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Reasons why title insurance is needed

Reasons why home buyers need title insurance:

  • Documents executed under false, revoked or expired powers
        of attorney.
  • False impersonation of the true landowner.
  • Undisclosed heirs
  • Improperly recorded legal documents.
  • Prescriptive rights in another not appearing of record and not
        disclosed by survey.
  • Failure to include necessary parties to certain judicial proceedings
  • Defective acknowledgements due to improper or expired
  • Corporate franchise taxes as liens on corporate real estate assets.
  • Gaps in the chain of title.
  • Mistakes and omissions resulting in improper abstracting.
  • Forged deeds, mortgages, wills, releases of mortgages and other
  • Deeds by minors.
  • Deeds which appear absolute, but which are held to be equitable
  • Conveyances by an heir, devisee or survivor of a joint estate who
        attempts to attain title by ill-gotten means.
  • Inadequate legal descriptions.
  • Conveyances by undisclosed divorced spouses.
  • Duress in execution of wills, deeds and instruments conveying or
        establishing title.
  • Issues involving delivery of conveyancing instruments.
  • Deeds and wills by persons lacking legal capacity.
  • State inheritance and gift tax liens.
  • Errors in tax records.
  • Demolition and substandard building liens.
  • Administration of estates and probate of wills of missing persons who
        are presumed deceased.
  • Issues of rightful possession of the land.
  • Issues concerning the rightful conveyances by corporate entities.
  • Deeds and mortgages by foreigners who may lack legal capacity to
        hold title.
  • Legal capacity of foreign personal representatives and trustees.
  • Issues involving improper martial status.
  • Improper modification of documents.
  • Rights of divorced parties.
  • Conveyances in violation of public policy.
  • Misinterpretation of wills and ancillary instruments.
  • Deeds by persons falsely representing their marital status.
  • Claims by creditors of decedent against property improperly
        conveyed by heirs and devisees.
  • Issues concerning unlawful takings by eminent domain or
  • Special tax assessments.
  • Real estate homestead exceptions.
  • Forfeitures of real property due to criminal acts.
  • Issues concerning adoption of children.
  • Conveyances and proceedings affecting rights of military personnel
        protected by the Soldiers and Sailors’ Civil Relief Act.
  • Issues concerning interests noted in financial statements filed under
        Uniform Commercial Code.
  • Interests arising by deeds of fictitious parties.
  • Adverse possession.
  • Lack of jurisdiction or competency of persons in judicial
  • Community property issues.
  • Utility easements.
  • False affidavits of death of heirship.
  • Interstate estates.
  • Probate matters.
  • Federal estate and gift tax liens.
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