Real Estate Basics – Title Commitment Endorsements

The ALTA Endorsement 3.1-06, Zoning-Completed Structure, is designed for improved property and insures the zoning classification and authorized uses under that classification. This endorsement also insures against a final court order prohibiting the present structure, and requiring removal or alteration of the present structure, because of violation of the zoning ordinance as to area, width or depth of the land as a building site, floor space area of the structure, setback of the structure, height of the structure, or number of parking spaces. The underwriting requirements generally include those required for ALTA 3-06, as well as evidence of issuance of an occupancy permit in the case of recent construction.