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. Risks like deed restrictions, mortgage or tax liens, easements, shared road agreements, and other public-record documents found at the County Recorder's Office are known as "exceptions documents" because standard title policies do not cover these circumstances.

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

Know what you are buying before you sign.

Buyer Beware

The law assumes buyers know of all public-record documents, and 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.


Title Insurance Exceptions Review®

TIER is a basic legal due diligence tool. TIER delivers a Legal Opinion Letter analyzing public-record documents found at the County Recorder's office, documents representing exceptions to title insurance coverage.

The Legal Opinion Letter includes a risk assessment rating (Green, Yellow, or Red).

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?

Day 1. Order Request. Complete the Order Request to the right.

Day 2. Preliminary Title Report. Preliminary title report is ordered.  Monitor your email for updates regarding receipt of exceptions documents. Once all documents are received, TIER analysis begins.

TIER Days 1-4. Attorney performs TIER analysis. TIER is delivered to your inbox within four business days. Email includes a scheduled time for attorney phone call.

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

Payment. An advance fee is required in order for attorney to start work. Legal services are billed at an hourly internet rate and charged against the advance fee. If the matter is completed before the advance fee reaches zero, the balance is refunded; if not, an invoice is issued with the amount due. Amount owing must be paid before the TIER is delivered. Timely Contract uses PayPal to process credit cards, debit cards, and electronic fund transfers.

Pricing. Pricing is determined by your Timely Contract® attorney. To find your attorney, enter the parcel's address information in the Order Request. A pop-up box featuring your attorney will appear with a link to the attorney's Advance Fee Agreement. Click on the Advance Fee Agreement to view advance fee, 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.