At St. Louis Law, P.A., we understand that purchasing real estate is one of the biggest investments you’ll ever make. Ensuring that your title is clear and free of any issues is crucial for protecting your investment. That’s why we offer legal services for title insurance to safeguard your ownership rights and provide peace of mind throughout your real estate transaction.

Whether you’re buying, selling, or refinancing property, our experienced attorneys are here to guide you through the title insurance process, ensuring that your transaction is legally sound and your property is free from any hidden risks.

What is Title Insurance?

Title insurance is a policy that protects property owners and lenders from potential losses due to defects or disputes related to the title of a property. Unlike other forms of insurance that protect against future events, title insurance protects against issues that may arise from past events, such as:

• Unpaid liens or mortgages: Debts that were not disclosed during the transaction.
• Forgery or fraud: Invalid or fraudulent documents affecting the title.
• Errors in public records: Mistakes in government or court records that could impact ownership.
• Ownership disputes: Claims made by third parties asserting ownership rights to the property.

Title insurance provides essential protection for homeowners and lenders against these risks, ensuring that the property title is valid and that you have the legal right to own or transfer the property.

Our Title Insurance Services

At St. Louis Law, P.A., we offer a full range of services related to title insurance to ensure that your real estate transactions are safe and secure. Our experienced attorneys are here to guide you through every step of the process, from reviewing your title to obtaining insurance coverage.

1. Title Search and Examination

Before issuing title insurance, we perform a thorough title search to verify the legal ownership of the property and identify any potential issues or defects in the title. Our team reviews public records, deeds, mortgages, liens, and other relevant documents to confirm that the property’s title is clear and free from claims or disputes. If any issues are found, we work to resolve them before proceeding with the insurance.

2. Title Insurance Policy Issuance

Once we’ve completed the title search and confirmed that the title is clear, we assist in obtaining a title insurance policy. There are two primary types of title insurance policies:

• Owner’s Title Insurance: Protects the buyer’s investment in the property, ensuring that they are the rightful owner and that no one else can lay claim to it.
• Lender’s Title Insurance: Typically required by lenders, this policy protects the lender’s financial interest in the property, ensuring that their lien is valid and enforceable.

We ensure that you receive the appropriate policy to meet your needs and protect your investment.

3. Title Insurance Dispute Resolution

If a title issue arises after the transaction, our firm is prepared to step in and provide legal representation to resolve the dispute. Whether it’s an ownership challenge, an undisclosed lien, or fraud, we will help protect your title insurance coverage and work to resolve any claims swiftly and effectively.

4. Title Defect Resolution

If we discover any defects or issues during the title search, we work to resolve these issues before the transaction moves forward. Common defects may include unresolved debts, claims of ownership, or errors in previous deed transfers. Our attorneys negotiate with relevant parties and ensure that the title is cleared before the property changes hands, preventing potential legal complications in the future.

5. Closing and Finalization of Title Insurance

At the closing of your real estate transaction, we assist in ensuring that the title insurance is finalized and properly recorded. Our firm ensures that all paperwork is completed accurately, that your title insurance policy is issued promptly, and that the transaction is legally sound and fully protected against future risks.