In spite of all the expertise and dedication that go into a title search and examination, hidden hazards can emerge after closing, resulting in unpleasant and costly surprises. Some examples of hazards include:


– A forged signature on the deed, which would mean no transfer of ownership to you
– An unknown heir of a previous owner who is claiming ownership of the property
– Instruments executed under an expired or a fabricated power of attorney or mistakes in the public records


Title insurance offers financial protection against these and other covered title hazards. The title insurer will pay for defending against an attack on title as insured and will either perfect the title or pay valid claims all for a one-time charge at closing.