Title & Trust Company of Florida v. Barrows
381 So. 2d 108S
Through a realtor, Barrows purchased for $12,500. Along with the lot they also obtained title insurance coverage from Title & Trust Company of Florida which policy covers:
“Any defect in or lien or encumbrance on the title to the estate or title covered hereby… or a lack of aright of access to and from the land;…-.”
The lot was surrounded on three sides by three parcels of land all of which is part of a beach subdivision and the fourth side is bordered by Viejo Street, the right-of-way for which has been dedicated to and accepted by St. Johns County. When appellees began plans for building on their lot the realtor represented to them that the county would build a road in the right-of-way along Viejo Street, However, no street improveÂments in the dedicated right-of-way was done, nor did St. Johns County have plans for making any improvements. The “road” is merely a continuation of a sandy beach. A year after, they had the lot surveyed and discovered that their lot, along with the Viejo Street right-of-way is covered by high tide water during the spring and fall of each year. Barrows filed a complaint based on the lack of right of access founded on the impassable condition of the platted street.
Lower Courtâ€™s Decision:
The trial court found that the Barrows did not have access to their property and entitled them to recover from Title & Trust Company of Florida $12,500 from appellantâ€”the face amount of the policy.
1.Â Â Â Â Â Whether or not title insurance policies insure against defects in physical condition of land covered
1.Â Â Â Â Â No. The Supreme Court held that there is no dispute that the public record shows that the platted Viejo Street gives a legal right of access to Barrowsâ€™ property and the title insurance policy only insured against record title defects and not against physical infirmities of the platted street.
The Supreme Court in deciding the case of Title & Trust Company of Florida v. Barrows reviewed decisions of different state supreme courts on similar cases. It cited the decision of the Supreme Court of North Carolina in Marriott FiÂnancial Services, Inc. v. Capitol Funds, Inc., 288 N.C. 122, 217 S.E.2d 551 (1975) which held that “right of access” means the right to go to and from the public right-of-way without unreasonable restrictions.
Also, the Supreme Court found the case of Hocking v. Title InÂsurance ir Trust Company, 37 Cal,2d 644, 234 P.2d 625 (1951) to shedÂ light on the present controversy, in that case the court ruled that the plaintiff failed to state a cause of action in a suit brought under her title policy and said that â€˜if the she (plaintiff) has been damaged by false representations in respect to the condition and value of the land her remedy would seem to be against other than the insurers of the title she acquired.â€™
The court also found as controlling, the decision of its sister court of the Second District in McDaniel v. Lawyers’ Title Guaranty Fund, 327 So.2d 852 (Fla. 2 D.C.A.1976) which held that
“The man on the street buys a title insurance policy to insure against defects in the record title. The title inÂsurance company is in the business of guaranteeing the insured’s title to the extent it is affected by the public records.”
We value our customers and so we ensure that what we do is 100% original..
With us you are guaranteed of quality work done by our qualified experts.Your information and everything that you do with us is kept completely confidential.
You have to be 100% sure of the quality of your product to give a money-back guarantee. This describes us perfectly. Make sure that this guarantee is totally transparent.Read more
The Product ordered is guaranteed to be original. Orders are checked by the most advanced anti-plagiarism software in the market to assure that the Product is 100% original. The Company has a zero tolerance policy for plagiarism.Read more
The Free Revision policy is a courtesy service that the Company provides to help ensure Customer’s total satisfaction with the completed Order. To receive free revision the Company requires that the Customer provide the request within fourteen (14) days from the first completion date and within a period of thirty (30) days for dissertations.Read more
The Company is committed to protect the privacy of the Customer and it will never resell or share any of Customer’s personal information, including credit card data, with any third party. All the online transactions are processed through the secure and reliable online payment systems.Read more
By placing an order with us, you agree to the service we provide. We will endear to do all that it takes to deliver a comprehensive paper as per your requirements. We also count on your cooperation to ensure that we deliver on this mandate.Read more