Why You Need Title Insurance

 

We always advise our clients to get title insurance. Many title problems can arise and cause complete or partial loss of your home or business property. Even the most careful search of the public records will not find the detail and small title problems. There are some hidden problems, that only professionals can detect.

What is an owners title insurance?

An owners title insurance protects you against financial loss caused by covered title risks. As the insured, our underwriter will defend you against an attack on the title to your property without expense to you. If the attack is successful, the title insurer will indemnify you against the defined loss up to the policy limit. A small, one-time premium provides you with this valuable protection.

Examples of things Capital Title covers on your title insurance.

  1. Documents executed under duress.
  2. Defective acknowledgement.
  3. Deeds by minors.
  4. Inadequate legal descriptions.
  5. Easements established through continued use but not discovered by a survey or in the public record.
  6. Mistakes in recording legal documents.
  7. Mistakes reports furnished from taxing authorities.
  8. Misinterpretation of wills.
  9. Deed of community property recited to be separate property.
  10. Errors in tax records. ( For example, listing payment against wrong property account.)
  11. Birth or adoption of children after date of will.
  12. Falsification of records.
  13. Undisclosed or missing heirs.
  14. Errors in indexing of legal documents by County.
  15. Surviving children omitted from a will.
  16. Deeds to or from defund corporations.
  17. Martian rights of spouse allegedly, but not legally, divorced.
  18. Instruments executed under fabricated or expired powers of attorney.
  19. Forged deeds, released, etc.
  20. Deeds by persons supposedly single but secretly married.
  21. Deeds from persons not competent to handle their affairs.

For any further questions regarding title insurance call Capital Title at: (210) 202-1660 and ask to speak to Melissa Garza.

 

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