Practice Area

Florida Title Insurance Agent and Lawyer
A title insurance policy protects the policy holder against claims that jeopardize the ownership of your property. For instance if the previous owner of your property never paid a contractor who did work on the house has placed a Mechanic’s Lien on your property. If that lien never showed up in your title search at closing, your title insurance policy would cover payments you would be responsible to make in order to satisfy that lien and also attempt to recover the payment from the sellers.
There are two types of of title insurance you can buy at closing, a Mortgage Title Insurance Policy (which covers your lender) and an Owner’s Title Insurance Policy.
When we talk about title insurance on this site, we are generally talking about Owner’s Policies. A Mortgage Title Insurance Policy generally only covers up to the value of the mortgage, and not of the home itself. If you only had a Mortgage Policy, the additional equity (down payment) you paid for your home would not be covered.
Florida Title Insurance Agent and Real Estate Lawyer
Florida Title Insurance FAQs
THIS IS NOT TRUE!
The State of Florida issues "promulgated rates" for issuing title insurance at closing. Real Estate Attorneys must follow these guidelines, just as independent title agencies do.
Real Estate Attorneys can not only issue title, but they can provide the seller or buyer legal advice, depending on who they are representing in the transaction. If a document needs to be modified, or a defect in title is found, the attorney can advise the client on how to correct the problem in order to close the deal.
The fees for your title insurance are the same Florida promulgated amount and based on the price of the sale. It's the additional closing expenses that are different. You can be charged closing fees, courier fees, and a variety of other fees at closing that are not related to title insurance at all.
Taft Street Law Firm keeps these closing fees low because we work in a streamlined manner and, because our attorneys review and handle the closings, we do not need to refer out legal work.
Some specific examples:
• Deeds from unauthorized persons (minors, incompetent, etc.)
• Forged documents (deeds, mortgages, etc.)
• Deeds signed under undue influence
• Deeds issued without proper judicial proceedings (foreclosure)
• Deeds delivered after the death of grantor
If you are in Palm Beach County, generally the seller is responsible for paying for title insurance at closing. In Broward and Miami-Dade counties, the buyer is generally responsible for the title insurance premium.
If you are a buyer and the seller is responsible for Title Insurance, we recommend using an attorney for buyer's representation, to review your closing documents, including the title search and title commitments. Title insurance generally covers anything not found on the title search and having an attorney read and interpret an exclusions on your title policy is extremely helpful.
At Taft Street we provide mobile closings where we come to you instead of you coming to our main office. We can either meet at a location of your selection, or we can utilize Taft Street office virtual space in a location close to you.
It is our priority to no only deliver effective legal representation, but also to make the closing experience as convenient, efficient, and painless as possible!
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