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The Hidden Risk

Under a title insurance policy, various "hidden risks" are protected, providing

coverage for potential issues that may arise from past events.

Consider These Instances:

False Impersonation:

Protection against the false impersonation of the true owner of the property by the seller or other individuals who were previously in title.

Forgery and Fraud:

Coverage for forged deeds, releases, and other documents, as well as protection against fraud related to the property's title.

Deeds by Persons
of Unsound Mind
or Minors:

Safeguarding against deeds executed by individuals of unsound mind or by minors, which may be deemed invalid.

Invalid Documents
by Expired Attorney:

Protection in the case of invalid documents completed by an attorney whose authorization has expired.

Invalid Deeds After Grantor's Death:

Coverage for deeds that are delivered after the death of the grantor, which may be considered invalid.

Deeds by Supposedly
Single Persons:

Protection against deeds by individuals claiming to be single but are actually married.

Claims for
Unpaid Taxes:

Coverage for claims related to unpaid inheritance and gift taxes against prior owners of the property.

Unrecorded Easements:

Protection against unrecorded easements that may grant another party the right to enter the property.

Undisclosed Descendants or Former Owners:

Coverage for undisclosed descendants or former owners of the property or land on which it is situated.

These examples highlight the comprehensive nature of title insurance, which aims to shield property owners from a range of potential risks and challenges associated with the property's title history. The specific coverage can vary, so it's essential to review the terms of the title insurance policy for a complete understanding of the protection provided.
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