The additional coverage offered by an ALTA policy includes which of the following?

• A. Matters disclosed by a physical inspection of the premises not previously disclosed by public record
• B. Matters disclosed by inquiry of the occupants of the property, which might disclose off-record matters
• C. Matters disclosed by a current survey
• D. All of these

Answer: (D)

The added protection in an ALTA title policy covers issues that surface through sources other than public records, such as what’s found by looking at the property, talking to people connected to it, or examining a current survey. Because each of these sources can reveal encroachments, easements, or other title concerns that public records don’t show, all of them are included under the additional coverage.

Matters disclosed by a physical inspection show issues not yet on the public record, such as physical conditions or encroachments that an observer notes during inspection. Matters disclosed by inquiry of occupants can uncover off-record information—things residents or tenants know or admit that aren’t recorded. Matters disclosed by a current survey highlight boundary lines, encroachments, or surveying discrepancies that a survey reveals.

Together, these sources illustrate why the ALTA policy’s additional coverage can protect against a wider range of issues, making all of these items covered.