Your Title Insurance Policy protects you against such potential defects as:
1. Forged deeds,
mortgages, satisfactions or releases.
2. Deed by person
who is insane or mentally incompetent.
3. Deed by minor
(may be disavowed).
4. Deed from corporation,
unauthorized under corporate bylaws or given under falsified corporate resolution.
5 . Deed from partnership,
unauthorized under partnership agreement.
6. Deed from purported
trustee, unauthorized under trust agreement.
7 . Deed to or from
a corporation before incorporation, or after loss of corporate charter.
8 . Deed from a legal
nonentity (styled for example, as a church, charity or club).
9 . Deed by person
in a foreign country, vulnerable to challenge as incompetent, unauthorized or defective under foreign laws.
10 . Claims resulting from use of alias or
fictitious namestyle by a predecessor in title.
11. Deed challenged as being given under
fraud, undue influence or duress.
12 . Deed following non-judicial foreclosure,
where required procedure was not followed.
13. Deed affecting land in judicial proceedings
(bankruptcy, receivership, probate, conservatorship, dissolution of marriage), unauthorized by court.
14. Deed following judicial proceedings,
subject to appeal or further court order.
15. Deed following judicial proceedings,
where all necessary parties were not joined.
16. Lack of jurisdiction over persons or
property in judicial proceedings.
17. Deed signed by mistake (grantor did
not know what was signed).
18 . Deed executed under falsified power
19. Deed executed under expired power of
attorney (death, disability or insanity of principal).
20. Deed apparently valid, but actually
delivered after death of grantor or grantee, or without consent of grantor.
21. Deed affecting property purported to
be separate property of grantor, which is in fact community or jointly owned property.
22. Undisclosed divorce of one who conveys
as sole heir of a deceased former spouse.
23. Deed affecting property of deceased
person, not joining all heirs.
24. Deed following administration of estate of
missing person, who later reappears.
25. Conveyance by heir or survivor of a
joint estate, who murdered the decedent.
26. Conveyances and proceedings, affecting
rights of service member protected by the Soldiers and Sailors Civil Relief Act.
27. Conveyance void as in violation of public
policy (payment of gambling debt, payment for contract to commit crime, or conveyance made in restraint of trade).
28. Deed to land including wetlands subject
to public trust (vesting title in government to protect public interest in navigation, commerce, fishing and recreation).
29. Deed from government entity, vulnerable
to challenge as unauthorized or unlawful.
30 . Ineffective release of prior satisfied
mortgage due to acquisition of note by bona fide purchaser (without notice of satisfaction).
31. Ineffective release of prior satisfied
mortgage due to bankruptcy of creditor prior to recording of release (avoiding powers in bankruptcy).
32 . Ineffective release of prior mortgage
or lien, as fraudulently obtained by predecessor in title.
33. Disputed release of prior mortgage or
lien, as given under mistake or misunderstanding.
34. Ineffective subordination agreement,
causing junior interest to be reinstated to priority.
35. Deed recorded, but not properly indexed
so as to be locatable in the land records.
36. Undisclosed but recorded federal or
state tax lien.
37. Undisclosed but recorded judgment or
spousal/child support lien.
38 . Undisclosed but recorded prior mortgage.
39. Undisclosed but recorded notice of pending
lawsuit affecting land.
40. Undisclosed but recorded environmental
41. Undisclosed but recorded option or right
of first refusal, to purchase property.
42. Undisclosed but recorded covenants or
restrictions, with (or without) rights of reverter.
43. Undisclosed but recorded easements (for
access, utilities, drainage, airspace, views) benefiting neighboring land.
44. Undisclosed but recorded boundary, party wall
or setback agreements.
45. Errors in tax records (mailing tax bill
to wrong party resulting in tax sale, or crediting payment to wrong property).
46. Erroneous release of tax or assessment liens,
which are later reinstated to the tax rolls.
47. Erroneous reports furnished by tax officials
(not binding local government).
48. Special assessments which become liens
upon passage of a law or ordinance, but before recorded notice or commencement of improvements for which assessment is made.
49. Adverse claim of vendors lien.
50. Adverse claim of equitable lien.
51. Ambiguous covenants or restrictions
in ancient documents.
52. Misinterpretation of wills, deeds and
53. Discovery of will of supposed intestate
individual, after probate.
54. Discovery of later will after probate
of first will.
55. Erroneous or inadequate legal descriptions.
56. Deed to land without a right of access
to a public street or road.
57. Deed to land with legal access subject
to undisclosed but recorded conditions or restrictions.
58 . Right of access wiped out by foreclosure
on neighboring land.
59. Patent defects in recorded instruments
(for example, failure to attach notarial acknowledgment or a legal description).
60. Defective acknowledgement due to lack of authority
of notary (acknowledgement taken before commission or after expiration of commission).
61. Forged notarization or witness acknowledgment.
62. Deed not properly recorded (wrong county,
missing pages or other contents, or without required payment).
63. Deed from grantor who is claimed to
have acquired title through fraud upon creditors of a prior owner.
AND extended coverage may be requested to protect against such additional
64. Deed to a purchaser from one who has previously
sold or leased the same land to a third party under an unrecorded contract, where the third party is in possession of the
65. Claimed prescriptive rights, not of
record and not disclosed by survey.
66. Physical location of easement (underground
pipe or sewer line) which does not conform with easement of record.
67. Deed to land with improvements encroaching
upon land of another.
68. Incorrect survey (missing location,
dimensions, area, easements or improvements upon land).
69. Mechanics lien claims (securing payment
of contractors and material suppliers for improvements) which may attach without recorded notice.
70. Federal estate or state inheritance
tax liens (may attach without recorded notice).
71. Preexisting violation of subdivision
72. Preexisting violation of zoning ordinances.
73. Preexisting violation of conditions,
covenants and restrictions affecting the land.