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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.

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. Upload the document(s) to be reviewed. Monitor your inbox for an email scheduling your attorney phone call on the second business day after your Order Request has been processed.

First attorney phone call. Attorney calls to clarify your goals.

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.

Second attorney phone call. Attorney calls to discuss the TIER analysis. Plan for an hour

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. Timely Contract hourly rates reflect a 10% discount from the rates you would otherwise be charged by the same attorney.

Payment. Within minutes of submitting your Order Request, you'll receive a confirmation email with your Timely Contract attorney, the Advance Fee Agreement outlining the terms of your attorney-client relationship including advance fee and hourly rates, and payment instructions.

Expedited service is available. If you can't wait two business days to speak to an attorney, TC Review can be expedited. Include the word "Expedited" in the Goal(s) section of your Order Request for immediate attention to your matter. Expedited hourly rates are generally twice the hourly rate.

 

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. Within minutes of submitting your Order Request, you'll receive a confirmation email with your Timely Contract attorney, the Advance Fee Agreement outlining the terms of your attorney-client relationship 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.

 

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