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Why Title Insurance?

Title insurance insures real estate and mortgages against loss from defective titles, liens, and encumbrances. Protecting purchasers against loss is accomplished by the issuance of a title insurance policy, which states that if the status of the title to a parcel of real property is other than as represented, and if the insured suffers a loss as a result of title defect, the insurer will reimburse the insured for that loss and any related legal expenses, up to the face amount of the policy.

 
Below are examples of why you need need title insurance.
Documents executed under false, revoked or expired powers of attorney.
False impersonation of the true land owner.
Undisclosed heirs.
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 by minors.
Deeds which appear absolute, but which are held to be equitable mortgages.
Conveyances by an heir, devisee or survivor of a joint estate who attempts to attain title by ill-gotten means.
Inadequate legal descriptions.
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.
 
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