Exceptions to Title Insurance

If you have questions or concerns about a real estate issue in Idaho, Montana, or Washington, call today to schedule a no-charge consultation, (208) 712-4700.


Standard title insurance policies insure against title-related defects of real estate ownership only.

Deed restrictions, tax liens, easements, shared road agreements, and other public-record documents found at the County Recorder's Office are risks of ownership not covered by title insurance. These documents are referred to as "exceptions documents" because standard title policies except these documents from coverage.

Buyer Beware

The most avoidable problems are those associated with public-record document(s) that limit the use and enjoyment of a purchase. The law assumes buyers know and understand all public-record documents. If a buyer doesn't know about all public-record documents, the law offers little recourse.



Title Insurance Exceptions Review®

TIER® delivers a written legal opinion letter analyzing the risks to use and enjoyment of a parcel represented by title insurance exceptions documents.

TIER is covered by the attorney-client relationship and is subject to a conflict check.

Types of documents reviewed.

  • Covenants, Conditions & Restrictions (CC&Rs)
  • Deeds
  • Easements
  • Judgments
  • Plats
  • Record of Surveys
  • Road Agreements
  • Septic Agreements
  • Tax Liens
  • Water Agreements

How does TIER® work?

Order Request. Complete the Order Request to the right.

Preliminary Title Report. Preliminary title report is ordered. Once all exceptions documents are received, legal analysis can begin.

TIER Days 1-4. Attorney performs TIER analysis. TIER is delivered within four business days.

Attorney phone call. Attorney calls to discuss the TIER analysis. Plan for an hour-long conversation.

Pricing. Advance fee and hourly rates are determined by the local Timely Contract attorney.

Payment. Your Order Request Confirmation email will include payment instructions.

Getting Started

Order Request. Have the following available to get started:

  • Name
  • Phone number
  • Best time to call during the business day
  • Legal description, parcel number, and / or street address of Subject Property
  • Electronic copy of your contract

Ordering takes less than five minutes.

Confirmation email. You'll receive a confirmation email with your Timely Contract attorney, the Advance Fee Agreement including advance fee and hourly rates, and payment instructions. Take a moment to review this information before submitting payment.

Payment. Timely Contract uses LawPay for payment processing and accepts VISA, MasterCard, AMEX, Discover, and eChecks.

Refund guarantee. Within twenty-four hours after your first attorney phone call, if you do not wish to continue with the service, you may cancel for a full refund. The attorney reserves the same right.


Please note that we also offer these legal services: real estate contract drafting and real estate contract review.


Order Request