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Exceptions to Title Insurance

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

Deed restrictions, tax liens, and easements are examples of public-record documents found at the County Recorder's Office that represent risks not covered by title insurance. These documents are referred to as "exceptions documents."

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 begins.

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 depend on where your parcel is located, and are determined by the Timely Contract certified attorney licensed in that jurisdiction. The attorney's Advance Fee Agreement will include information on hourly rates and advance fee.

Payment. Your Order Request Confirmation email includes instructions for paying the advance fee.

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.

At Timely Contract, we have local real estate attorneys who have experience throughout Idaho, including: Boise, Post Falls, Coeur d’Alene, Lewiston, Moscow, and Sandpoint.

We also have local real estate attorneys who have experience throughout Montana, including: Missoula, Billings, Bozeman, and Kalispell.

And we have local real estate attorneys who have experience throughout Washington, including: Spokane, Spokane Valley, Liberty Lake, Medical Lake, and Cheney.


Order Request

Introducing . . .

The Green Light System®

The GREEN Light System assesses the legal risk of a parcel, 

risk the law assumes you understand.

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.

Green Light


Yellow Light

Weak Public Record

Red Light

Defective Public Record

Better information means better decisions.