Why Title Insurance?

There are few things in life more important than protecting your home.  The following matters are examples of why you need a title insurance policy:

• Documents executed under false, revoked or expired powers of attorney.
• False impersonation of the true land owner.
• Undisclosed heirs or deeds by minors.
• Improperly recorded legal documents.
• Prescriptive rights in another not appearing of record and not disclosed by survey.
• Failure to include necessary parties to certain judicial proceedings.
• Defective acknowledgements due to improper or expired notarization.
• Corporate franchise taxes as liens on corporate real estate assets.
• Gaps in the chain of title.
• Mistakes and omissions resulting in improper abstracting.
• Forged deeds, mortgages, wills, releases of mortgages and other instruments.
• Deeds which appear absolute, but which are held to be equitable mortgages.
• Conveyances by undisclosed divorced spouses.
• Duress in execution of wills, deeds and instruments conveying or establishing title.
• Issues involving delivery of conveyancing instruments.
• Deeds and wills by persons lacking legal capacity.
• State inheritance and gift tax liens.
• Errors in tax records.
• Demolition and substandard building liens.
• Administration of estates and probate of wills of missing persons who are presumed deceased.
• Issues of rightful possession of the land.
• Issues concerning the rightful conveyances by corporate entities.
• Deeds and mortgage by foreigners who may lack legal capacity to hold title.
• Legal capacity of foreign personal representatives and trustees.
• Issues involving improper martial status.
• Improper modification of documents.
• Rights of divorced parties.
• Conveyances in violation of public policy.
• Misinterpretation of wills and ancillary instruments.
• Deeds by persons falsely representing their marital status.
• Claims by creditors of decedent against property improperly conveyed by heirs and devisees.
• Issues concerning unlawful takings by eminent domain or condemnation.
• Special tax assessments.
• Real estate homestead exceptions.
• Forfeitures of real property due to criminal acts.
• Issues concerning adoption of children.
• Conveyances and proceedings affecting rights of military personnel protected by the Soldiers’ and Sailors’ Civil Relief Act.
• Issues concerning interests noted in financial statements filed under Uniform Commercial Code.
• Interests arising by deeds of fictitious parties.
• Adverse possession.
• Lack of jurisdiction or competency of persons in judicial proceedings.
• Community property issues.
• Utility easements.
• False affidavits of death or heirship.
• Intestate estates.
• Probate matters.
• Federal estate and gift tax liens.