Our case studies offer examples where an Insurance policy has helped a client to achieve their objectives despite facing compromising situations.
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It's not very often that the perpetrators of a fraud take the precaution of protecting the affected parties from the financial risk of said fraud. Surely, this must be a first, in fact. However, that is exactly what has happened in the first claim against First Title's Home Owners' Protection Policy (HOPP).
Access to a development of a single high end property was to be via 2 garages which were to be demolished as part of a development plan. The Objector purchased the beneficial interest of the garage forecourt and raised a group claim against the Insured developer for increased use and lack of access.
A Lord of the Manor claimed ownership of an accessway to the Insured's development for which a title insurance policy had been obtained.
The rear boundary of the property was clearly marked by a fence. The seller of the property stated that the boundary fence had been in its current position for many years, but in 1999 their neighbours had asserted that a triangular piece of land within the rear boundary was theirs although matters had not been taken any further and so the policy was obtained from First Title to cover any subsequent issues.
The local search revealed a planning consent for an extension and the purchasing solicitors had therefore requested the accompanying building regulation sign off. The seller advised that the extension in question had never been built and that the structure of the Property was original and instead of an extension they had simply undertaken renovations (which did not require planning consent).