What is NOT typically an exception that may appear in a title commitment?

The correct answer is based on the nature of what exceptions to a title commitment typically include. Title commitments often list various exceptions that can affect the title of a property, which are established through public records or legal principles.

Easements not shown in public records, mechanic's liens, and survey discrepancies are examples of specific issues that could potentially impact the title and are commonly noted as exceptions. Easements, even if not recorded, can affect a buyer's use of the property. Mechanic's liens arise from unpaid work on the property, indicating claims against the property for labor or materials. Survey discrepancies highlight potential inconsistencies in property boundaries that may not be reflected in the title.

On the other hand, insurance fraud does not relate directly to title issues or conditions affecting property ownership. It is more of a crime affecting the integrity of the title insurance process rather than a specific exception that would be noted in a title document. Inclusion of such a concept would stray outside the realm of title commitments, which focus more on legal encumbrances or limitations directly affecting the title itself.