Title Insurance

Title insurance provides valuable protection against hidden risks that may affect property ownership. We advise clients on the benefits and limitations of title insurance policies for residential, commercial, and agricultural properties. Our firm reviews title matters carefully and works with leading title insurers to ensure clients are protected from potential issues such as undisclosed liens, title defects, and survey irregularities providing peace of mind both during and after closing.

Some examples are:

Existing liens against the title

Outstanding municipal utility charges, provided such charges form a lien on title

Violations of municipal zoning by-laws

Existing work orders

Encroachments onto an adjoining property (other than fences and boundary walls)

Lack of legal access to the property

Setback violations

Unmarketability of the land due to adverse matters that would have been revealed by an up-to-date survey/ RPR/ Building Location Certificate

Realty tax arrears

Fraud, forgery and false impersonation to the extent they affect the validity of title; etc.

While many property purchases have unique circumstances, the Strike & Phillips LLP Real Estate Lawyers typically recommend that buyers obtain a title insurance policy when they buy or refinance a property. Having this policy often pays for itself when compared to the information and work that would be needed without it, such as off title searches and up to date surveys.

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