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What is a Title Search?
A title search is a comprehensive review
of all public records involving the title to a particular
property. A typical title search consists of any
and all historical records pertaining to the property
including, but not limited to; deeds, wills, trusts, court
records, property and name indexes, mortgages, and many
is the purpose of a title search?
purpose of the title search is to verify that there are
no liens or other claims against the property and that
all former owners have given up their rights to the property. This
verifies that the seller has a right to transfer ownership
of the property.
is a title search conducted?
typical title search can go as far back as 30 years. A
search begins when the examiner, a lawyer or an expert
from your title company, investigates the previous owners
of the property going all the back to when the land was
purchased from the government by the original home owners.
With the miracle of modern technology,
examiners have been able to utilize the power of the Internet
in order to expedite and perfect title searches, giving
unlimited access to public documents at the click of a
examiner is looking for "clouds," a title term
for any problem that might affect the seller's ability
to successfully transfer the title of the home to the
buyer. If "clouds" are detected, it's crucial
that you have title insurance to safeguard
What role does title insurance
insurance is essential because it protects the homeowner
of their ownership. Title insurance safeguards the homeowner
from loss due to problems with the title. Your policy
states that your title company will provide legal counsel
should any problem with your title occur. The title insurance
company offers a complete and thorough background investigation
on your property searching for anything that could affect
the title, such as: tax information, historic matters
of importance, purchasing information, other claims to
the property, etc. - essentially all matters which could
even in the most thorough investigations, it is possible
to miss something important, and therefore, you buy title
insurance. This protects the homeowner as well
as the title company. Once the settlement is final, the
homeowner is completely responsible for any valid claims
made against the property in question. Title insurance
protects your investment.
clouds do arise, title insurance protects the buyer and
lender from any losses, including the cost to fix the
errors, up to the value of the policy or the original
purchase price. This is due to the fact that the title
search failed to turn up this information.
Are their hidden problems that
a title search may not expose?
some cases, even the most thorough title search can miss
something that could affect the ownership of your home. Hidden
problems could include fraud, forgery, faulty deeds, mental
incompetence, clerical errors, etc. In these cases, your
title insurance will protect you from any loss you incur
up to the amount of your policy, as well as your legal