Encroachments are described as the projection or overlapping of certain improvements either from or onto the property to be insured in relation to property boundary lines, easements, minimum building set-back lines, or restricted areas without legal authority. For insuring purposes, encroachments must be dealt with by listing the items as exceptions from coverage. The Company will, however, in some circumstances, agree to provide affirmative coverage to lenders in situations where the risk of loss to the mortgagee is considered negligible.