SUBMITTING A CLAIM
Please complete the Notice of Claim Form to start a claim.
Our agents will do all they can to help you ahead of closing to mitigate risk and keep claims down to a minimum, yet we recognize the business is not entirely without risk and title claims sometimes happen.
Information we request on new claims form
- Insured’s contact information, as well as the contact information for the person submitting the claim on the Insured’s behalf;
- A copy of the Policy, or if a final policy has not been issued, a copy of the commitment and signed settlement statement and signed closing disclosures;
- A copy of the documents evidencing the alleged title defect, and a brief description of the title issue.
The form, along with any information or documentation referencing the claim or matter, can be submitted to email@example.com or delivered by mail to Alliant National Title Insurance Company, P.O. Box 623339 Oviedo, Florida 32762-3339, Attention: Claims Department.
Alliant National agents, who must forward all notices of a claim a timely and complete manner, may review How to Submit a Title Claim on the Agent Resource Center for more information.
For consumers who need more information about submitting a title claim, please contact the Claims Department at 877-788-9800, ext. 425.
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Recent Blog Posts
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- Tips for Avoiding or Reducing Title Insurance Claims
- Obtaining Payoff Statements Directly from the Lender
Alliant National Title Insurance Controller Gordon Hampton Retires.
Thank you for being an amazing example through the years. Your dedication and hard work are really inspiring. You will be missed, but enjoy your retirement!
Alliant National’s Regional Counsel Jeff Stein was a featured contributor in PropLogix’s Title Industry Insights for 2019.
For the article, title insurance leaders share perspectives on topics that should be top of mind for settlement agents in 2019.
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By Martin R. Ufford Member
Hinkle Law Firm,LLC
I’ve had the privilege of representing title insurance companies and their insureds for the past ten years.
Each claim represents a unique challenge. With the benefit of hindsight, I have reached some conclusions that may assist agents and local counsel in avoiding claims.
Looking to avoid title claims related to unpaid mortgages and deeds of trust? We offer 4 tips
Our Claims Team has received various claims related to unpaid mortgages and deeds of trust. Here are two scenarios we have seen arise in the context of a claim:
The agent receives a payoff statement from the seller. The seller sends an email requesting the payoff from the lender and copies the agent on the email.
The agent relies on the email and the payoff statement to wire funds to the lender.
Later, it is discovered that the email address for the lender is fake, and the bank account receiving the payment was held by the seller, not the lender.
The agent reaches out to the lender for a payoff statement. However, the closing date is approaching, and the lender has not responded.
The seller provides the agent with a printout showing a zero-balance owed on the account. The agent contacts the lender once again for a payoff statement.
The lender confirms over the phone that a zero balance is owed. The agent closes the transaction based on these representations.
Later, it is determined the original lender confirmed a zero-balance due because the loan had been sold to another lender.
An assignment of the mortgage had been recorded, and the current holder of the notes filed to foreclose.
Here are 4 tips to help you avoid these types of claims:
- Always obtain a payoff statement directly from the lender. Do not rely on payoff statements provided by other parties. Your request for a payoff should include a letter of authorization from the borrower, the loan number, the property address, the borrower’s name and your fax number or email address.
- Only rely on a payoff statement sent by the current holder of the note. Check the MERS system, (if the mortgage is a MERS loan), and the public records for the last assignee.
- Be mindful of working with hard money lenders – hard money lenders may assign their interests off the record. (See Bulletin 2017-02 and Claims Title Tip dated September 18, 2017 discussing hard money lenders .)
- Obtain separate payoff statements directly from each lender with an interest in the property being sold or refinanced. Do not rely on representations from the borrower or other institutions regarding the balance of a loan.