Protecting Your Property Rights

CALIFORNIA TITLE COMPANY HAS A VESTED INTEREST IN THE CONSUMERS OF THE STATE OF CALIFORNIA.

Protecting Your Property Rights

Califor nia CONSUMER REPORT CALIFORNIA TITLE COMPANY HAS A VESTED INTEREST

IN THE CONSUMERS OF THE STATE OF CALIFORNIA.

JANUARY 2018 ISSUE

The information contained herein is deemed to be reliable, but it is not guaranteed. California Title Company assumes no responsibility for errors or omissions. Images may be subject to copyright. ©2017 California Title Company.

CALIFORNIA TITLE AND COUNTY RECORDER IS CLOSED JANUARY 1st for NEW YEAR'S DAY.THE COUNTY RECORDER WILL BE CLOSED JANUARY 15th IN OBSERVATION of MARTIN LUTHER KING JR. DAY, CAL TITLE WILL BE OPEN.

ONLINE PROPERTY INFORMATION Through our Title Advantage system you can pull property information from any state in the U.S. 24 hours a day, 7 days a week. NEW Delivered Property Profile Request option!

NET ADVANTAGE A Closing Cost Estimator for real estate transactions that is available in desktop and mobile ver-sions with real-time wireless sync.

QUICK NET SHEETS Create fast and easy net advantage reports. With Quick Net Sheets you are able to create a Net Advantage report in just a few seconds. No need for property address, start with very few inputs and all your net sheets are in one place - quick or standard.

ONLINE INFORMATION LIBRARY We have compiled a wealth of information for agents and consumers alike. You’ll find title insurance and real estate-related articles as well as local community information, event blogs and maps.

TAKE A PICTURE... GET THE INFO! Our users love the ability to get property information, characteristics, sales data, comps and more just by taking a picture of the prop-erty!

FARM PRO Premium paid leads and resources available through our website to enhance your farming experience.

SOCIAL MEDIA Stay up-to-date with the latest market news, trends and events within the local markets we support. Fol-low us Facebook, Instagram and Twitter.

www.facebook.com/caltitle

www.twitter.com/CalTitleCo

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INTEGRATED WALKING FARM • Create and name your own Custom Farms• Swipe over houses on a map to create a Farm• Change prospecting status• “Heat Ranking” from 1-5 with color coding• Sort by address, status, or Heat Score• Ownership occupancy, property info, etc.• Multiple notes per property ordered by date• Synced in real time with your computer• Export/Send the Farm via email, text, etc.

CTC MOBILE You can create, view and email Property Profile reports, browse through previously created Property Profiles and even view property information based on your GPS location. Using the app is FREE - just log in with your normal California Title/Title Advantage login. Automatically synchronized with our desktop website.

With the tools right for you!

Title Insurance will protect you against a loss on your home or land due to a title defect.

A deed or mortgage in the chain of title may be a forgery.

Claims constantly arise due to marital status and validity of divorces.

A deed or mortgage may have been made by an incompetent or under aged person.

A deed or mortgage made under an expired power of attorney may be void.

A deed or mortgage may have been made by a person with the same name as the owner.

A child born after the execution of a will may have interest in the property.

Title transferred by an heir may be subject to a federal estate tax lien.

An heir or other person presumed dead may appear and recover the property or an interest.

A judgment regarding the title may be voidable because of some defect in the proceeding.

By insuring the title you can eliminate delays when passing your title on to someone else.

Title Insurance reimburses you for the amount of your covered loss.

Title Insurance helps speed negotiations when you’re ready to sell or obtain a loan.

A deed or mortgage may be voidable if signed while the grantor was in bankruptcy.

Claims have risen dramatically over the last 30 years.

There may be a defect in the recording of a document upon which your title is dependent.

Title Insurance covers attorneys’ fees and court costs.

Many lawyers protect their clients as well as themselves,by procuring title insurance.

A deed or mortgage may have been procured by fraud or duress.

A title policy is paid in full by the first premium for as long as you own the property.

