A fire destroys only the house and improvements. The ground is left. A defective title may take away not the only the house but also the land on which it stands. Title insurance protects you (as specified in the policy) against such loss.
A deed or a mortgage may have been signed by a person under age.
A deed or a mortgage may have been made by a legally insane person or one otherwise incompetent.
A deed or a mortgage may have been made under a power of attorney after its termination and would, therefore, be void.
A deed or a mortgage may have been made by a person other than the owner, but with the same name as the owner.
The testator of a will might have had a child born after the execution of the will, a fact that would entitle the child to claim his or her share of the property.
A deed or mortgage may have been procured by fraud or duress.
Title transferred by an heir may be subject to a federal estate tax lien.
An heir or other person presumed dead may appear and recover the property or an interest therein.
A judgment or levy upon which the title is dependent may be void or voidable on account of some defect in the proceeding.
Title insurance covers attorneys’ fees and court costs.
Title insurance helps speed negotiations when you’re ready to sell or obtain a loan.
By insuring the title, you can eliminate delays and technicalities when passing your title on to someone else.
Title insurance reimburses you for the amount of your covered losses.
A deed or mortgage may be voidable because it was signed while the grantor was in bankruptcy.
Each title insurance policy we write is paid up, in full, by the first premium for as long as you or your heirs own the property.
There may be a defect in the recording of a document upon which your title is dependent.
Claims constantly arise due to marital status and validity of divorces. Only title insurance protects against claims made by non-existent or divorced “wives” or “husbands.”
Many lawyers, in giving an opinion on a title, protect their clients as well as themselves, by procuring title insurance.
Over the last 24 years, claims have risen dramatically.
Like purchasing any insurance (auto, fire or theft), you hope you will never need to use it, but if something unforeseen happens, THANKFULLY YOU HAVE IT!
Good Morning Annette! Thank you for closing yesterday. You were amazing! Thank you and have a wonderful day.
Thanks for your help with my closing last Friday. It was a pleasure working with you. My life has been a bit of whirlwind since closing so I hadn’t had a chance to look at the gift bag you provided until today. I LOVE THE SPOON!!!! What a great housewarming gift. I will think of that day every time I use it. It was a particularly jovial closing. Wishing you the best in the future.
Our closing experience with Lori Weaver was wonderful! She was always quick to respond to our requests or questions and we knew we were in good hands. She and her team are very friendly, accommodating, and professional.
John and Pam
We have had the opportunity to use Kim Metzgar for closing many of our transactions; buyers and sellers. We have found her to be thorough and efficient in getting a file ready to close. Her calming approach at the closing table is refreshing and enjoyable for the clients.
Joyer Home Team
Kim gives 200%!! She puts her heart and soul into her work and handles my clients with the utmost care! Kim is always available to take my calls and answer all my questions – even at night and on weekends! She makes closings so comfortable and positive for everyone involved with her pleasant demeanor and great sense of humor! I appreciate that she will travel anywhere for my closings and is an expert troubleshooter! I’ll follow her anywhere!