If you’re getting ready to buy a property in Florida, there’s a lot to keep track of. While it would be nice to think you could offer a price on a home, it would be accepted and everything would be clear sailing throughout the entire transaction, that’s hardly ever the case. After all, buying a home is a major life event – for most people, their home is the most expensive purchase they’ll ever make. That means it’s important to take extra care to ensure the property you’re buying is free and clear of liens and “encumbrances” that could transfer over to you as the new owner. And having adequate title insurance is the way to do just that.
Title insurance plays an important role in the real estate buying process, ensuring the property you’re purchasing and its title are yours free and clear. Getting title insurance begins with a thorough search of the property’s records to ferret out any liens against it. Unfortunately, many home buyers make the mistake of thinking they can save a few dollars on closing and simply rely on a seller’s claims of a clear title. Some even think they can do the research themselves to ensure the property has a clear title. And that can have disastrous results. Many claims can be very difficult to track down – so difficult, in fact, that many title insurance companies offer only the minimum coverages and assurances when a basic policy is sold. When a thorough and complete search isn’t performed, any liens that are still attached to the property or its title can – and will – be passed on to you, the new owner.
The best way to protect yourself against title claims is to make sure you have a knowledgeable Florida Real Estate attorney to perform your search and construct your title insurance policy. In addition to constructing the best possible title protection for you and your property, an experienced Florida title lawyer can play an essential role at closing, making sure you receive the appropriate credits and reviewing documents before signing for the smoothest possible transaction.
At Palma Law Group, we’re experienced in helping Florida home buyers get the title insurance they need based on all local and state laws and regulations for the most comprehensive protection. If you’re considering buying a home, learn how we can help protect your interests. Call us at 772-669-3909 or drop us an email at info@palmalawgroup.com so we can schedule your free consultation today.

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