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1. Someone else owns an interest in your title.2. A document is not properly signed.3. Forgery, fraud, duress, incompetency.4. Defective recording of a document.5. Unmarketability of title.6. Restrictive covenants.7. Lack of a right of access to and from the land.

8. Mechanics lien protection.9. Forced removal of structure - encroachments.

10. Forced removal of structure - restrictions.11. Forced removal of structure - zoning.12. Cannot use land for SFR due to zoning or restrictions.13. Unrecorded liens by the homeowner’s association.14. Unrecorded easements.15. Others have rights arising out of leases, contracts or

options.16. Pays rent for substitute housing.17. Plain language.18. *Buildings permit violations - forced removal. 19. *Subdivision Map Act violations.20. *Zoning violations - forced removal.21. *Boundary wall or fence encroachment.22. Restrictive covenant violations.23. Post-policy defect in title.24. Post-policy contract or lease rights.25. Post-policy forgery.26. Post-policy easement.27. Post-policy limitation on use of land.28. Post-policy encroachment by neighbor other than wall of

fence.29. Enhanced access - vehicular and pedestrian.30. Damage to structure from use of easement.31. Street address is correct.32. Map shows correct location of the land.33. Exercise of mineral rights.34. Sale falls due to neighbor’s encroachments.35. Living trust coverage.36. Coverage for spouse acquiring through divorce.37. Automatic policy increase up to 150%.38. Forced removal due to building setbacks.39. Discriminatory covenants.40. Insurance coverage forever.41. A taxing authority assesses supplemental real estate

taxes not previously assessed against the land for anyperiod before the policy date because of construction ora change of ownership or use that occurred before thepolicy date.

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Preliminary Order & Title Search are Opened

Customer Service Verifies Legal Property Description & How Title

To Real Property Is Held

Preliminary Search of

Real Property

Examiner Reviews Complete Search Package &

Writes Preliminary Report

Preliminary Title Information is Entered into Computer &

Prepares Preliminary Report

Messenger Service Delivers Preliminary Reports and/or Electronic Prelim

is Emailed to Escrow, Lender & Agents

Title Officer Reviews File With Escrow & Other Parties Within the Transaction. Action Taken As Necessary To Clear Ownership

Issues, Liens, Court Actions Or Other “Clouds” On Title

Title Search Examines Real Property Records, General

Index Records & Tax Records

New Documents, Demands & Statement of Information

Submitted to California Title Company

Escrow Authorizes Recording of New Documents in the Transaction

Documents are Recorded, Confirmation of Recording is Received & Liens of Record are

Paid Off Title Officer Writes Title Policies

Data Processor Prepares Final Title Policies

Title Policies Released to Client

OF TITLE INSURANCE

BACK TO THE BASICS

THE LIFE OF A TITLE SEARCH

It is a contract of indemnity which guarantees that the title is as reported and, if not reported and the owner is damaged, the title policy covers the insured for their loss up to the amount of the policy.

Title insurance assures owners that they are acquiring marketable title. Title insurance is designed to eliminate risk or loss caused by defects in title from the past. Except as provided under the CLTA/ALTA Homeowner’s Policy, Title Insurance only provides coverage for title matters which were in existence as of the date the policy was issued.W

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COMPARISON OF TITLE INSURANCE COVERAGE

San Diego Farmers Markets Ongoinghttp://sdfarmbureau.org/BuyLocal/Farmers-Markets.php

San Diego Food Trucks Ongoingwww.sdfoodtrucks.com

San Diego Spring Home Show Jan 5-7Our events feature a wide selection of home improvement professionals in a fun, interactive environment. After meeting with and comparing our expert exhibitors, we know you'll be inspired and motivated to start planning with confidence. http://www.homeshowsandiego.com

San Diego Resolution Run 5k & 15k Jan 7Start your year right with a San Diego run that is good for the body and good for the world. The San Diego Resolution Run 5K & 15K event will take runners on a waterfront course from along Mission Bay, while raising funds for San Diego Roots Sustainable Food Project.www.sandiegoresolutionrun.com

