TIER Plus Real Estate Leagl Services with Happy Couple

Exceptions to Title Insurance

Standard title insurance policies insure against title-related defects of real estate ownership only, not against risks like deed restrictions, mortgage or tax liens, easements, shared road agreements, and other public-record documents found at the County Recorder's Office. These public-record documents are known as "exceptions documents" because standard title policies "except" these risks from coverage.


(Title Insurance Exceptions Review®)

TIER delivers a Legal Opinion letter of public-record exceptions documents found at the Country Recorder's office. The Legal Opinion letter includes an overall GREEN Light risk assessment rating (RED, YELLOW, or GREEN) for the parcel, as well as a risk assessment for each document, making the letter understandable at-a-glance.

Types of documents reviewed.

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

How does TIER® work?

Day 1. Order Request. Upload your Order Request. Monitor your inbox for emails updating you on the progress of the analysis.

Day 2. Preliminary Title Report. The preliminary title report for the parcel is ordered. Preliminary title reports are typically received within one week, but sometimes take two weeks to receive. You will be updated by email regarding receipt of the documents.

TIER Days 1-4. Once the exceptions documents have been received, your attorney performs the TIER analysis. Your TIER legal opinion arrives in your email inbox within four business days. This email includes a scheduled time to discuss the results of the TIER analysis with your attorney.

Attorney phone call. Your attorney calls at the scheduled time to answer questions about the TIER analysis.

Payment. Legal services billed at an hourly internet rate and pass-through expenses are charged against an Advance Fee. Pricing is dependent on where the parcel is located. If the legal matter is completed before the Advance Fee reaches zero, the balance will be refunded; if not, an invoice will be issued with the amount due.

Getting Started.

Have the following information handy:

  • Name and contact information
  • Legal description, parcel number, and/or street address of the Subject Property
  • VISA, MasterCard, AMEX, or Discover information

Ordering takes less than five minutes.

Buyer Beware

The law assumes buyers know the effect public-record documents have on the use and value of a parcel.

The law offers little recourse if a buyer doesn't understand their effect on the use and value of a parcel.

The most avoidable problems seen at real estate law offices are buyers who didn't understand the devastating effect a public-record document had on the use and enjoyment of their purchase.