National title companies are easy to find online…unless you have a problem. If you need help to defend your ownership rights of your property, then it’s up to you to navigate a website, or you’re at the mercy of a telephone tree.
It could be a lesser claim, like your neighbor says that your well is three feet on her property, or it might be something bigger, like a survey error puts a highway smack-dab through the middle of your living room. Either way, legal fees are expensive.
The claim may be crazy, but it’s your responsibility to defend your ownership rights. Title Insurance goes a long way to help you. Title Insurance not only pays for your legal defense, your policy also provides the attorney. That’s great…so long as your title company answers your call.
A local title company has more accountability to you. If there’s a challenge to your real estate title, a local company will take your call, or you can walk in the door and speak to someone face-to-face for help. People who work at a local title company are going to see you at church or school functions, shopping at Wal-Mart, or enjoying downtown. When they review your closing documents with you, they’re going to make sure you understand them. A local title company is not going to close the deal over the Internet and never see you. They’re there to make sure your ownership goes smoothly, and to defend your rights if it doesn’t.
Furthermore, a local title company normally costs less than a national title company. A national title company may tag on a fee for one region which does not apply for your location. A local company will only apply fees specific to the area—you won’t have superfluous expenses. National companies also may add fees for working long distance, fees that would not be charged when using a local title company.
The personal touch of a local title company gives you superior service in cost and accountability for your most valuable investment, your home.