After a title search of public records, more than 1/3 of searches reveal title problems that must be fixed before closing. Title professionals resolve issues like unpaid contractors or taxes from previous owners. Once issued, a title policy defends your property rights against any covered claims and losses in effect as long as you own the property. It is required by lenders to protect their security interest in the property through a lender's title policy. Title insurance protects homeowners from common title problems including unpaid loans against the property, missing or undisclosed heirs, and mistakes in legal documentation.

1. PACIFIC COASTT I T L E C O M P A N Y
RESIDENTIAL & COMMERCIAL
T I T L E S E R V I C E S
Is Title Insurance Really Needed?
w w w . p c t . c o m
This is intended for informational purposes only.
After your sales contract has been accepted, a title professional will search the public records to look for any
problems with the home’s title. This search typically involves a review of land records going back many
years. More than 1/3 of all title searches reveal a title problem that title professionals fix before you go to
closing. For instance, a previous owner may have had minor construction done on the property, but never
fully paid the contractor. Or the previous owner may have failed to pay local or state taxes. Title
professionals seek to resolve problems like these before you go to closing. Once a title policy is issued, if for
some reason any claim which is covered under your title policy is ever filed against your property, the title
company will pay the legal fee involved in defense of your rights, as well as any covered loss arising from a
valid claim. That protection, which is in effect as long as you or your heirs own the property, is yours for a one-
time premium paid at the time of purchase. If you have a mortgage on your home, it is the lender’s
requirement for you to purchase the lender’s title policy to protect its’ new security interest in the property,
therefore, don’t let anyone tell you that your homeowner’s policy is optional.
Building permit &
ZoneViolation
Forged deed
Errors in Public
Records or mistakes
in recording legal
documents
Marital rights of spouse
purportedly, but not
legally divorced
Liens for unpaid
taxes or unpaid
contractors
Birth or adoption of
children after date of will
When you purchase your home, how can you be sure
that there are no problems with the home's title and that
the seller really owns the property? Problems with the title can
limit your use and enjoyment of the property, as well as bring financial
loss. So is title insurance really an optional item of choice?
CommonTitle Problems:
…using the property as collateral for an unpaid loan
…fraudulently claimed to be the sole owner
…failed to pay real estate taxes
…mistake in the recording of legal documents
…unpaid contractors
…reappearance of undisclosed or missing heirs
…misinterpretation of wills
…and the list goes on...
Brian & Sara Forkel
Sr. Account Executives
Cell: (909) 262-9094
Cell: (909) 573-6384
Bforkel@msn.com
SaraForkel@gmail.com