NLIC.org

Pauline Said:

Title insurance claim?

We Answered:

The building was purchased to be used as a commercial building. A commercial title policy guarantees that it can be used for the intended purpose under existing law. Just as a residential policy guarantees that there are no laws against occupying the premises for the residential purposes. The zoning should have been disclosed in the title report and, if it was not, you have a title claim. Unfortunately, who reads the title report. If you do not have a title claim, I would pursue a claim against the title company as closing agent. Under there E&O insurance, they closed on a property knowing (actual or constructive knowledege) that you intended to use it illegally.

I would absolutely consult a competent real estate attorney on this one.

Esther Said:

Do I have to add my husband to my auto policy if he has his own insurance?

We Answered:

Yes. That commercial insurance policy does NOT cover him, the way a personal auto insurance policy would - he has NO personal coverage, under that commercial policy.

So you need to add him. If you don't add him, then you have to EXCLUDE him from your policy - meaning, he has no coverage, and neither do you, if he drives your car. And HE has no coverage, AT ALL, if he's driving a borrowed vehicle, or rents a car, etc.