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CALIFORNIA LAND TITLE ASSOCIATION HOMEOWNER'S POLICY (6-2-98) <br /> AMERICAN LAND TITLE ASSOCIATION HOMEOWNER'S POLICY (10-27-98) <br /> 1 <br /> EXCLUSIONS FROM COVERAGE <br /> In addition to the Exceptions in Schedule B,You are not insured against loss,costs,attorney's fees,and expenses resulting from: <br /> 1. Governmental policy power,and the existence or violation of any law or governmental regulation. <br /> This includes ordinances, laws and regulations concerning: <br /> a. building <br /> b. zoning <br /> c. land use <br /> d. improvements on the land <br /> e. land division <br /> f. environmental protection <br /> This Exclusion does not apply to violations or the enforcement of these matters if notice of the violation or enforcement appears in the Public Records at the Policy <br /> Date. <br /> This Exclusion does not limit the coverage described in Covered Risk 14, 15, 16, 17 or 24. <br /> 2. The failure of Your existing structures,or any part of them,to be constructed in accordance with applicable building codes. This Exclusion does not apply to violations <br /> of building codes if notice appears in the Public Records at the Policy Date. <br /> 3. The right to take the Land by condemning it,unless: <br /> a. a notice of exercising the right appears in the Public Rccords at the Polity Date;or <br /> b. the taking happened before the Policy Date and is binding on You if You bought the Land without knowledge of the taking <br /> 4. Risks: <br /> a. that are created,allowed,or agreed to by You,whether or not they appear in the Public Records; <br /> b. that are Know to You at the Policy Date,but not to Us,unless they appear in the Public Records at the Policy Date: <br /> c. that result in no loss to You;or <br /> d. that first occur after the Policy Date-this does not limit the coverage described in Covered Risk 7, 8.d,22,23,24 or 25. <br /> 5. Failure to pay value for Your Tide. <br /> 6. Lack of a right: <br /> a. to any land outside the area specifically described and referred to in paragraph 3 of Schedule A;and <br /> b. in streets,alleys,or waterways that touch the Land. <br /> This Exclusion does not limit the coverage described in Covered Risk I I or 18. <br /> I <br />