Lost Your Title Policy? Three Places to Search for It | Amrock

We often do n’t think about old paperwork until we need it. When it ‘s not where you left it, it ‘s easy to get anxious. But do n’t panic over your owner ‘s title insurance policy if you ca n’t find it, getting a copy of this authoritative paperwork normally is n’t that hard. here are three places to start your search .

1. Contact the Title Agent

If you ca n’t find your title indemnity policy, start your search with the contact who handled the transaction. In most cases, this is your title agentive role, or in some cases, this point of touch may be your substantial estate of the realm lawyer. If the transaction was fairly late, there ‘s a chance your title agent or lawyer may still have your policy paperwork on file. For older championship insurance policies, however, this is less probable. But even if your claim agent does n’t have your paperwork, they will probably be able to help you with your next footfall : contacting the entitle insurance company .

2. Contact the Title Insurer

If you do n’t have your policy on handwriting, it might be a bit difficult to follow its instructions for contacting the insurance company. thankfully, your agent should be able to tell you how to request a copy of your lost title policy. This is normally done by making a predict and giving your name and basic contact data. however, there are times when title insurers themselves may besides have trouble locating older policies. In very rare circumstances, an inexperienced or undertrained title agent may have failed to by rights issue the final examination owner ‘s policy. But do n’t worry. The big total of close paperwork generated from your dwelling buy comes to the rescue. Paperwork such as your transcript of the HUD-1 Settlement Statement, ALTA Statement, and Closing Disclosure can serve as proof of receipt for your lost deed policy. That ‘s because these documents include an enumerate list of all the third base parties that rendered services and receive requital at conclude. many title insurers will besides ask if you have the title search preliminary report or title insurance commitment document. These files can help some firms locate your policy and provide a copy faster.

3. Contact the Lender

There ‘s constantly the casing that, for whatever cause, a homeowner no longer has any of the paperwork associated with their conclude. This hush is n’t a total lost induce, at least arsenic far as your championship policy is concerned. If you ca n’t find your Settlement Statement, Closing Disclosure, or other documents, contact your lender. Your lender can help you obtain a copy of your deed policy, even when, after years, you do n’t remember the diagnose of your title indemnity caller. That ‘s because your lender will have the lender ‘s title policy policy bought when the loanword was issued. While owner ‘s policies are optional, all mortgaged home purchases require a lender ‘s policy, so your lender can be a good resource in your document research. Lenders besides normally keep a imitate of your completion shape on bridge player. normally, borrowers can obtain copies of both documents from the lender.

With these documents, you ‘ll go back to the deed insurance company to finish the work of obtaining a copy of your misplace policy .

What to Do With Your New Copy

If you ‘re hunting for your title indemnity policy, there ‘s probably a reason. normally, it ‘s because you ‘re selling your home or buying a newly home and trying to qualify for a reprint rate rebate. Finding your paperwork may entirely be the get down of a newly house transaction with a inundate of new significant documents. When your transaction is complete, you credibly do n’t want to go through this search again. so make sure to store your documents securely. Digital storage options are catching on, but remember you may need to store these documents securely for a couple of decades. The best option may however be the simple : a locking file cabinet or base hit lodge box .

Related Posts