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Exceptions to Title Insurance

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.

Avoid just one of the problems listed above and TIER® pays for itself.

Buyer Beware

The most avoidable problem seen at the law office is a buyer who didn't understand the devastating effect a public-record document had on the use and enjoyment of their purchase.

The law assumes buyers know about all public-record documents. If a buyer doesn't know about a public-record document or doesn't understand its effect on the parcel, the law offers little recourse.

 

TIER®

Title Insurance Exceptions Review®

TIER is a legal due diligence tool delivering a Legal Opinion Letter analyzing the risk to use and enjoyment of a parcel represented by public-record documents found at the County Recorder's office.

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, they are organized for analysis.

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

Attorney phone call. Attorney calls at the scheduled time. Plan for an hour. Discuss any questions you have.

Payment. An advance fee is collected with the Order Request. Timely Contract uses LawPay to process the advance fee. Time is billed in six-minute increments at an hourly rate against the advance fee. Advance fee and hourly rates are determined by the attorney licensed in the jurisdiction of your parcel.

Pricing. Advance fee and hourly rates are determined by the attorney licensed in the jurisdiction of your parcel. To find the Timely Contract® attorney, enter the parcel's information in the Order Request to the right. The pop-up box featuring the Timely Contract attorney includes a link to the Advance Fee Agreement where you will find advance fees, hourly rates, and other important contract terms

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.