Although private ownership of shoreline improvements may be possible, its existence may be by revocable license subject to termination and forced removal. The construction or even repair of any improvements is subject to scrutiny at various levels and regulation by many different states, local, and federal agencies. Shore improvements would most likely be subject to navigational servitude and other easement rights. No affirmative coverage should ever be given covering any such improvements, and any policy insuring property with any such improvements should contain appropriate exceptions as shown in the underwriting guidelines. As with any complex issue, local underwriting counsel must be consulted before issuing policies on waterfront properties.