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</o:shapelayout></xml><![endif]--></head><body lang=EN-US link=blue vlink=purple><div class=WordSection1><p class=MsoNormal><a name="_MailEndCompose"><span style='color:#1F497D'>Thank you, everyone, for so much useful information. It does sound like consulting with the title insurer would be an important step. <o:p></o:p></span></a></p><p class=MsoNormal><span style='color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='color:#1F497D'>Best wishes,<o:p></o:p></span></p><p class=MsoNormal><span style='color:#1F497D'>Sharon<o:p></o:p></span></p><p class=MsoNormal><span style='color:#1F497D'><o:p> </o:p></span></p><div><p class=MsoNormal><span style='font-size:9.0pt;font-family:"Verdana","sans-serif";color:black'>Sharon C. Rutberg<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:9.0pt;font-family:"Verdana","sans-serif";color:black'>Attorney at Law<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:9.0pt;font-family:"Verdana","sans-serif";color:black'>1718 NW 56<sup>th</sup> Street, Suite 304<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:9.0pt;font-family:"Verdana","sans-serif";color:black'>Seattle, WA 98107<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:9.0pt;font-family:"Verdana","sans-serif";color:black'>Website: </span><a href="http://www.sharonrutberglaw.com"><span style='font-size:9.0pt;font-family:"Verdana","sans-serif";color:blue'>www.sharonrutberglaw.com</span></a><span style='font-size:9.0pt;font-family:"Verdana","sans-serif";color:black'> <o:p></o:p></span></p><p class=MsoNormal><span style='font-size:9.0pt;font-family:"Verdana","sans-serif";color:black'>206-409-2604<o:p></o:p></span></p><p class=MsoNormal><a href="mailto:email@sharonrutberglaw.com"><span style='font-size:9.0pt;font-family:"Verdana","sans-serif";color:blue'>email@sharonrutberglaw.com</span></a><span style='font-size:9.0pt;font-family:"Verdana","sans-serif";color:black'><o:p></o:p></span></p><p class=MsoNormal><span style='font-size:9.0pt;font-family:"Verdana","sans-serif";color:black'>Washington State Bar #47055<br>D.C. Bar #420576<br><br>NOTICES<br>The contents of this message and any attachments may be protected by the attorney-client privilege, work product doctrine, and/or other applicable protections. If you are not the intended recipient or have received this message in error, please notify the sender and promptly delete the message. Thank you for your assistance.<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:9.0pt;font-family:"Verdana","sans-serif";color:black'><o:p> </o:p></span></p><p class=MsoNormal style='margin-bottom:16.2pt;background:white'><span style='font-size:9.0pt;font-family:"Verdana","sans-serif";color:#1F497D'>IRS Circular 230 Disclaimer: To ensure compliance with requirements imposed by the IRS, we inform you that to the extent this communication contains advice relating to a Federal tax issue, it is not intended or written to be used, and it may not be used, for (i) the purpose of avoiding any penalties that may be imposed on you or any other person or entity under the Internal Revenue Code or (ii) promoting or marketing to another party any transaction or matter addressed herein.</span><span style='font-size:9.0pt;font-family:"Verdana","sans-serif";color:#1F497D'><o:p></o:p></span></p></div><p class=MsoNormal><span style='color:#1F497D'><o:p> </o:p></span></p><div><div style='border:none;border-top:solid #B5C4DF 1.0pt;padding:3.0pt 0in 0in 0in'><p class=MsoNormal><b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'>From:</span></b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'> wsbapt-bounces@lists.wsbarppt.com [mailto:wsbapt-bounces@lists.wsbarppt.com] <b>On Behalf Of </b>John McCrady<br><b>Sent:</b> Thursday, June 18, 2015 3:20 PM<br><b>To:</b> WSBA Probate & Trust Listserv<br><b>Subject:</b> Re: [WSBAPT] title question<o:p></o:p></span></p></div></div><p class=MsoNormal><o:p> </o:p></p><p class=MsoNormal><span style='color:#003300'>I recommend reviewing the title policy; for instance the Alta Homeowner’s Policy (rev 2013) states that