What Is An Uninsured Deed?

An uninsured deed is basically a deed that has not been examined or insured by a title company.

The most common problems that arise due to an uninsured deed are from Quitclaim Deeds between family members, especially husband and wife.

When a person is added to title there is an opportunity for matters recorded against him/her to attached to the property.

Why Should it be of Concern?
In a sale or loan transaction the validity of an uninsured deed may be questioned.
• Was it signed under duress?
• Is it a forgery?
• Was adequate consideration given to the grantor, and if not, why?

Uninsured deeds may also cause a delay in clearing title.

The following items may indicate that an uninsured deed is present.
• The accommodation stamp
• No title company name or title order number
• No escrow number
• A handwritten document
• Recorded time is not 8:00 a.m.

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