Poway Winter Festival Jan 12-13Whether you're building a snowman, sledding down the snow hill, roasting marshmallows by the campfire, making silly faces in our free photo booth, or taking a spin around the synthetic skate rink; there is bound to be something for everyone!http://poway.org/893/Winter-Festival

Gem Faire Jan 12-14Fine jewelry, precious & semi-precious gemstones, millions of beads, crystals, gold & silver, minerals & much more at manufacturer’s prices. Over 70 exhibitors from around the world. Jewelry repair & cleaning while you shop. Free hourly door prizes.www.gemfaire.com

San Diego Multi-Cultural Festival Jan 13The Festival will showcase San Diego's rich cultural diversity and traditional heritage through live music, dance performances, storytelling, children's activities (drum circles, face painting and crafts), and a wide range of ethnic vendors. The Festival will include a variety of multi-cultural entertainment from Native American, Asian, Cajun, Latin, Jazz and Afro-Cuban bands.http://www.sdmulticultural.com/

San Diego Travel & Adventure Show Jan 13-14At the San Diego Travel & Adventure Show, you’ll meet with thousands of destination experts from around the world who can help you personalize the trip that’s right for you. Meet face-to-face with your favorite travel celebrities such as Samantha Brown, Rudy Maxa, Peter Greenberg and more on the Travel Theater. https://travelshows.com/sandiego

2018 Carlsbad Marathon & Half Marathon Jan 14Carlsbad is a winter marathon and half marathon unlike any other. From our ideal weather conditions to our spectacular coastal course, our award winning event will wow you. Our 26 fully staffed course support stations, continuous entertainment and unsurpassed volunteer support are just a few of our outstanding features. https://www.inmotionevents.com/event/carlsbad-marathon

38th Annual Martin Luther King Jr. Day Parade Jan 14This is one of the largest celebrations of its kind in the United States in honor of Dr. Martin Luther King Jr. The parade is filled with dazzling floats, phenomenal High School Bands, Drill Teams, College, Fraternities & Sororities, Churches, Peace and Youth organizations.http://www.alpha-zsl.org/mlkdayparade.html

Monster Jam Jan 20Monster Jam is one of the world's largest and most famous monster truck tour featuring some of the biggest names in monster trucks.https://www.monsterjam.com/en-US/events/san-diego-ca

San Diego Restaurant Week Jan 21-28The 14th Annual San Diego Restaurant Week returns Sunday, January 21st through Sunday, January 28th with a FEAST for the senses at over 180 participating restaurants. Dine deliciously at restaurants offering prix-fixe menu options throughout San Diego County. This foodie-favorited week is the perfect time to take a culinary tour throughout the diverse and thriving food culture of San Diego.https://www.sandiegorestaurantweek.com

Farmers Insurance Open 2018 Jan 25-28The PGA TOUR’s Farmers Insurance Open is played annually at the Torrey Pines Golf Course in La Jolla, home of the 2008 & 2021 U.S. Open. Come enjoy everything San Diego has to offer! The ocean views, the world-class competition, and fan attractions including, The Michelob ULTRA Zone, Fan Village, autograph areas, a variety of locally themed concession stands and much more!https://www.farmersinsuranceopen.com

2018 San Diego Sunroad Marina Boat Show Jan 25-28If you are a boater, don’t miss this once a year event! We’ll have the brands and companies you’ve come to know and love, as well as new marine services and products, free boating seminars, boat rides, libations and more! http://bigbayboatshow.com/

Silly Sock Run Walk 5k Jan 27Get silly with us, and don't forget your silly socks! This event is fun for the whole family, even your four-legged friends. There will be prizes for best-dressed feet, face painting for the kids, a one-mile route, and even a kids dash. All levels and ages are welcome. All proceeds benefit the Clubfoot C.A.R.E.S. Organization, a U.S.-based, nonprofit advocacy group educating the public about clubfoot and eradicating stigmas.https://sillysockrunwalk5k.redpodium.com

Visit our website for more title related news and information! WWW.CALTITLE.COM

JANUARY 2018San Diego Events Calendar