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Bev West

West Realty/Metro Brokers
Greeley, CO 80634
Broker/Owner
970-631-7111
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Title Insurance

Title Insurance-Why Do I Need It?

Have you ever wondered why you need title insurance? Your home may be new to you, but every property has a history. A thorough title search can help uncover any title defects tied to your property. And, subject to the terms of the policy, your title insurance provides protection for you from title problems that may become known after you close your transaction. Some of these common title issues are:

1. Errors in public records

To err is human, but when it affects your homeownership rights, those mistakes can be devastating. Clerical or filing errors could affect the deed or survey of your property and cause undo financial strain in order to resolve them.

2. Unknown liens

Prior owners of your property may not have been meticulous bookkeepers — or bill payers. And even though the former debt is not your own, banks or other financing companies can place liens on your property for unpaid debts even after you have closed on the sale. This is an especially worrisome issue with distressed properties.

3. Illegal deeds

While the chain of title on your property may appear perfectly sound, it's possible that a prior deed was made by an undocumented immigrant, a minor, a person of unsound mind, or one who is reported single but in actuality married. These instances may affect the enforceability of prior deeds, affecting prior (and possibly present) ownership.

4. Missing heirs

When a person dies, the ownership of his home may fall to his heirs, or those namedwithin his will. However, those heirs are sometimes missing or unknown at the time of death. Other times, family members may contest the will for their own property rights. These scenarios — which can happen long after you have purchased the property — could affect your rights to the property.

5. Forgeries

Unfortunately, we don't live in a completely honest world. Sometimes forged or fabricated documents that affect property ownership are filed within public records, obscuring the rightful ownership of the property. Once these forgeries come to light, your rights to your home may be in jeopardy.

6. Undiscovered encumbrances

When it comes to owning a home, three can be a crowd. At the time of purchase, you may not know that a third party holds a claim to all or part of your property — due to a former mortgage or lien, or non-financial claims, like restrictions or covenants limiting the use of your property.

7. Unknown easements

You may own your new home and its surrounding land, but an unknown easement may prohibit you from using it as you'd like, or could allow government agencies, businesses, or other parties to access all or portions of your property. While usually non-financial issues, easements can still affect your right to enjoy your property.

8. Boundary/survey disputes

You may have seen several surveys of your property prior to purchasing, however, other surveys may exist that show differing boundaries. Therefore, a neighbor or other party may be able to claim ownership to a portion of your property.

9. Undiscovered will

When a property owner dies with no apparent will or heir, the state may sell his or her assets, including the home. When you purchase such a home, you assume your rights as owner. However, even years later, the deceased owner's will may come to light and your rights to the property may be seriously jeopardized.

10. False impersonation of previous owner

Common and similar names can make it possible to falsely "impersonate" a property owner. If you purchase a home that was once sold by a false owner, you can risk losing your legal claim to the property.

Play it Safe

These and other issues are often covered by an owner's policy of title insurance. When you buy a home, make sure you're protecting that investment with title insurance.

Bev West
3835 W. 10th St. #200C
Greeley, CO 80634
Phone: 970-631-7111
Email: bev@bevwestingreeley.com

See What My Clients Have To Say...

Integrity, Honest, Fast, Responsive, Detailed, Northern CO Market Savvy, and so much more! Bev West hit it out of the park for my wife and I. From start to finish not a single detail missed. It was a tall order when we approached Bev to help us purchase a home in Fort Collins summer of 2015. With FOCO being one of the most desirable places to live in the US it made for a mammoth of a task to buy a home. Bev was faced with an extraordinary tough buying market but was also faced with representing my wife and I as we lived in New Mexico. Bev immediately made it a point to know what we were looking for in a home and got to know our expectations. This was so important because we did not have the advantage to personally look at each listing we liked. Our trust and faith were 110% in Bev throughout the process. So much that due to our busy life out of state did not permit us to see the home until we closed on the home!!! It takes a skilled and savvy realtor to navigate these types of markets and be able to close a successful deal. Bev did it! We could not be happier with our purchase. Thank you Bev!- Chris V.
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CNHS - Certified New Home SpecialistEqual Housing OpportunityGRI - Graduate, REALTOR® InstituteMLS membershipRCC - Residential Construction CertificationREALTOR® certificationWCR - Womans Council of RealtorsIdentity Theft Prevention Officer

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