Florida Title Insurance

Documentary Stamps

Residential Real Estate

  • Title Insurance and Closings
  • Buyer representation
  • Land Trust
  • Seller Representation
  • Title and Contract Review
  • Draft Deeds / Title Transfers

Business Organization

  • Attain TIN
  • Business Formation (LLC, Corporations, Partnerships, etc.)
  • Draft Operating Agreements and Bylaws
  • File Articles of Incorporation with the Secretary of State

Wills and Probate

  • Wills
  • Probate
  • Power of Attorney
  • Title Insurance
  • Health Care Surrogate
  • Living Will

Commercial Real Estate

  • Due Diligence
  • Title Review
  • Draft contracts
  • Title Insurance
  • Buyer Representation
  • Seller Representation

Developer Representation

  • Draft & Establish Condo & Homeowners Association
  • Draft Declaration
  • Draft Developers Contract

Lender Representation

  • Due Diligence
  • Draft Loan Documents
  • Title Review

Commercial Collections

  • Pursue New Debtor Business
  • Garnish Wages
  • Real Estate Levy
  • Forced Sale of
    Business Ownership
  • Charging Lien

Title Insurance

Boca Raton and Palm Beach County title insurance agent, Kristin Lettiere Coomber, P.A. explains the necessity of title insurance: The title to a home or business in Florida is essentially just as important as the structure, itself. Title insurance can protect you in the case of any unexpected ownership claims that may turn up after purchasing your property, keeping both your investment and money safe and secure.

What is a Title Examination and Search?

Whenever you buy property in Florida, your real estate agent will run a title examination and search. This is done to verify the ownership of the property in question. This procedure involves collecting and examining any public records pertaining to the property such as liens, wills, deeds and trusts.

These documents are used to make sure that the property has been properly and legally passed from one owner to another. During the examination and search, it will also be confirmed that any judgments or mortgages pertaining to the property have been taken care of and paid.

How a Title Insurance Agent Can Help You

In most cases, a title examination and search will come back okay. However, there are times when a problem may turn up. These problems, known as defects or clouds, can include such things as missing signatures or easements and need to be settled before you make your purchase final.

In some cases, ownership questions can result in legal battles. When this happens, you may need to pay costly legal fees and risk losing your property. This is when a title insurance agent comes in handy. Boca Raton or Palm Beach County title insurance will pay all of your legal fees, and if you do lose your property, it will reimburse you up to a set policy limit.

Are All Title Insurance Policies the Same?

Just as with any other type of insurance, title insurance in Boca Raton or Palm Beach can include various exclusions. With that said, it is essential that you make sure you know what type of policy that your title insurance agent sells to you. In this way, you will know what is and is not covered.

For example, while some policies offer only limited coverage pertaining to easements, liens or mineral rights problems, some do not offer this coverage at all. Always consider what coverage you think you may need before purchasing a title insurance policy.

Is Title Insurance in Boca Raton and Palm Beach Required?

Most mortgage companies require for you to have some form of title insurance in Boca Raton and Palm Beach. This is because they have a large interest in the property and they do not want to lose money on their investment. If you choose to pay for your property outright though, it is your decision as to whether or not you want to purchase Boca Raton or Palm Beach County title insurance.

Typically, the person who is buying the home is responsible for purchasing title insurance. However, in some cases, the cost may be transferred to the seller. Be sure to contact the law office of Kristin Lettiere Coomber, P.A. today and make an appointment to talk with our experienced attorneys and title agents about your needs.

Call Us: (561) 962-2214