Can a Title Claim Happen After You Buy a Home?
Yes — and it happens more often than you think.
Many homeowners assume that once they've closed on a property, any title issues are behind them. Unfortunately, that's not always the case. Title claims can surface months or even years after a real estate transaction closes.
Common Post-Closing Title Issues
- •Previously unknown heirs who claim an interest in the property
- •Forged or fraudulent documents in the chain of title
- •Clerical errors in public records
- •Undisclosed liens or judgments from prior owners
Why Owner's Title Insurance Matters
This is exactly why owner's title insurance exists. Unlike other insurance policies that protect against future events, title insurance protects against past events — problems that existed before your purchase but weren't discovered during the title search.
At Cottonwood Title & Escrow, we conduct thorough title examinations before every closing. And we strongly encourage every buyer to purchase an owner's title insurance policy to protect their investment long after the closing table.
What Happens If a Claim Arises?
If a title claim does arise after closing, your title insurance company will defend you in court and cover financial losses up to your policy amount — giving you peace of mind that your home is truly yours.