Along with the requirement of disclosure that accompanies every title insurance policy, in the event of a claim, the claimant needs to act in a timely manner.

Therefore at first instance forward a written request for indemnity under the insurance policy and attach a copy of the policy along with it. Within the written request ensure that the indemnity claimed is specifically referred to within the policy and if possible specify the precise term of the policy that relates to the matter.

To combat any inadvertent contention that your claim is yet to be received, it may be prudent to send the claim by registered post.
Along with informing the insurer, a copy of you claim should be forwarded to your legal representative.

A Great Time for a Defect in Title

Often the existence of a defect that has come to the attention of the policy holder will only makes itself apparent when the property is prepared for sale on the market. This may require the observance of an expedient approach and so it will be in the owner’s best interest to address the issue immediately.

Once the insurer has been notified a number of courses of action are available to them, and this most often will instigate an effort on their part to clear the defect through the engaging of their legal representatives. Of course this is an expense covered under the policy and is not be a concern of the claimant, but the predicament may involve the claimant being at risk of economic loss if the matter is not resolved with urgency.

Any loss incurred due to the defect will be evaluated in terms of reasonability ad if an unreasonable amount of time has expired before solution has been reached, the insurer will be required to indemnify the claimant for this detriment suffered as well.

To hasten the process a standard template for claims is often provided by insurers and so if this is the case the claim form ought to be completed and forwarded along with the formal written request and the copy of the policy.

It remains the right of the policy holder to make a claim on the policy, and irrespective of any advice to the contrary, this right ought to be exercised.

Insurers are often large corporations with hundreds of staff comprising numerous departments, and a small but helpful piece of advice is to contact the insurer and ascertain exactly who the claim needs t be presented to. This may be disclosed with n the policy itself, and if so the claim should be addressed to that individual to hasten the process.

Precautions taken by an insurer to avoid having to indemnify claims are reflected in the low volume of claims within the title insurance industry. Thorough searches are routinely administered at the onset of the policy so invariably the emergence of a subsequent challenge to tile is minor or merely the product of an act or omission in error.

Still the seriousness of the matter cannot be ignored, but comfort is to be enjoyed in the fact that it is more likely than that the insurer will be able to rectify the anomaly efficiently.

Resources:

http://ezinearticles.com/?Filing-a-Title-Insurance-Claim&id=991436

http://mlshomequest.com/content/view/12/27/

http://personalinsure.about.com/od/homeowners/a/aa071105a.htm