Are you facing a title dispute in Denver and wondering how title insurance can help?
Title disputes can arise unexpectedly during real estate transactions and property ownership. They can involve claims from previous owners, unresolved liens, or errors in public records. Understanding how to handle these disputes effectively, especially with the help of title insurance, is crucial for any homeowner or buyer in Denver. This blog post will guide you through the process of addressing title disputes and leveraging your title insurance for protection.

Understanding Title Insurance
Title insurance is a form of indemnity insurance that protects property owners and lenders against financial loss from defects in the title to a property. Unlike other insurance types, which protect against future events, title insurance covers issues that may have arisen in the past, such as:
Liens: Claims against the property for unpaid debts.
Ownership disputes: Challenges from previous owners or heirs.
Errors in public records: Mistakes that affect the legitimacy of the title.
When you purchase title insurance, you are investing in a safeguard against these potential risks.
Common Types of Title Disputes
Boundary Disputes: These occur when there are disagreements about property lines, often due to unclear surveys or markings.
Undisclosed Heirs: If a previous owner dies, undisclosed heirs may claim ownership rights, leading to disputes.
Liens and Encumbrances: Unresolved debts tied to the property can create disputes if they are not cleared before the sale.
Fraud: Instances of forgery or identity theft can lead to someone illegally claiming ownership of a property.
Steps to Handle Title Disputes
Review Your Title Insurance Policy
The first step in handling a title dispute is to review your title insurance policy. Understand the coverage provided, including what types of disputes are covered and the process for filing a claim.
Notify Your Title Insurance Company
As soon as you become aware of a title dispute, notify your title insurance company immediately. Provide them with all relevant documentation and details about the issue.
Gather Evidence
Collect all documents related to the dispute, including the original title policy, deeds, surveys, and any communication with the parties involved. Having organized documentation will help in resolving the dispute.
Consult a Real Estate Attorney
Depending on the complexity of the dispute, you may need to consult a real estate attorney. They can provide legal guidance, help negotiate with the other parties involved, and represent your interests if the matter escalates.
File a Claim
If the dispute falls under the coverage of your title insurance policy, file a claim with your insurance company. They will typically conduct an investigation and determine the best course of action to resolve the dispute.
Negotiate a Resolution
In many cases, disputes can be resolved through negotiation. Work with your title insurance company and legal counsel to reach an agreement that satisfies all parties involved.
Prepare for Litigation if Necessary
If negotiations fail, you may need to prepare for litigation. Your title insurance company may provide legal representation or support during this process.
The Role of Chicago Title in Denver
When navigating title disputes in Denver, Chicago Title, led by Jerad Larkin, is here to support you. Here’s how we can assist:
Expert Guidance: Our team has extensive experience handling title disputes and understands the nuances of Denver’s real estate market.
Comprehensive Title Insurance: We offer a range of title insurance products designed to protect your investment and help mitigate risks.
Strong Customer Support: We prioritize clear communication and responsive support throughout the entire process, ensuring you feel confident in your decisions.
Questions? Contact:
If you have questions about handling title disputes or need assistance with your title insurance in Denver, don’t hesitate to reach out. Contact Jerad Larkin at 303.630.9430 or email Info@MileHighTitleGuy.com for a personalized consultation.
Comments