Policy Endorsements Available in Florida
The following title policy endorsements are available in Florida pursuant to Fla. Admin. Code Rule 69O-186.005. As noted below, some of the standard ALTA endorsements have Florida-specific modifications.
| Form | Endorsement Name | Applicable Policy(ies) |
|---|---|---|
| ALTA 2 | Truth in Lending | Loan Policy |
| ALTA 4.1 | Condominium (with FL Modifications) | Owner’s & Loan Policies |
| ALTA 5.1 | Planned Unit Development (with FL Modifications) | Owner’s & Loan Policies |
| ALTA 6 | Variable Rate Mortgage | Loan Policy |
| ALTA 6.2 | Variable Rate Mortgage – Negative Amortization | Loan Policy |
| ALTA 7.1 | Manufactured Housing Unit – Conversion | Loan Policy |
| ALTA 7.2 | Manufactured Housing Unit – Conversion | Owner’s Policy |
| ALTA 8.1 | Environmental Protection Lien (with FL Modifications) | Loan Policy |
| ALTA 9 | Restrictions, Encroachments, Minerals (with FL Modifications) | Loan Policy |
| ALTA 9.1 | Restrictions, Encroachments, Minerals – Unimproved Land (with FL Modifications) | Owner’s Policy |
| ALTA 9.2 | Restrictions, Encroachments, Minerals – Improved Land (with FL Modifications) | Owner’s Policy |
| ALTA 9.3 | Restrictions, Encroachments, Minerals (with FL Modifications) | Loan Policy |
| ALTA 10 | Assignment | Loan Policy |
| ALTA 10.1 | Assignment and Date Down (with FL Modifications) | Loan Policy |
| ALTA 11 | Mortgage Modification | Loan Policy |
| ALTA11.1 | Mortgage Modification with Subordination | Loan Policy |
| ALTA 11.2 | Mortgage Modification with Additional Amount of Insurance | Loan Policy |
| ALTA 12 | Aggregation (with FL Modifications) | Loan Policy |
| ALTA 13 | Leasehold | Owner’s Policy |
| ALTA 13.1 | Leasehold | Loan Policy |
| ALTA 14 | Future Advance – Priority | Loan Policy |
| ALTA 14.2 | Future Advance – Letter of Credit (with FL Modifications) | Loan Policy |
| ALTA 14.3 | Future Advance – Reverse Mortgage (with FL Modifications) | Loan Policy |
| ALTA 23 | Co-Insurance – Single Policy | Owner’s & Loan Policies |
| ALTA 23.1 | Co-Insurance – Multiple Policies | Owner’s & Loan Policies |
| ALTA 39 | Policy Authentication | Owner’s & Loan Policies |
| RCE | Revolving Line of Credit | Loan Policy |
| NSE | Navigational Servitude | Owner’s & Loan Policies |
| SAE | Shared Appreciation | Loan Policy |
| AIE | Additional Interest | Loan Policy |
| OE | Option | Owner’s Policy |
| CPE | Change of Partners (Fairways) | Owner’s Policy |
| CE | Contiguity | Owner’s & Loan Policies |
| SE | Survey | Owner’s & Loan Policies |
| CLU | Construction-Loan Update | Loan Policy |
| FCE | Foreign Currency | Loan Policy |
| BME | Balloon Mortgage | Loan Policy |
| General | Correction of Mistakes | Owner’s & Loan Policies |
| General | Future Insurance (Continuing Liability Under Existing Policies) | Owner’s & Loan Policies |
| General | Deletion of Exceptions Which No Longer Apply | Owner’s & Loan Policies |
| General | Changes in Effective Date | Owner’s & Loan Policies |
| General | Gap Coverage | Owner’s & Loan Policies |
| General | Insurance Against Claims for Sums with Adequate Security | Owner’s & Loan Policies |
| General | Deletion of General Exceptions | Owner’s & Loan Policies |
NOTE: The following endorsements are NOT available in Florida: (1) Doing Business Endorsement, (2) Non-Imputation Endorsement, (3) Access Endorsement, (4) Location Endorsement, (5) Expanded Insured Endorsement, (6) Street Assessment Endorsement, (7) Zoning Endorsement, and (8) Usury Endorsement.
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