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Request Title Service

If you wish to purchase and/or legally own a piece of real estate, you need a written title stating your property ownership. We encourage you to contact us to discuss how you will benefit from our title services. Email us at uct@unioncountylaw.net or call at (937) 642-4070.​

Union County Title, LTD provides full title insurance services through its underwriters for all title work, closings, escrow services, and all general title and search services.

Scroll down to read the reasons for purchasing title insurance. 

What is a title?

Do I need title insurance?

Merriam-Webster dictionary defines title as "legally just cause of exclusive possession; the instrument (such as a deed) that is evidence of a right; and/or all the elements constituting legal ownership." In short, you require a title whenever you become the owner of a property — through purchase or inheritance — or you currently own a piece of property.

REASONS TO PURCHASE TITLE INSURANCE

 

Prior to entering into a contract to purchase or refinancing property, a title examiner will examine records to determine ownership of the property and to uncover deeds, mortgages, wills, divorce decrees, court judgments, tax records, liens and encumbrance associated with the property. This search is designed to disclose any potential title defects or legal issues ahead of time.


If the previous record owner was deceitful, or an error was made in any documents, title insurance will protect you from certain covered risks, not exceeding the amount of the insurance policy, including a defect in title caused by things like:

  • Forgery of documents,

  • Fraud or impersonation of the property’s true owners.

  • Clerical errors that result in a document not being properly filed, recorded, or indexed in the public records.

  • ​Liens that are the result of a prior owner’s actions, which can be placed against the property by a contractor, tax authority or lender who hasn’t been paid.

  • Conflicting wills or an undisclosed/unknown heir of a previous owner suddenly claiming ownership.

  • Outstanding debt from the previous owner, such as mortgages, judgments, unpaid child support or unpaid taxes.

 

Should a covered defect in your property’s title or a claim arise, your title insurance underwriter will protect your financial interests, including defend you in court and settle any covered claims for you.

If you'd like to discuss your title needs, we're here to assist you. Email us at uct@unioncountylaw.net or call at (937) 642-4070.

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