Page 6 - Guide to Title Insurance Policy Endorsement

With the significant expansion of the policy coverage under an extended coverage policy over
a standard coverage policy it is logical that endorsements that may add further coverage to an
extended coverage policy are not appropriate with a standard coverage policy. Likewise
endorsements which may add coverage to a standard coverage policy may not be necessary
with an extended coverage policy as the desired coverage may exist by reason of the absence
of the standard exceptions in the policy.

Endorsements are individually named and can be referred to by their particular title or purpose.
However, endorsements are most commonly and more accurately identified by reference to the
endorsement form number assigned by the originating and/or adopting title association.

ALTA and CLTA both employ their own numbering sequence for endorsements. Since CLTA
has, with one exception, adopted all of the ALTA endorsement forms, this Guide will list
endorsement forms primarily under the CLTA form designation number with a cross reference
to the ALTA number.

CLTA employs a three digit numbering system beginning with “100”. Endorsements with a
common purpose or subject matter are generally numbered within the series using a sub
number, typically beginning with “.1”. Endorsements which employ a “-06” are specifically
designed to be issued with the ALTA Owners Policy (2006) and/or ALTA Loan Policy (2006).

For example, the CLTA 100 series encompasses endorsements that by and large provide
assurance in respect to covenants, conditions and restrictions (CC&R’s). The first
endorsement in the 100 series is the “100-06”. The second endorsement is the “100.1” and the
third is the “100.2-06”. Of these three sample endorsements we know that the 100-06 and the
100.2-06 are for use only with an ALTA 2006 Policy, in this case an ALTA Loan Policy
(2006), whereas the 100.1 because of the absence of the “-06” is intended for use with the
CLTA Standard Coverage Policy.

Revised December 29, 2016 5