For the purposes of almost every title policy, the Date of Policy is the date on which the document creating the interest insured is recorded in the public records. The document is then presented to the county recorder or clerk’s office to be filed for record and a fee paid.

How do I get title insurance after closing?

Where Do You Get Title Insurance? You are free to choose where you want to get title insurance, but usually the process is initiated by your closing agent, real estate attorney if there is one, or your escrow agent. The good news is, getting title insurance doesn’t have to be difficult.

What happens to owner’s title insurance when you refinance?

If you weren’t anticipating buying a new title insurance policy during refinancing, you’re not alone. When you refinance your home, the original loan is paid off and a new refinance loan is originated. When the original loan is paid off, the original title insurance lender’s policy goes with it.

What does a title insurance policy protect against?

Title insurance is a contractual obligation that protects against losses that occur when title to a property is not free and clear of defects (e.g. liens, encumbrances and defects that were unknown when the title policy was issued). Title insurance also guarantees loan priority.

How can I Find my Lost title insurance policy?

When this happens, there are three things a homeowner can do to get a copy of his lost title insurance policy. 1. Contact the title agent or lawyer who handled the transaction 2. Get the HUD-1 Settlement Statement, ALTA Statement or Closing Disclosure 3. Contact the lender

What to do if you lose your title to a property?

What to Do If You Lose Your Title Loss of your title is no reason to panic. You can go to the clerk’s office at the county courthouse where the property is located and request a copy. If you have a mortgage on the property, your mortgage banker should also have a copy on file.

Can a title insurance policy be misplaced?

After you negotiate the terms and conditions of the policy and close on the home, the insurance company will issue and hand over an owner’s policy to you and a lender’s policy to your lender, if you purchase the property with a mortgage. Sometimes, owners’ title policies can be misplaced or lost altogether.

Where can I get a copy of my property title?

Loss of your title is no reason to panic. You can go to the clerk’s office at the county courthouse where the property is located and request a copy. If you have a mortgage on the property, your mortgage banker should also have a copy on file.