In June 2014, my band OE-2-KB (Old Enough-2-Know Better) had a gig along the St. Johns River. It had rained all day, but Eddie said he had a thousand-foot tarp that we could put over everything. So we started setting up and we were watching the radar…and wondering if that tarp could really cover all of our band equipment.
There were a few little blind mosquitoes around, but they didn’t bite, so no big deal. We played our first set, took a break, and came back. By then it was very obvious the atmosphere had changed—there were blind mosquitoes everywhere!! At first I thought they were just around the lights, but they were everywhere!! Still, they didn’t bite, so we started our second set.
It was like the plagues of Moses—the blind mosquitoes were in our mouths, in our ears, and all over the keyboards, the guitars, the drums. I’ve never seen anything like it before. My brother, Rusty, had pages of music stuck together with dead bug bodies. We had been worried about the rain, but what we didn’t see coming that stopped the music. The same can be true of real estate title claims.
Owner’s Title Insurance addresses not just the title problems you can see in public records, but also the hidden risk.
Home ownership should be hassle-free. You should be able to check the radar, have a big tarp handy to cover everything, but even so, challenges to your ownership can happen.
Most property disputes are something small—not a big claim like fraud or forgery on a deed, or someone trying to claim ownership of the entire property. Usually it’s a matter of feet, an encroachment. It’s the freak bizarre things, and you just don’t see them coming—that’s why you get title insurance.
Title Insurance provides an initial service when you pay for it—a title search—and provides a secondary service—legal representation and / or compensation of the policy amount—at no additional charge to you should the title come into question. Title Insurance can’t always prevent an attack on home ownership rights, but it can shield the Homeowner from court costs in a legal defense of property title.
Title Insurance helps keep title claims from bugging you.