built while you lived on your property and it has been in existence for approximately 1 ½ years, it could be reasonably viewed that you "suffered, assumed or agreed to" its construction and maintenance.
By this letter, the Company is not asserting that you do not have any claim against other persons with respect to these matters. The Company is not in apposition to advise you as to whether claims against any other person do or do not exist. This Letter relates only to the claims you made to the Company under the subject policy of title insurance.