What is Title Insurance?

Title insurance safeguards buyers and lenders against financial loss due to defects in a property’s title. Unlike other types of insurance that protect against future events, title insurance focuses on past ownership issues that may threaten the new owner's rights.

Troutman Title and Escrow’s Title Insurance Services:

  1. Title Search & Examination

    • Conducts a detailed title search to uncover potential issues such as liens, unpaid taxes, legal disputes, or ownership conflicts.
    • Ensures the title is clear before issuing an insurance policy.

  2. Owner’s Title Insurance Policy

    • Protects homebuyers from unforeseen claims or defects in ownership history.
    • Covers legal expenses if ownership is challenged after the purchase.

  3. Lender’s Title Insurance Policy

    • Required by mortgage lenders to protect their financial investment.
    • Guarantees that the lender’s lien on the home is valid and enforceable.

  4. Title Issue Resolution

    • If problems arise during the title search, Troutman Title and Escrow works to resolve them before closing.
    • Helps negotiate the removal of liens, clerical errors, or disputes in property ownership.

  5. Protection Against Future Claims

    • If a third party challenges ownership after the purchase, title insurance covers legal fees and potential losses.
    • Protects against fraud, forgery, undisclosed heirs, and recording errors.

Why Choose Troutman Title and Escrow for Title Insurance?

✔ Attorney-Owned Expertise: Unlike many title companies, Troutman is backed by legal expertise, ensuring a more thorough review of title issues.

✔ Trusted Partnerships: They are an authorized agent for Old Republic National Title Insurance Company and Fidelity National Title Insurance, two of the most reputable names in the industry.

✔ Local Market Knowledge: Their deep understanding of Tennessee real estate laws and local property records helps them provide a more reliable and efficient process.

✔ Fast & Efficient Closings: By conducting comprehensive title searches and resolving issues early, they ensure a smooth closing process for buyers, sellers, and lenders.