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Without
title insurance, you are not guaranteed ownership if
the following situations occur:
- Someone else owns a recorded interest in your
title.
- A document is not properly signed, sealed, acknowledged
or delivered.
- Forgery, fraud, duress, incompetence, incapacity
or impersonation.
- Defective recording of any document.
- Lack of a right of access to and from the land.
- Mechanic's lien protection for work or materials
done prior to policy date except where the insured
has agreed to same.
- Unrecorded liens by a homeowner's association.
- Others have rights arising out of leases, contracts
or options.
- Someone else has an easement on your land.
- Forced removal of the residential structure because
it extends onto other land, on to any easements,
violates a restriction shown in Schedule B of the
preliminary title search, or violates an existing
zoning law.
- Building permit or zoning violation.
- Restrictive covenant violations prior to owners.
- Mineral extraction damage.
- Map inconsistency protection.
- Post policy encroachment; post policy forgery.
- Living trust coverage.
- Forced removal of existing structures including
boundary walls and fences due to encroachment onto
adjoining land.
- Supplemental real estate taxes by a taxing authority
not previously assessed prior to date of policy
because of construction or a change in ownership
before the policy date.
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