Steve Fiscus, one of the jurors, said he was persuaded by a faxed insurance binder that Lloyd's covered what the defense said it did.

Those caveats include easements, rights of way, covenants, restrictions, zoning regulations and - to borrow from aline from a typical title insurance binder - "such state of facts as an accurate survey would reveal."

Typical papers at a conveyancing include: deed(s), certified checks, promissory note, mortgage, certificate of liens, pro rata property taxes, title insurance binder, and fire insurance binder.

Maffia also said that he did not tell the retail broker, Gagliardi Brothers Insurance, the specifics of what he wanted to insure and did not read the insurance binder that was sent to him that laid out the conditions of insurance.