Accretion is the increase or acquisition of land by the gradual or imperceptible action of natural forces, such as the washing up of sand or soil from the sea or river, or by a gradual recession (“reliction”) of the water from the usual watermark. By accretion, the added land (“alluvion”) becomes the property of the owner of the land to which it is

Land created by any means other than natural causes is not the property of the upland owner of the property of which such accreted land becomes a part.

When land borders on navigable water and the description of the boundary bordering on the water is by courses and distances only, title to that portion of the land bordering on the water which was not clearly included within the boundaries as described in the patent by which the land was originally granted usually cannot be insured.

Where the channel of a navigable river has changed from causes other than natural accretion, the title to the land lying within the dry bed of the original channel may be owned by the State or Federal Government.

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