Colorado Title Insurance Claims: What Homeowners Need to Know
- Jerad Larkin
- 3 hours ago
- 2 min read
Introduction: When Issues Arise After Closing
Most real estate transactions in Colorado close smoothly, but sometimes ownership issues arise later. Many homeowners ask: “How do title insurance claims work in Colorado?”
In this blog, we’ll explain what title insurance claims are, when you can file one, and why Jerad Larkin and Chicago Title Colorado are trusted to guide buyers, sellers, and agents through the process.
What is a Title Insurance Claim?
A title insurance claim is filed when a homeowner experiences a problem with property ownership that should be covered by their title insurance policy.
Common claim situations include:
A previous lien surfaces that wasn’t resolved before closing.
A forged deed or fraudulent transfer is discovered.
An undisclosed heir claims ownership.
Clerical errors in public records cause disputes.
Boundary disputes with neighbors arise.
How the Claims Process Works in Colorado
Identify the Issue
Homeowner discovers a problem (lien, dispute, claim).
Contact the Title Company
Provide details and documentation of the issue.
Review and Investigation
The title company investigates whether the issue is covered under the policy.
Resolution
Covered claims may result in the title company:
Paying off the lien.
Defending the homeowner in court.
Compensating for financial losses.
What’s Covered vs. Not Covered
Covered:
Fraud, forgery, liens, undisclosed heirs, clerical errors, and boundary disputes.
Not Covered:
Future zoning changes.
Environmental hazards.
Issues created by the homeowner after purchase.
Why Claims Matter for Colorado Homeowners
Colorado’s unique property landscape - from mountain cabins to downtown Denver condos - comes with risks. Without title insurance, homeowners could face thousands in legal fees or financial loss.
Real-Life Examples
A Denver homeowner discovered an unpaid contractor’s lien - Chicago Title resolved it under the policy.
A Colorado Springs buyer faced a forged deed - the claim was covered and resolved in court.
A Boulder homeowner avoided financial loss when undisclosed heirs surfaced years later.
Why Choose Chicago Title Colorado
Jerad Larkin and Chicago Title Colorado provide:
Strong claims support with experienced teams.
Educational resources so clients know what’s covered.
Local expertise to help homeowners understand risks.
National financial strength for dependable claims payouts.
Conclusion
So, what should you know about Colorado title insurance claims?
They protect homeowners when ownership issues surface after closing. With Jerad Larkin and Chicago Title Colorado, you gain the backing of a trusted partner who ensures your property rights are protected.
Questions? Contact:
Questions? Contact Jerad Larkin at Chicago Title Colorado.
📞 303.630.9430
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