The following are examples of actual claims on First American title insurance policies from around the globe:

Legal Description Discrepancies
Power Of Attorney
Lack Of Priority Of Mortgage
Ownership In Dispute
Survey Issues
No Occupancy Permit
Legal Description Of Land
No Right Of Access
Fraudulent Discharge Of Mortgage
Encroachment / Survey Issues
Title / Legal Description Defect
Mortgage Enforceability
Mortgage Fraud
Liens And Encumbrances - Mortgage Priority
Undisclosed Lien On Property
Lack Of Compliance With Building Regulations
Identity Fraud
Identity Fraud
Incapacity Of The Borrower

The examples below are of actual title insurance coverages issued by First American in Asia

Missing Title Deeds
Legal Description Discrepancies
Lack Of Priority Of Mortgage

In a refinance case, a charging order was registered against the Property prior to the execution and registration of the new 1st Legal Charge. The solicitors failed to carry out an updated land search before drawdown of the mortgage loan. As a result, the new 1st Legal Charge came after the charging order.

Action: We issued a policy agreeing to pay any loss suffered by the insured lender as a result of the lack of priority.

No Occupancy Permit
No Right Of Access