The attorneys and staff at Redding & Associates, P.A. have over 50 years of combined experience in title insurance and settlement services. They provide title insurance and settlement services for both sellers and purchasers of residential and commercial real properties. The Firm handles services from contract through closing and maintains communication for all parties involved.

You may ask; why should I go to an attorney for my title insurance needs? The real question is why not? In Florida the promulgated rate for the title insurance premium is the same everywhere you go. This means that the premium paid for the policy is no different than if you went to any other title agent, whether they be a corporate agent or an attorney agent. Therefore, having a lawyer acting as your title insurance agent is no more costly than using the average non-attorney, corporate title agent.

A non-attorney, corporate title agent is strictly prohibited by Florida law from giving legal advice, this is called the unlicensed practice of law. Many times at or before the closing you may have questions or concerns that the non-attorney, corporate title agent is not allowed to address. In this case, it is important to have an experienced attorney to ensure that you get the legal advice and protection a non-attorney, corporate title agent cannot, by law, give you.

Having an experienced Florida title insurance attorney involved in and overseeing your closing brings the benefit of having an experienced, and knowledgeable lawyer involved in your closing. The attorneys and staff at Redding & Associates, P.A. pride ourselves in knowing the intricacies and subtle nuances of the contract clauses, the commitment and policy language, and can apply that to assist you in your closing.

For the consumer

Homeownership is one of the ultimate goals in life for most people.  As you approach the day of closing, all the details can be overwhelming. The attorneys and staff at Redding & Associates, P.A. are happy to be a part of this process and will do our best to assist you in closing process. If you are working with a Realtor, we will be happy to provide escrow services, record documentation and issue title insurance pursuant to the contract.

For Realtors

The attorneys and staff at Redding & Associates, P.A. take pride in working with our Realtor referrals. We understand the difficulties of your profession, you are given the task of finding a particular property for the buyer, or when assisting the seller, you are often working toward selling their beloved home for an acceptable price. We know that this process can often be stressful and we do our best to ensure that the closing hassle free. Our mission is to work with the buyers, sellers, Realtors and mortgage lender to ensure a smooth, hassle free closing.

Our Title Insurance services include but are not limited to:

  • Courtesy closings.
  • Title Information Services.
  • Record Owner Searches.
  • Escrow and Closing Services.
  • In Office or Remote Closings.
  • Ownership & Encumbrance Reports.
  • Foreclosure Reports.

The firm is authorized to write title insurance through the following title underwriters:

  • First National Title Insurance Company.
  • Old Republic National Title Insurance Company through Attorney’s Title Fund Services, LLC.
  • Old Republic National Title Insurance Company.

FAQ

What is title insurance?

Title insurance is your policy of protection from financial loss if any problems arise, raising question to your right of ownership of the property. There may be hidden title defects that even the most careful title search will not reveal. Additionally, one’s title insurance policy pays the cost of defending against covered claims. Title insurance, insures that you have clear and marketable title to the property and remains in effect as long as you or your heirs own the property own the property.

What are the payments?

The premium is in direct correlation to the value of your home. The premium is paid only once and is generally less expensive than your annual auto insurance coverage. Even though you only pay for this coverage, it will continue to provide coverage for as long as you or your heirs own the property.

Should I shop around for the best rates for Title Insurance?

This is not necessary, because in Florida the promulgated rate for the title insurance premium is set by the State, so it is the same everywhere you go. This means that the premium paid for the policy is no different than if you went to any other title agent, whether they be a corporate agent or an attorney agent.

But the lender already requires Title Insurance, won't that protect me?

No! There are two types of Title Insurance. Your lender will generally require that you purchase a Mortgagee's Policy. This type of policy will insure the lender as to the priority of their mortgage, and that it has a valid and enforceable lien on the property. Most lenders require their borrower to pay for this coverage.

Conversely, an Owner's Policy will insure the owner of the property against defects to their title that existed prior to the issuance of the policy. Title defects, such as errors in recording documents, liens for unpaid taxes, forgeries, fraud, an improper estate proceeding, or a pending legal action, could put your ownership of the property at risk. If a valid claim is filed, in addition to protections against financial loss up to the face amount of the policy, your owner's policy will cover the costs of any legal defense of your title.