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What does Title Insurance protect me from?

• False impersonation of the true owner of the property
• Forged deed, releases or wills, Instruments executed under invalid or expired power of attorney;
• Undisclosed or missing heirs; Mistakes in recording legal documents
• Misinterpretations of wills Deeds by persons of unsound mind
• Deeds by minors
• Deeds by persons supposedly single, but in fact married
• Fraud
• Liens for unpaid estate, inheritance, income or gift taxes

What is a title search?

• A title search is a detailed examination of the historical records concerning a property. These records include deeds, court records, property and name indexes, and many other documents. The purpose of the search is to verify the seller’s right to transfer ownership, and to discover any claims, defects and other rights or burdens on the property.

What is the difference between an owner's policy and a lender's policy?

• An owner’s policy is one that protects the individual purchasing the property, who is going to become the owner. In the event that there is an issue with the title or an issue that affects the value of the property, the purchaser is covered under this type of policy.

• The lender’s policy protects the financial institution providing the mortgage in the event that an issue occurs with the title of the property.

Each types of policies protect against the same issues, but for different parties involved. It is advisable that both an owner’s policy and lender’s policy are obtained during the purchasing process.

How does title insurance differ from other insurance?

• Insurance such as car, life, health, etc., protects against potential future events and is paid for with monthly or annual premiums. A title insurance policy insures against events that occurred in the past of the real estate property and the people who owned it, for a one-time premium paid at the close of the escrow. 

Why is it taking so long to get

my Deed?

• The Deed is the actual document that transfers title from one person to another. The deed must be recorded by the Clerk of Court’s office and can take time. After the closing paperwork has been processed, the original deed is sent to the Clerk’s office and recorded in the official county records. Once recorded, it is mailed back to the title agency where the agent will write the actual title insurance policy if the company requires the Deed to be recorded prior to issuance. Some companies don’t require the deed to be recorded prior to the issuance of the policy and will issue the title policy on the actual closing date. A deed will usually not be recorded until the prior mortgage is paid and the satisfaction is also ready to be filed in the county.Once the original deed is recorded and the title insurance policy is issued, the two documents are mailed to the new owner.

When should I receive my title policy?

• You should get a Title Commitment at the time of your closing. The actual policy may not be issued for some time depending upon the prior mortgage satisfaction being received and recorded along with the new property deed.

• Handled the largest policy in the history of Florida @ $275 Million Dollars

• Top 10 producer for the State of Florida for the past 5 years running.

• 2018 / The Fund's Top Contributor Circle is the highest honor offered to our top 25 Member Firms based on policies remitted in 2018.

• 2017 / The Fund's Top Contributor Circle is the highest honor offered to our top 25 Member Firms based on policies remitted in 2018.

• 2016 / The Fund's Top Contributor Circle is the highest honor offered to our top 25 Member Firms based on policies remitted in 2018.

• 2015 / The Fund's Top Contributor Circle is the highest honor offered to our top 25 Member Firms based on policies remitted in 2018.