This endorsement is typically requested when the insured Land contains multiple parcels comprising one overall project or site. It provides coverage against loss if any parcels are not contiguous to each other along specified boundary lines because of any gaps, strips, or gores separating the Parcels. 

The 19.01-06 endorsement offers similar to the coverage to the 19-06; however, it is designed for those acquiring a parcel and want coverage that the land being acquired is contiguous to another parcel of land, which is not insured under the policy. This is typically requested when purchasing multiple lots at various times, with the goal of assembling one overall parcel for remapping and/or development. 

Augmented Reality (AR) is a technology that has gained immense popularity in recent years, offering a revolutionary way to seamlessly integrate digital information into the real world. AR technology superimposes digital information, such as images, videos, 3D models, or sound, on to the real world. Unlike Virtual Reality (VR), which immerses users in a completely digital environment, AR enhances the physical world by adding digital elements. This overlay can be achieved through various devices, such as smartphones, tablets, smart glasses, and headsets.

You may be familiar with AR if you have recently purchased or looked at furniture online. Many retail websites/mobile apps offer Augmented Reality to show how a piece of furniture will look in the user’s living spaces – and all users need is their smartphone camera! Alternatively, you may have utilized AR if you have ever used social media to overlay filters, effects and interactive elements onto your photos or videos!

How Does AR Work?

AR relies on a combination of hardware and software to function. The hardware includes cameras, sensors, and displays on devices such as smartphones, tablets, headsets or AR glasses. These devices capture the real-world environment, process the data, and then display digital content on the user's screen in real-time. Software plays a crucial role in recognizing the environment, tracking objects, and aligning digital content with the physical world. AR applications and platforms enable the creation and deployment of augmented reality experiences. These applications use computer vision algorithms to recognize and track real-world objects, allowing digital content to interact seamlessly with the environment.

Impact on Industries

Augmented Reality is reshaping industries by improving efficiency, enhancing user experiences, and creating new opportunities for innovation. The potential for AR's impact is vast, and it continues to evolve and expand its reach. The following are examples of how AR can be and is already being used in different industries:

Challenges and Future Outlook

Despite its promising potential, AR faces challenges such as privacy concerns, technological limitations, and the need for widespread adoption. However, ongoing advancements in hardware, software, and increased investment suggest a bright future for augmented reality in various fields.

In summary, augmented reality represents a groundbreaking technology that blurs the lines between the digital and physical realms. Its applications span various fields, and its impact on industries is profound. As AR continues to evolve, its applications across diverse industries are poised to transform the way we learn, work, and interact with the world around us.

Identifying the property that is the subject matter of a deed, mortgage, contract or any other agreement, is a critical component for enforceability. Back in the 17^th and 18^th century, the Boards of Proprietors, a few individuals who owned the majority of land in New Jersey, commissioned surveyors to survey and prepare maps or descriptions of their lands, which the boards wished to convey. Similar to today, larger tracts of land were divided into smaller tracts. The descriptions were, and still are based on land measurements taken by surveyors, who go on-site to the property to identify its boundaries.

There is a history of conflicting division lines between the Eastern Board of Proprietors and the West Jersey Board of Proprietors.  Over the centuries that have passed, there have been several instances where boundary line location disputes, overlaps and gores existed due partially to the less advanced systems of measures and recording that were relied on.  The records of both Boards are now with the New Jersey Department of Environmental Protection (NJDEP).

A [legal] description identifies the land being conveyed in a particular instrument, used to indicate the delineation of boundaries, which separate a given parcel from the surrounding land. The description used in a deed, mortgage, or lease needs only to identify the property with reasonable certainty to constitute a valid conveyance. One court decision states, “It is not necessary that the description of property conveyed by a deed shall define it by the metes and bounds or by reference to a specific location, in order to pass title”.  Thus, a description by reference to a tax assessment map or by street address alone is usually adequate to pass title; however, such little information is not generally acceptable from a title insurance standpoint.

For purposes of insurability, the description used in a deed, mortgage, or lease should be as precise as possible. The best modes of describing land, from the title insurer’s standpoint, are metes and bounds and filed map descriptions.  Tax lot and block references are generally only accepted as a legal description when the property is conveyed by a municipality.

Metes and bounds descriptions are written versions of what is graphically set forth in a survey. It should contain a beginning point, which locates the starting place of the description, oftentimes with a readily identifiable point and end with “thence”, indicating there is more to come. For example, “BEGINNING at the point formed by the intersection of the westerly sideline of Main Street with the northerly sideline of Elm Street, thence,”. Next, the description should contain bearings and distances, which are the compass bearings indicating the location of the boundary lines with respect to “true” north and the length of the boundary lines in feet and inches. For example, continuing from the above beginning point the bearings and distances are listed for each boundary line as such, “ North 34 degrees 58 minutes 43 seconds east, 92 feet to a point, thence,”. There will generally be multiple lines of bearings and descriptions, sometimes ending with monuments or boundaries, such as a utility pole, intersections of roads, the boundary of a named person’s property, a stream, or sometimes even just a particular type of tree.  Finally, the description should end with closure, or the last boundary line in the description, returning to the beginning point, “South 55 degrees 10 minutes and 04 seconds East, 906.34 feet to the point or place of BEGINNING”.

This endorsement provides coverage against loss or damage resulting from certain risks related to planned unit developments. They are identical in all respects with the exception of Section 2 of each endorsement. 

Stevens, E., Meeker, R., & Kummel, H. (1913). Road Map of the State of New Jersey (North Half). Co 312 Broadway, New York. https://mapmaker.rutgers.edu/HISTORICALMAPS/NJ_1913_N.jpg Accessed 2023.

Stevens, E., Meeker, R., & Kummel, H. (1913).Road Map of the State of New Jersey (South Half). Co 312 Broadway, New York. https://mapmaker.rutgers.edu/HISTORICALMAPS/NJ_1913_s.jpg Accessed 2023.