Ensuring Title Insurance with Direct Access to Public Road

Lender title insurance policies typically include an access endorsement — coverage confirming that the project has direct legal access to a public road. Without confirmed access, the title company cannot issue the endorsement, and the lender will not fund.

On this project, the access route was ambiguous. The project had what appeared to be physical access, but the legal basis for that access had not been clearly established — creating a title issue that needed to be resolved before financing.

TerraPro Solutions analyzed the chain of title for the access route, tracing the legal history of the road and the property it crossed. We identified the instrument — or combination of instruments — that established legal access, and worked with the title company to confirm that this evidence was sufficient for the access endorsement.

Where gaps existed in the legal record, we worked to obtain the necessary documentation from landowners or public agencies to fill them.

Legal access to the public road was confirmed and documented, and the title company issued the access endorsement. The lender's requirements were satisfied, and the project financing closed without issue.