{"id":808,"date":"2017-06-13T14:29:47","date_gmt":"2017-06-13T18:29:47","guid":{"rendered":"https:\/\/secure.titlecompanywebdesign.com\/miamititle\/?page_id=808"},"modified":"2017-06-13T14:29:47","modified_gmt":"2017-06-13T18:29:47","slug":"frequently-asked-questions","status":"publish","type":"page","link":"https:\/\/secure.titlecompanywebdesign.com\/miamititle\/frequently-asked-questions\/","title":{"rendered":"Frequently Asked Questions"},"content":{"rendered":"

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[\/et_pb_fullwidth_post_title][\/et_pb_section][et_pb_section admin_label=”Section” fullwidth=”off” specialty=”on” transparent_background=”off” background_color=”#f3f3f3″ allow_player_pause=”off” inner_shadow=”off” parallax=”off” parallax_method=”off” padding_mobile=”off” make_fullwidth=”off” use_custom_width=”off” width_unit=”on” make_equal=”off” use_custom_gutter=”off” parallax_1=”off” parallax_method_1=”off” parallax_2=”off” parallax_method_2=”off”][et_pb_column type=”2_3″ specialty_columns=”2″][et_pb_row_inner admin_label=”Row”][et_pb_column_inner type=”4_4″ saved_specialty_column_type=”2_3″][et_pb_text admin_label=”Text” background_layout=”light” text_orientation=”left” use_border_color=”off” border_color=”#ffffff” border_style=”solid”]<\/p>\n

What is a title?<\/h4>\n
Simply stated, the title to a piece of property is the evidence that the owner is in lawful possession of that property.<\/div>\n

 <\/p>\n

What is title insurance?<\/h4>\n
Title insurance protects real estate owners and lenders against any property loss or damage they might experience because of liens, encumbrances or defects in the title to the property. Each title insurance policy is subject to specific terms, conditions and exclusions.<\/div>\n

 <\/p>\n

How does title insurance differ from other insurance?<\/h4>\n
Insurance such as car, life, health, etc., protects against potential future events and is paid for with monthly or annual premiums. A title insurance policy insures against events that occurred in the past of the real estate property and the people who owned it, for a one-time premium paid at the close of the escrow.<\/div>\n

 <\/p>\n

What does it cover?<\/h4>\n
Title insurance protects against claims from defects. Defects are things such as another person claiming an ownership interest, improperly recorded documents, fraud, forgery, liens, encroachments, easements and other items that are specified in the insurance policy.<\/div>\n

 <\/p>\n

Who needs it?<\/h4>\n
Purchasers and lenders need title insurance in order to be insured against various possible title defects. The buyer, seller and lender all benefit from issuance of title insurance.<\/div>\n

 <\/p>\n

What is escrow?<\/h4>\n
Escrow refers to the process in which the funds of a transaction (such as the sale of a house) are held by a third party, often the title company or an attorney, pending the fulfillment of the transaction.<\/div>\n

 <\/p>\n

What are the title insurance policy types?<\/h4>\n
The Owner\u2019s Policy insures the new owner\/home buyer, and a lender\u2019s policy insures the priority of the lender\u2019s security interest.<\/div>\n

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Our Partners<\/h3>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row global_parent=”711″ admin_label=”Row” make_fullwidth=”off” use_custom_width=”off” width_unit=”off” custom_width_px=”1080px” custom_width_percent=”80%” use_custom_gutter=”off” gutter_width=”3″ padding_mobile=”off” allow_player_pause=”off” parallax=”off” parallax_method=”on” make_equal=”off” column_padding_mobile=”on” parallax_1=”off” parallax_method_1=”on” parallax_2=”off” parallax_method_2=”on” parallax_3=”off” parallax_method_3=”on” parallax_4=”off” parallax_method_4=”on” disabled=”off”][et_pb_column type=”1_2″][et_pb_image global_parent=”711″ admin_label=”Image” src=”https:\/\/secure.titlecompanywebdesign.com\/miamititle\/wp-content\/uploads\/sites\/57\/2016\/08\/WFG-Logo.png” show_in_lightbox=”off” url=”https:\/\/national.wfgnationaltitle.com\/” url_new_window=”on” use_overlay=”off” animation=”fade_in” sticky=”off” align=”center” force_fullwidth=”off” always_center_on_mobile=”on” use_border_color=”off” border_color=”#ffffff” border_style=”solid”]<\/p>\n

