Endorsements: Form 2116-06 Instructions

NOTES:

Coverage: This endorsement provides additional coverage for policies insuring access by an easement for ingress and egress on Schedule A. The endorsement insures the following:

1. It identifies the public road that the easement abuts and provides access to;

2. It assures that there is actual vehicular and pedestrian access;

3. It assures that the street is physically open and maintained; and

4. That there are existing curb cuts or entries to the road, with permission for the same.

Procedure: This endorsement may be issued on Owner’s and Loan policies. To issue this endorsement, take the following steps:

1. Obtain a survey of the land wherein the surveyor depicted the insured benefitted parcel of land, the access easement and the public road.

2. Review the survey to see that the access easement abuts both the benefitted parcel of land and the public road.

3. Verify that there is a physical road in place on the access easement parcel, a minimum of 8’ wide.

4. Verify that there is a curb cut between the access easement and the public road.

5. Review public records and information to confirm the road is a public road and maintained by the public.

6. If the road is a state highway, confirm there is a state DOT permission for the curb cut, or access point.

7. Verify that the easement is insurable, pursuant to our underwriting guidelines for easements.

Questions? Contact an underwriter.