Title insurance normally insures access, but no particular access, unless that particular access is included in the legal description of your property. For example, if the policy insures "Lot 14 Sunnyside Acres", it insures access to the property iun some fashion. If the policy insures "Lot 14 Sunnyside Acres, together with a 20' right of way for ingress and egress as shown on the subdivision plat", then it insures that particular access.
If your policy took exception to access, then it is not insured. Get a real estate attorney to review your policy as if access is insured, it should be covered. I do have a concern if you could have made the claim 9 years ago and didn't-there could be a Statute of Limitations issue.
Answered on Apr 20th, 2015 at 5:43 AM