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Category Archives: Title Insurance

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Is Title Insurance Required by Law?

Sandy Gadow

Title insurance is not required by law, however almost all lenders will require a lender’s title insurance policy as a condition of making their loan. A lender wants to protect their interest in the property and a title insurance policy … Continue reading →

Posted in Buying, Title Insurance | Leave a reply

What Is The Lis Pendens That I Found In The Preliminary Title Report?

Sandy Gadow

A lis pendens literally means that litigation is pending. It tells the public that a lawsuit affecting the property is in progress and that any judgment awarded in that legal action will have priority as of the date of the … Continue reading →

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Must I Record My Deed?

Sandy Gadow

Your deed is considered complete once it has been signed, sealed and delivered. Recording the deed is not required by law in order for the transfer from the seller to the buyer to take place. However, in order for you … Continue reading →

Posted in Closing/Settlement, Deeds, Selling, Title Insurance | 1 Reply

Can I Object To A Proposed Zoning Change or Variance Request?

Sandy Gadow

If you receive a notice that a neighbor or some property owner nearby to you proposes to build something that would require a zoning change or variance and you object to the purpose, you have the right to voice your … Continue reading →

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Exceptions To Coverage In Your Title Insurance Policy

Sandy Gadow

Your title insurance policy will list certain exceptions that will be excluded from coverage. This is a standard practice, but you should be aware of which items are exempted and therefore not covered. Owner’s policies usually contain a list of … Continue reading →

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Resolving Boundary Disputes

Sandy Gadow

Boundary lines between properties are described in the property description in your deed. Before you build a fence or any other structure on your land which is near or on the boundary separating your property from your neighbor’s property, you … Continue reading →

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Coverage and Types of Title Insurance Policies

Sandy Gadow

There are two types of title insurance policies, the owner’s policy and the lender’s policy. When you buy your home you will arrange to buy title insurance which will cover your interest in that property. The limit of this owner’s … Continue reading →

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Dealing With Clouds On Your Title

Sandy Gadow

At closing time, the seller will be asked to provide good and marketable title to the property, a title which is free of any liens or judgments, or “clouds on the title.” A lien is a claim to property for … Continue reading →

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What Title Insurance Will Do for You?

Sandy Gadow

Title insurance is a one-time premium paid to a title company that guarantees that you own a particular piece of property and guarantees that no one else has a claim to that property. You can’t tell by looking at a … Continue reading →

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