Title Due Diligence

Title Due Diligence

How to Ensure Comprehensive Title Protection


When you buy a new home, you want to make sure that the title is free and clear of liens and encumbrances before closing. Most buyers assume that because a title search was done and title insurance obtained, their title is in the clear. Not necessarily. Although a title search detects recorded liens affecting the property, it does not detect municipal charges (which can become unrecorded liens) nor issues that would be disclosed in a survey.

To ensure comprehensive title protection, two additional services must be requested: a municipal lien search and a boundary survey. Without these two components, the title insurance policy is diluted by excepting these matters from coverage.

The cost of procuring these services varies, but is typically around $650 — a small investment compared to the value of the property and the protections they provide.

Source: Berlin Patten Ebling, Attorneys at Law

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