Title & Trust Company of Florida v. Barrows

Title Trust Company of Florida v . Barrows

381 So . 2d 108S

Facts

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 bed 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 d 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

Issues

Whether or not title insurance policies insure against defects in physical condition of land covered

Held

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

Legal Reasoning

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

.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...