To Add Non-Ad Valorem, or not to add Non-Ad Valorem in escrow?

[Geoffrey Pierce]

We've always had both Ad Valorem and Non-Ad Valorem taxes collected in our escrow impounds by default (not at our request). Our new mortgage does not include Non-Ad Valorem (special assessments like trash) in the impounds. We're instructing them to include them going forward.

Is it common for lenders to not include Non-Ad Valorem? About what percentage would you say? 

Also, who is responsible for getting the taxes correct at closing? Lender or Title? Both are pointing at each other.