How to Locate a Copy of Your Title Insurance Policy
Having a copy of your title insurance policy is essential for understanding the protection provided and managing any legal or financial issues that may arise. This article outlines the steps to locate your policy, ensuring you have the necessary information for your peace of mind.
Where to Start: Check Your Records
The first place to look is among your personal documents, particularly those related to the purchase of your home or property. Closing documents often include the title insurance policy. Examining these documents can provide quick access to the information you need.
Contact Your Title Company
Reach out to the title company that issued the policy. They should have records of your policy and can assist you in obtaining a copy. You will likely need to provide your name, property address, and the date of the transaction as identifying information.
Review Your Closing Disclosure
During the home-buying process, you received a closing disclosure statement. This document typically lists the title insurance policy and the title company. This can be a valuable resource when trying to locate your policy.
Check with Your Lender
If you financed your home, your lender may have a copy of the title insurance policy. Since lenders often require title insurance to protect their investment, they generally keep a record of it.
Visit Your Local Recorder’s Office
Counties often maintain records of title insurance policies. You can access this information through your local recorder’s office or assessors office. While this may require a physical visit, it offers a comprehensive record of your property and any associated titles.
Online Title Search
Some title companies offer online search tools where you can look up your title insurance policy using your property details. Utilizing these tools can save time and provide immediate access to the policy information.
Further Assistance: Real Estate Attorney
If you still cannot locate your policy, consider consulting a real estate attorney. They can provide guidance and legal assistance, ensuring you have the necessary information and protection.
Identifying the title company is a key step. If you have the closing statement, the title company will be listed. Alternatively, you can find the name of the title company by examining the recorded deed where their stamp may be visible.
To identify the title insurance underwriter, look at the HUD-1 settlement statement or Closing Disclosure you signed when purchasing your property. This document will provide the name and contact information of the title company and the title insurance underwriter. Both companies can help you obtain a copy of your owner’s policy.
We hope this comprehensive guide helps you locate your title insurance policy with ease, ensuring you have the critical information you need for your property and investments.