Homeowners can face several common types of title claims, including:
Ownership Disputes: Conflicts over who legally owns the property, often arising from unclear or conflicting deeds.
Liens: Claims against the property for unpaid debts, such as taxes, mortgages, or contractor work, which can affect ownership.
Fraud or Forgery: Instances where someone falsely claims ownership or forges signatures on documents related to the property.
Easements: Claims that allow others to use part of the property, which can limit how the homeowner uses their land.
Errors in Public Records: Mistakes in the official property records that can lead to disputes over ownership or property boundaries.
Unknown Heirs: Claims from relatives or heirs of previous owners who may have a legal right to the property.
Understanding these potential claims highlights the importance of title insurance in protecting homeowner investments.