Hidden Risks Covered By Title Insurance

Hidden Risks Covered By Title Insurance

There may be defects in title which an examination may not disclose. A title policy protects against all of these hidden risk, and more:

  • Errors, gaps or omissions in chain of title
  • Marital property rights not disclosed of record
  • Mistakes in recording
  • Confusion of names
  • Conveyances altered before recording
  • Voiding or limiting seller’s record of title
  • Deeds by minors
  • Deeds by persons supposedly single but secretly married
  • Deeds by persons of unsound mind
  • Deeds delivered after death of grantor or grantee, or without consent of the grantor
  • Defective foreclosures of mortgages
  • Errors made by administrators and executors
  • Errors in copying and indexing
  • False representations in appointment of guardians and administrators
  • Falsification of records
  • Forged deeds, releases, or wills
  • Fraud, duress, or coercion in securing essential signatures
  • Illegal acts of trustees
  • Incompetence
  • Instruments executed under expired or fabricated power of attorney
  • Impersonations by fraudulent persons
  • Legal costs to defend claim to title
  • Liens for unpaid estate, inheritance, income, and gift taxes
  • Undisclosed or missing heirs
  • Risks not appearing of record

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