Obligations of the Title Insurance Company

The Past Can Determine the Future

Title insurance is a unique form of insurance. It provides coverage for future claims or future losses due to title defects which are created by some past event (i.e., event prior to the acquisition of the property.) These risks are far less obvious than those protected against by automobile insurance but can be just as devastating. Title Insurance protects the insured owner of a real estate property or the insured mortgage lender against title defects, issues outlined on a survey or real property report and against real estate fraud.

The obligations of the Company extend to:

Duty to Defend

The Duty to Defend goes beyond the indemnification of the insured when a claim is presented.   As the title insurer, we are responsible for any costs, legal and/or notarial   fees, and expenses incurred in the defense of an insured risk, including the title itself or the charge against the title

No-Fault Coverage

The Insured is indemnified for losses by the Company regardless of fault in the incident generating losses.   By proving their loss, the insured may present a valid claim.