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Obtain copy of my Owners Title from sale in 2014

This legal question related to real estate title service in MariettaGeorgia has been answered.

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Location: Marietta  |  Law type: real estate title service
Solved

MHS facilitated the closing for a property I purchased in 2014.

  • Pamela E. Brown
  • 1355 Old Coach RD SW,
  • Marietta, GA 30008
  • Closing date  4/25/14
  • Settlement Agent 20-2301589

Inside the closing documents, the Owners Insurance Title policy is not provided.   Is it possible to obtain a copy of this?

All the telephone numbers provided for MHS in my documents are disconnected.

Thanks, Pam

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Legal Solution

The response provided below is specific to real estate title service in the jurisdiction of Marietta. If the response is inadequate, please submit a detailed inquiry.

Retrieving Lost Title Insurance Policy from MHS in Marietta, 2014

Legal Context and Preliminary Information

When you purchase a property, you often receive an Owner's Title Insurance policy. This document ensures you against specific hidden risks that could threaten your home investment. In your situation, it seems the Owners Insurance Title policy is missing from your closing documents facilitated by MHS. Furthermore, MHS's contact details have now become outdated, making direct communication challenging.

Relevant Legal Provisions

Potential Solutions

  1. Contacting the Georgia Real Estate Commission: Given that MHS's contact details are outdated, consider reaching out to the Georgia Real Estate Commission for assistance. They might have updated records or alternative ways to contact MHS.
  2. Legal Retrieval Services: If the above doesn't yield fruitful results, consider using legal document retrieval services. These professionals specialize in obtaining misplaced or missing legal documents.
  3. Seek Legal Assistance: If you're unsure about navigating this on your own, you might want to find the right lawyer specializing in real estate issues in Marietta to guide you.

Pricing for Retrieval and Legal Services in Marietta

Service Average Cost
Document Retrieval Service $150 - $250
Consultation with a Real Estate Lawyer $200 - $400/hr
Comprehensive Legal Assistance (includes document retrieval) $1000 - $3000

Note: Prices can vary based on the complexity of the case and the reputation of the service provider.

Further Clarifications and Call to Action

For a more accurate solution tailored to your unique situation, could you provide any additional information or specifications about the property and transaction?

Don't hesitate! Ask a free legal question to ensure you're taking the right steps.

Questions for Further Consideration

  • Were any intermediaries or agents involved in the transaction apart from MHS?
  • Have you tried contacting the seller or the previous owner for any documentation they might still possess?
  • Is this the only missing document from your closing package, or are there other missing elements?

Q1: How long does the title insurance policy last?

The title insurance policy usually lasts as long as you or your heirs own the property. However, each policy might have its unique terms, so it's crucial to check the specific details.

Q2: What risks does the Owner's Title Insurance cover?

This insurance generally covers any undisclosed heirs, omissions in deeds, mistakes in examining records, and forgery of documents related to the property.

Q3: Can I claim on my policy if an issue arises later?

Yes, if a title dispute arises due to a covered risk, you can claim on your policy. The insurance company would then defend you in court if necessary.

Q4: How does title insurance differ from other types of insurance?

Unlike traditional insurance that protects against future events, title insurance protects against past events and undisclosed issues up until the point of purchase.

Q5: Why is it essential to have an Owner's Title Insurance policy?

It provides peace of mind by protecting your ownership rights against hidden defects in the title. It's a one-time cost that can save you from potential legal fees and losses in the future.

Disclaimer

This content is for informational purposes only and does not establish an attorney-client relationship. It's always recommended to consult with a local attorney about your specific situation.

Written, answered, changed

Legal question "Obtain copy of my Owners Title from sale in 2014" has been changed 7 months 3 weeks ago. Demonstrate your legal skills and willingness to help and answer right now! Issue is related to the location of Marietta & area of law: real estate title service.
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