Every property has a history, and some histories are more complex than others. As your title partner, we go to extraordinary lengths to uncover title defects in the transactions you entrust to us, in a timely and efficient manner. But we know that, despite our best efforts, unforeseen title issues may come to light at any time—even long after closing—and we want to be part of the solution. In fact, the title policy may even protect the homeowner from issues that arise down the road. 

Because we know that buying a home is a significant emotional and financial decision, part of our commitment is to offer your clients title insurance designed to provide them with peace of mind and protection from title issues like these, no matter when they surface:  

• Existing liens – From tax liens, to outstanding Homeowner Association dues, to liens filed by creditors or by contractors for unpaid repair or construction work, unpaid fees are a persistent challenge in any title search. That’s a primary reason why owner’s title insurance is a valuable one-time expense. 

• Acts of fraud – These can include false impersonation of the real landowner, forged deeds, wills, or other instruments, and/or unknown heirs who turn up after closing to stake a claim on the property. 

• Forgeries – Sometimes, a forged document affecting property ownership is filed in the public record, obscuring rightful ownership. 

• Clerical errors – These may include inaccurate recording of legal documents, such as legal lot descriptions, or other recording mistakes in the public record. 

• Breaks in chain of title – This involves protection in the event a link in the chain of ownership is broken or missing. 

• Unknown easements – Typically a non-financial issue, an unknown easement by a government agency or other party can limit the homeowner’s right to build or otherwise fully enjoy the property. 

• Boundary or survey disputes – These can arise when an existing survey shows up entitling a neighbor to claim ownership of a portion of the property. 

As your title partner, we are here to answer your questions on title policies and their coverage. Whether the event covered by the policy occurred in the past, or post-policy date, title insurance is a modest, one-time premium that offers protection and peace of mind. Contact us today for more information on policy coverages.