scary title insurance stories

One scary story is when a family thought they had clear title to their new home. After years of living there, a long - lost relative of the previous owner showed up with a claim to the property. The title insurance company initially tried to avoid paying, causing the family a great deal of stress. They had to fight hard and provide lots of evidence to prove their rightful ownership. Eventually, the title insurance did cover the legal costs, but it was a long and nerve - wracking process.

Do thorough research before buying. Check public records yourself in addition to relying on the title insurance company's search. Also, ask the seller for any known issues with the property title.

Sure. There was a story where a homeowner thought their title insurance covered a mysterious 'ghost' that was said to haunt the property. Turns out it was just the neighbor's overactive imagination. Another one was about a family who found out through title search that their house was once a part of a very small 'country' created by kids in the 1950s for a game. And then there was a case where the previous owner of a property had named all the trees in the yard in the title deed, which caused quite a confusion during the sale process.

In another case, a couple bought a house with a clear title according to the title search. But after a few years, a construction company showed up claiming they had a lien on the property due to unpaid bills from the previous owner. The title insurance dragged its feet in dealing with it. They said the lien was not properly recorded at the time of purchase and so might not be covered. The couple had to hire their own lawyer and fight both the construction company and try to get the title insurance to pay up. It was a long and expensive process.

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A really interesting story was about a house whose title had a claim from a group that thought the land was sacred ground. The title insurance had to prove that all proper procedures were followed for the sale. Also, there was a property where the title search found an old 'deed' that was written in a completely different language and was full of strange symbols. The title insurance company had to work hard to translate and understand it to clear the title. It was quite a saga. There was also a case where the title had a record of a 'pirate's treasure' being buried on the land. Obviously, it was just a legend, but the title insurance had to make sure it didn't cause any legal issues.

Homeowners should thoroughly review the title insurance policy before buying. Make sure it clearly states what is covered and what isn't.

A well - known insurance fraud story is about a car owner who claimed his car was completely totaled in an accident. He provided photos of a severely damaged vehicle. However, the insurance company's forensic team found that the damage was actually caused by the owner himself after the fact. He had deliberately damaged the car further to get a higher payout. Insurance companies use advanced techniques to detect such frauds nowadays.

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Well, you could go for titles like 'The Abandoned Asylum', which immediately gives a sense of dread. Another one could be 'The Deadly Doll' as dolls can be really creepy in a horror story. And 'The Fog of Fear' is also a good one, as fog often creates an atmosphere of mystery and danger in horror stories.