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WHY TITLE INSURANCE?
There are few things in life more important than protecting your home. Having a title examination or search cannot protect your equity and home from matters that do not appear in Public Records. However a title policy can protect you from:
- False impersonation of the true property owner.
- Forged deeds, mortgages, wills, releases of mortgages and other instruments.
- Undisclosed heirs.
- Issues involving improper marital status.
- Deeds by persons falsely representing their marital status.
- Conveyances by undisclosed divorced spouses.
- Rights of divorced parties.
- Documents executed under false, revoked or expired powers of attorney.
- Deeds executed by minors.
- Issues concerning adopted children.
- Conveyances by an heir, devisee or survivor of a joint estate who attempts to attain title by ill-gotten means.
- Deeds or wills by persons lacking legal capacity.
- Documents signed under duress.
- Deeds and mortgages by foreign persons who may lack the legal capacity to hold or convey title.
- Administration of estates and probate of wills of missing persons who are presumed deceased.
- Misinterpretation of wills and ancillary instruments.
- Lack of legal capacity of a personal representative(s), trustee(s), etc.
- Improperly recorded legal documents.
- Inadequate or inaccurate legal descriptions.
- Defective acknowledgements due to improper or expired notarization.
- Failure to include necessary parties to certain judicial proceedings.
- Forfeitures of real property due to criminal acts.
- Gaps in the chain of title.
- Mistakes or omissions resulting from an erroneous title search and examination.
- Federal estate and gift tax liens.
- Corporate franchise taxes as liens on corporate real estate assets.
- Special tax assessments.
- Real estate homestead exceptions.
- Nonpayment of debts that attach to real property.
- Claims of creditors of decedent against property improperly conveyed by heirs and devisees.
- Issues of rightful possession of the land.
- Conveyance in violation of public policy.
- Issues concerning unlawful taking by eminent domain or condemnation.
- Adverse possession.
- Prescriptive rights in another not appearing of record and not disclosed by survey.