Typically, our paperwork gets shuffled around in our homes. Unfortunately, some important paperwork can get lost in the shuffle. However, we often don’t look for important paperwork until we actually need it. And when it comes time to retrieve important documents we are stuck rummaging through a huge pile of documents. We never actually find the one we need. And when you are in need of your title policy, there are a few easier places that will be able to provide these documents and ease your stress and anxiety.
Get In Contact With Your Title Agent
If you are stuck and can’t seem to find your title policy, call your title agent or real estate attorney. This person handled your entire transaction from the beginning. In fact, you are luckier if the transaction was a recent one. Most real estate professionals keep recent files stored in their office as compared with older transactions. However, there are other avenues you can go to access your title policy.
Contact Your Title Insurer
Another person who is likely to have a copy of your title policy is the insurer who provided it to you. Your agent will have all the title insurance contact information on file. Therefore, you can easily call your title insurer and see if they can provide you with a copy of your title insurance policy. However, it is important to note that some title insurers may have a little trouble accessing older title policies. In extremely rare instances, a title agent may have failed to properly issue a complete and final owner’s policy. But do not fret. All the paperwork from your closing is likely to be a helpful resource for finding the missing paperwork. Documents like you HUD-1 Settlement Statement and Closing Disclosure can serve as proof of your lost title policy.
A Title Company You Can Trust: Colony Title
At Colony Title, we will help you through the process of getting your property’s title and help you avoid the pitfalls of hidden costs while you buy your home. We are also well trained in identifying any and all errors in public records and helping you resolve them. We specialize in real estate title insurance in both Maryland and Washington, D.C., and we will perform an expert title search, check through all past documentation, and examine records for any fraud or forgery. For more information on how we can get you into the home of your dreams, contact us online or give us a call at (410) 884-1160. To get more updates on housing markets and how to get into your home, follow us on Facebook, Twitter, LinkedIn, and Google+.