Header Image

Title Insurance

We Inform You

Land is permanent, but its ownership isn’t.  Every property starts out with a bundle of rights that its owner can expect.  But over the years, with each new possession of property, events can take place that affect the title, such as a refinancing, a tax lien, an encroachment by a neighbor, or the marriage, divorce, or death of an owner.

THE TITLE SEARCH
When a buyer and seller agree on a home or land purchase transaction, our title professionals search public records to see if any outstanding matters could affect the new buyer’s rights, capturing and analyzing even the smallest details.  These records include recorded documents such as: judgments, liens, general taxes, utility assessments, special taxes and levies, and other matters that could cost the new buyer money or, even worse, affect their ownership.  This process, called a title search, provides warnings of title flaws that must be dealt with before the property can change hands.
Established Professionals

As your closing partners, we are recognized as the established professionals in the business.  With multiple locations, we are easy to do business with and look forward to serving you.

We Reduce Your Risk

Once our title professionals find these title issues, we then work to remedy any problems that could prevent the owner from having “clear” title.  For example, a previous owner may have had minor construction done to the home, but never fully paid the contractor performing the work.  We identify this unpaid bill so that it can be resolved by the seller before closing.  If it isn’t, the new owner might very well be responsible for this payment.

THE HIDDEN PROBLEMS
The best title search, performed by the most experienced and capable experts, cannot ensure that no title hazards exist.  Some problems simply are not revealed in public records.  Years ago, there may have been an honest mistake in determining the status of title.  Or today, a previously unknown heir may come forward to claim ownership of a deceased relative’s property.  There might even have been a forged deed that impairs the ownership of the property.
To help protect our clients in these events, we issue an Owner’s Policy of Title Insurance that insures against most of these unforeseen problems.  So, title insurance not only helps to remove the flaws that show, but also insures against those that don’t.
We Insure Your Rights

The title insurance policy is what people usually think of when they think of title insurance.  For this reason, there are two kinds of title policies:  one for owners and one for lenders.  An Owner’s Policy is assurance that we will stand behind each closing.  Bottom line:  we will be there to help pay valid claims and cover the costs of defending an attack on title.  Receiving an Owner’s Policy isn’t always an automatic part of the closing process, however.  Be sure to request one.  Because without an Owner’s Policy, a homeowner could be liable for these costs and legal fees, even if they prevail in a legal action.

WHY LENDERS LIKE IT, TOO
The mortgage lender also has a great financial interest in each closing.  Just as homeowners do, lenders rely on us to ensure that they won’t be impacted by unforeseen title problems that could affect them.  The Lender’s Policy covers them for the amount of the loan, and declines accordingly as the loan is paid.
We Protect Your Piece of the American Dream

Title insurance isn’t like most of the things we Americans buy.  In fact, it’s not exactly a product, but more a process.  It’s different from other kinds of insurance, too, in that the premium you pay just once buys coverage that lasts the entire time you, or your heirs, own your property—whether it’s five years or 105!

Since 1952, we pride ourselves in providing you with a variety of and the best of services.  Noted below are our most frequently used services:
  • RESIDENTIAL REAL ESTATE CLOSINGS

  • COMMERCIAL REAL ESTATE CLOSINGS

  • TITLE INSURANCE

  • DOCUMENT PREPARATION

  • TITLE SEARCHES

  • REMOTE CLOSINGS

  • WITNESS-ONLY CLOSINGS