Your Questions About Title Insurance

Mandy asks…

What value does a real estate lawyer add on top of title insurance?

If title insurance already protects against:
– survey errors
– legal description errors
– negligence
– forgery
– liens

and negates the need for:
– zoning compliance certificate
– tax certificate
– hydro/water/gas certificates
– law society levy

what value does a real estate lawyer add on top?

Is it just for wading through the legalese in the Offer and the Agreement?

barry0912 answers:

Depends on the transaction, if it’s a refinance, I would tend to agree with you even though I don’t understand what you mean by stating title insurance negates the need for tax and water certificate. I’d also be cautious of the legal description errors. I had a situation in NY, purchase, where the deed to the property did not contain a legal description at all. The previous title company would not give us a letter of indemity for our title and then come to find out our title underwriter would not accept it, the original deed had to be found and re-recorded, no exception, so I guess it depends on what you mean by “errors” On a purchase transaction, they usually add more value due to the purchase contracts and drafting of deeds, etc. To be bluntly honest, most attorneys usually dont even touch the file unless there is a major problem, their paralegals handle the day to day operations

Lisa asks…

Who is responsible for selling a bad title insurance policy?

I had property line dispute with my neighbor and my title insurance policy(First American Title Insurance Company) does not want to pay my $7k attorney fees for preparing the claim . They did not cover my out of pocket legal fees. I was sold a crappy policy 10 years ago when I purchased my residence. Who is in charge of choosing the title insurance company? Escrow company or the agent?

barry0912 answers:

Normally the real estate agent or the escrow officer select a title company they are accustom to working with. This is prevalent throughout the mortgage and real estate industry.

What the real estate agent or escrow loan or loan officer fail to tell their clients is that they may select the services of their choice.

Even if your title was not in excess of 10 year the title company only guarantee that liens against the property after your purchase would be paid and you would be getting a clean title to the property. You did not get a crappy title insurance policy.

I have used First American Title Insurance and have found them to be a competent title company over the years.

In most states and counties a property has been assigned a lot and parcel number with the dimension recorded at the county court where the property is located. If there is a dispute about the property as to where it ends and how much is yours, then you would have to hire a survey company to complete a survey to determine property lines.

I hope this has been of some benefit to you, good luck.

“FIGHT ON”

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Your Questions About Internet Marketing Blog


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Lisa asks…

How do you internet market?

I put money into a website that makes money from internet marketing but i dont know how to do it? It sounded real easy at first. I dont have anything to sell. But I have my own websites for blogs and everything but is illiterate when it comes to knowig what to do. I need step-by-step help 101……

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barry0912 answers:

Oh jeez. You invested in internet marketing without a product, or even the idea of a product? Hahahaha 🙂

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Linda asks…

I want to get started in SEO where do I start. Can anyone point me in the right direction.?

I’m currently a marketing major in college. I’m want to get started in Internet marketing, SEO, and SEM. I’ve been reading everything I can of those subjects, plus google analytic.

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barry0912 answers:

Search Engine Optimization (SEO) now-a-days covers quite a range of items that your website will need.

First of all there is no single item that will do the trick. Its a combination of of various pieces to the puzzle. Part of it lies within your website and the other part you can call an “outreach” program by getting your links onto other websites (e.g. Blogs, social bookmarks, forums, press releases, etc)

Outside of that you also are missing a DocType in your HTML code. Take a look here:
http://www.w3.org/QA/2002/04/valid-dtd-list.html

While you’re at the W3C take a look at your validation errors too:
http://validator.w3.org/

We have an article that we wrote you can read here:
http://www.smartfindsmarketing.com/articles.php?p=articles_define_marketing

Also, touch base with Webmaster forums for more information like the following three:
http://forums.digitalpoint.com/
http://www.v7n.com/forums/
http://www.warriorforum.com/forum/

Also, here is another good resource:
http://www.seochat.com

One last thing. You will need to get into the process of generator a sitemap of your website regularly as a sitemap.xml file. You can read more about this at http://www.sitemaps.org created by Google, Yahoo and MSN and you will need a sitemap generator at http://www.smartfindsmarketing.com/xml_sitemaps.php You can then submit your sitemaps to the search engines in their respective areas.

Learn about Link Popularity, Google Page Rank, Alexa Traffic Rank, Keyword Density

Hope this helps

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