What Is Evidence of Title?
Evidence of title is the documentation that proves ownership of real property and discloses any claims, liens, or encumbrances affecting the title. In Florida, title insurance is the standard form of evidence of title, providing both proof of ownership and financial protection against title defects.
Forms of Evidence of Title
- Title insurance: The standard in Florida; includes a title search, commitment, and insurance policy
- Abstract of title: A historical summary of all recorded documents affecting the property
- Attorney's title opinion: A legal opinion based on a review of the abstract or title search
- Recorded deed: The conveyance document showing the transfer of ownership
Title Insurance vs. Abstract
- Title insurance: Provides financial protection; covers hidden defects; one-time premium at closing
- Abstract: Historical record only; no financial protection; requires attorney review
- Florida standard: Title insurance is the predominant method used in Florida transactions
What Title Insurance Covers
- Errors in the public records
- Unknown liens or encumbrances
- Forged documents in the chain of title
- Undisclosed heirs claiming ownership
- Defective deeds or recordings
Related Terms
- Encumbrance — Claims disclosed during the title examination
- Title Endorsement — Additional coverage for specific risks
- Closing — Where title insurance is issued
Barnes Walker Title Services
Barnes Walker Title provides comprehensive title evidence for Florida real estate transactions, including title searches, commitments, and title insurance policies. Submit a title inquiry for assistance.
Reviewed by the attorneys at Barnes Walker, Goethe, Shea & Robinson, PLLC