Tampa Bay Hispanic Chamber of Commerce
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Tampa Bay Hispanic Chamber of Commerce
Pinella ’ s Chapter Luncheon
@ The Belleviw Biltmore Resort . Special Guests : Tampa Bay Devil Rays !
Keith Landry , Reporter / Anchor for Fox 35 News in Orlando with Jolie Gonzalez , Publisher of Latin Times Magazine .
Installation Luncheon for the Hispanic Professional Women ’ s Association @ The Columbia Restaurant in Ybor City
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Title Insurance : What does your Premium really pay for ?
An important part of title is its emphasis on risk elimination before insuring . This gives you , as the policyholder , the best possible chance for avoiding title claim and loss .
Title insuring begins with a search of public land records affecting the real estate concerned . An examination is conducted by the title agent or attorney on behalf of his underwriter to determine whether the property is insurable . The examination of evidence from a search is
intended to fully report all “ material objections ” to the title . Frequently , documents that don ’ t clearly transfer title are found in the “ chain ”, or history that is assembled from the records in a search . Here are some examples of documents that can present concerns :
• Deeds , wills and trusts that contain improper wording or incorrect names
• Outstanding mortgages and judgments , or a lien against the property because the seller has not paid his taxes
• Easements that allow constructions of a road or utility line
• Pending legal action against the property that could affect a purchaser
• Incorrect notary acknowledgments
Through the search and examination , title problems are disclosed so that they can be corrected whenever possible . However , even the most careful preventative work can not locate all hidden title hazards .
Respectfully submitted by : Marlene Butkus Stewart Title of Tampa 813-872-9898 Hablo Español mbutkus @ stewart . com www . StewartTampa . com
Stewart Title of Tampa provides comprehensive real estate closing services and issues real estate title insurance . We ’ ve been in the Tampa Bay area for 50 years and have closed and written title insurance for much of Tampa . We ’ re growing -- we now have seven strategically located offices . Our newest branch is in Land O ’ Lakes !! We are also located in Brandon , Carrollwood , Lakeland , New Port Richey ( Allied Title ), South Tampa and Temple Terrace . Call Stewart Title of Tampa with a contract today – we ’ re ready to serve you .
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