Why Title Insurance


1. Forged deeds, mortgages, satisfactions, or releases

2. Deed by person who is insane of mentally incompetent

3. Deed by minor (may be disavowed)

4. Deed from corporation, unauthorized under corporate by-laws or given under falsified corporate resolution

5. Deed from purported trustee, unauthorized under trust agreement

6. Deed to or from a “corporation” before incorporation, or after loss of corporate charter

7. Deed from a legal nonentity (styled, for example, as a church, charity, or club)

8. Deed challenged as being given under fraud, undue influence, or duress

9. Deed affecting land in judicial proceedings (bankruptcy, receivership, probate, conservatorship, dissolution of marriage) unauthorized by court

10. Deed following judicial proceedings subject to appeal or further court order

11. Lack of jurisdiction over persons or property in judicial proceedings

12. Deed executed under falsified power of attorney

13. Deed apparently valid, but actually delivered after death of grantor or grantee, or without consent of grantor

14. Deed affecting property of deceased person, not joining all heirs

15. Ineffective release of prior mortgage or lien, as fraudulently obtained by predecessor in title

16. Deed recorded but not properly indexed so as to be locatable in the land records

17. Undisclosed but recorded federal or state tax lien

18. Undisclosed but recorded prior mortgages

19. Undisclosed but recorded notice of pending lawsuit affecting land

20. Erroneous release of tax or assessment liens, which are later reinstated to the tax rolls

21. Adverse claim of vendor’s lien

22. Misinterpretation of wills, deeds, and other instruments

23. Erroneous or inadequate legal descriptions

24. Forged notarization or witness acknowledgment

25. Federal estate or state inheritance tax liens (may attach without recorded notice)