[\/et_pb_image][\/et_pb_column][et_pb_column type=”1_2″][et_pb_image global_parent=”711″ admin_label=”Image” src=”https:\/\/secure.titlecompanywebdesign.com\/miamititle\/wp-content\/uploads\/sites\/57\/2016\/08\/Digital-Closing-Package.png” show_in_lightbox=”off” url_new_window=”off” use_overlay=”off” animation=”fade_in” sticky=”off” align=”center” force_fullwidth=”off” always_center_on_mobile=”on” use_border_color=”off” border_color=”#ffffff” border_style=”solid”]<\/p>\n

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[\/et_pb_divider][\/et_pb_column][\/et_pb_row][et_pb_row global_parent=”711″ admin_label=”Row” make_fullwidth=”off” use_custom_width=”off” width_unit=”on” custom_width_px=”1080px” custom_width_percent=”80%” use_custom_gutter=”on” gutter_width=”2″ padding_mobile=”on” allow_player_pause=”off” parallax=”off” parallax_method=”off” make_equal=”on” column_padding_mobile=”on” background_color_1=”#ffffff” background_color_2=”#ffffff” padding_top_2=”30px” padding_bottom_2=”30px” padding_left_2=”30px” parallax_1=”off” parallax_method_1=”off” parallax_2=”off” parallax_method_2=”off” parallax_3=”off” parallax_method_3=”on” parallax_4=”off” parallax_method_4=”on” disabled=”off”][et_pb_column type=”2_3″][et_pb_map global_parent=”711″ admin_label=”Map” address_lat=”26.1425461″ address_lng=”-80.12354440000001″ mouse_wheel=”on” mobile_dragging=”on” use_grayscale_filter=”off” grayscale_filter_amount=”35″ disabled=”off” saved_tabs=”all” address=”1756 NE 13th St, Fort Lauderdale, FL 33304, USA”]<\/p>\n

[et_pb_map_pin pin_address=”1756 NE 13th St, Fort Lauderdale, FL 33304, USA” pin_address_lat=”26.1425461″ pin_address_lng=”-80.12354440000001″ disabled=”off” title=”Miami Title”] 1756 NE 13th Street
\nFt. Lauderdale, FL 33304 [\/et_pb_map_pin]<\/p>\n

[\/et_pb_map][\/et_pb_column][et_pb_column type=”1_3″][et_pb_text global_parent=”711″ admin_label=”GET IN TOUCH” background_layout=”light” text_orientation=”left” text_font_size_last_edited=”off|desktop” text_line_height=”1.5em” use_border_color=”off” border_style=”solid” disabled=”off” border_color=”#ffffff”]<\/p>\n

Office Location<\/h3>\n

1756 NE 13th Street
\nFt. Lauderdale, FL 33304
\nPhone:<\/strong> 305-842-7805<\/a><\/p>\n

[\/et_pb_text][et_pb_text global_parent=”711″ admin_label=”GET IN TOUCH” background_layout=”light” text_orientation=”left” text_font_size_last_edited=”off|desktop” text_line_height=”1.5em” use_border_color=”off” border_style=”solid” disabled=”off” border_color=”#ffffff”]<\/p>\n

OPEN HOURS<\/h3>\n

Mon-Fri:<\/strong> 8:30 AM – 5:00 PM
\nWeekends:<\/strong> Closed<\/p>\n

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