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 improvements 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 Court’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 appellant—the face amount of the policy.
1. Whether or not title insurance policies insure against defects in physical condition of land covered
1. 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 Barrows’ 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 Financial 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 Insurance ir Trust Company, 37 Cal,2d 644, 234 P.2d 625 (1951) to shed 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 ‘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.’
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 insurance company is in the business of guaranteeing the insured’s title to the extent it is affected by the public records.”
Essay Writing Service Features
Our ExperienceNo matter how complex your assignment is, we can find the right professional for your specific task. My Essay Gram is an essay writing company that hires only the smartest minds to help you with your projects. Our expertise allows us to provide students with high-quality academic writing, editing & proofreading services.
Free revision policy$10
Free bibliography & reference$8
Free title page$8
How Our Essay Writing Service Works
First, you will need to complete an order form. It's not difficult but, in case there is anything you find not to be clear, you may always call us so that we can guide you through it. On the order form, you will need to include some basic information concerning your order: subject, topic, number of pages, etc. We also encourage our clients to upload any relevant information or sources that will help.Complete the order form
Once we have all the information and instructions that we need, we select the most suitable writer for your assignment. While everything seems to be clear, the writer, who has complete knowledge of the subject, may need clarification from you. It is at that point that you would receive a call or email from us.Writer’s assignment
As soon as the writer has finished, it will be delivered both to the website and to your email address so that you will not miss it. If your deadline is close at hand, we will place a call to you to make sure that you receive the paper on time.Completing the order and download