Serving Tampa Bay since 2006 from our Westchase office · Monday to Friday, 9 a.m. to 5 p.m.
Serving Tampa Bay since 2006 from our Westchase office · Monday to Friday, 9 a.m. to 5 p.m.
Resources
Here are answers to common questions about title, title insurance, title searches and closings.
Serving Tampa Bay since 2006.
Common questions
If you have a question about your own property or closing, call our team at 813-855-3585, Monday to Friday, 9 a.m. to 5 p.m.
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When you purchase a home, you are really purchasing the title to the property, which is the right to occupy and use the space. That title may be contested based upon past rights and claims asserted by others. These types of claims can cause you to lose money or, even worse, lose your home.
Title insurance is your policy of protection against loss if one of these problems, even a “hidden hazard,” results in a claim against your ownership. Coverage is subject to the terms, exclusions and exceptions of your policy.
A title search is a detailed examination of the historical records concerning a property, including deeds, court records, and property and name indexes. It is intended to verify the seller’s right to transfer ownership and to discover any claims, defects and other burdens on the property.
If a claim is made against your property, title insurance will, in accordance with the terms of your policy, assure you of a legal defense and pay all court costs and related fees. Also, if the claim proves valid, you will be reimbursed for your actual loss up to the face amount of the policy, subject to the terms of your policy.
A title search can show a number of title defects and liens, as well as other encumbrances and restrictions, which include (but are not limited to) unpaid taxes, unsatisfied mortgages, judgments against the seller and restrictions limiting the use of the land.
A closing is the event where the title to a property is transferred from seller to buyer. It involves the completion of all the necessary paperwork to finalize the agreement between buyer and seller, including financial issues, closing, transfer of title and filing with the local authority.
There are some “hidden hazards” that even a careful title search may not reveal, including fraud and forgery, defective deeds, mental incompetence, confusion due to similar or identical names, clerical errors in the records and many more. Title insurance protects your right to ownership, subject to the terms, exclusions and exceptions of your policy.
Property title theft most commonly occurs when one person fraudulently puts the deed to a house in another person’s name, refinances a home’s mortgage, or takes out a brand new mortgage using a home’s value as collateral.
Your closing day
You choose your title company, and we earn that choice on every closing.
We appreciate you.
Order title
Tell us about the property and the transaction, and attach the contract when our team replies. Your order is accepted once our team confirms it with you.
You can also email the contract to orders@insured-title.com.
Please do not include Social Security numbers, bank account details or identification documents.
Title and closing services
Choose the service you are asking about, and our team will contact you.
Please do not include Social Security numbers, bank account details or identification documents.
Signing options
Sign at our Westchase office, or ask us about a licensed notary meeting you where you choose. After-hours and weekend closings are available by appointment.
Please do not include Social Security numbers, bank account details or identification documents.