the<o:p></o:p></span></p><p style='margin-left:30.0pt;line-height:15.0pt'><span style='font-size:10.5pt;font-family:HelveticaNeueETW01-55Rg;color:black'>b. This Policy also insures:<o:p></o:p></span></p><p style='margin-left:60.0pt;line-height:15.0pt'><span style='font-size:10.5pt;font-family:HelveticaNeueETW01-55Rg;color:black'>(1) anyone who inherits Your Title because of Your death;<o:p></o:p></span></p><p style='margin-left:60.0pt;line-height:15.0pt'><span style='font-size:10.5pt;font-family:HelveticaNeueETW01-55Rg;color:black'>(2) Your spouse who receives Your Title because of dissolution of Your marriage;<o:p></o:p></span></p><p style='margin-left:60.0pt;line-height:15.0pt'><span style='font-size:10.5pt;font-family:HelveticaNeueETW01-55Rg;color:black'>(3) the trustee or successor trustee of Your Trust or any Estate Planning Entity created for You to whom or to which You transfer Your Title after the Policy Date;<o:p></o:p></span></p><p style='margin-left:60.0pt;line-height:15.0pt'><span style='font-size:10.5pt;font-family:HelveticaNeueETW01-55Rg;color:black'>(4) the beneficiaries of Your Trust upon Your death; or<o:p></o:p></span></p><p style='margin-left:60.0pt;line-height:15.0pt'><span style='font-size:10.5pt;font-family:HelveticaNeueETW01-55Rg;color:black'>(5) anyone who receives Your Title by a transfer effective on Your death as authorized by law.<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:10.5pt;font-family:HelveticaNeueETW01-55Rg;color:black'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:10.5pt;font-family:HelveticaNeueETW01-55Rg;color:black'>The 2006 ALTA Owner’s Policy contains a similar provision.<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:10.5pt;font-family:HelveticaNeueETW01-55Rg;color:black'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:10.5pt;font-family:HelveticaNeueETW01-55Rg;color:black'>Endorsements are available, and usually for a nominal cost, but perhaps the existing policy provides the needed protections.</span><span style='color:#003300'><o:p></o:p></span></p><p class=MsoNormal><span style='color:#003300'><o:p> </o:p></span></p><div><p class=MsoNormal><span style='font-family:HelveticaNeueETW01-55Rg;color:#003300'>John McCrady<o:p></o:p></span></p><p class=MsoNormal><span style='font-family:HelveticaNeueETW01-55Rg;color:#003300'>Counsel</span><span style='color:#003300'><o:p></o:p></span></p><p class=MsoNormal><span style='color:#003300'>Puget Sound Title Company<o:p></o:p></span></p><p class=MsoNormal><span style='color:#003300'>5350 Orchard Street West<o:p></o:p></span></p><p class=MsoNormal><span style='color:#003300'>University Place WA 98466<o:p></o:p></span></p><p class=MsoNormal><span style='color:#003300'>253-476-5721<o:p></o:p></span></p></div><p class=MsoNormal><span style='color:#003300'><o:p> </o:p></span></p><div><div style='border:none;border-top:solid #E1E1E1 1.0pt;padding:3.0pt 0in 0in 0in'><p class=MsoNormal><b>From:</b> <a href="mailto:wsbapt-bounces@lists.wsbarppt.com">wsbapt-bounces@lists.wsbarppt.com</a> [<a href="mailto:wsbapt-bounces@lists.wsbarppt.com">mailto:wsbapt-bounces@lists.wsbarppt.com</a>] <b>On Behalf Of </b>Mike Winslow<br><b>Sent:</b> Thursday, June 18, 2015 2:21 PM<br><b>To:</b> 'WSBA Probate & Trust Listserv'<br><b>Subject:</b> Re: [WSBAPT] title question<o:p></o:p></p></div></div><p class=MsoNormal><o:p> </o:p></p><p class=MsoNormal><span style='color:#1F497D'>Which leads me to the suggestion that when deeding out to create community property from separate property, or when funding a revocable living trust, the client should be advised to consider obtaining an endorsement under their original title policy to insure the transfer.<o:p></o:p></span></p><p class=MsoNormal><span style='color:#1F497D'>Can one deeding separate property to create community property obtain such an endorsement, or do they need to apply for new title insurance coverage?<o:p></o:p></span></p><p class=MsoNormal><span style='color:#1F497D'><o:p> </o:p></span></p><div><p class=MsoNormal><span style='color:#1F497D'>Michael A. Winslow<o:p></o:p></span></p><p class=MsoNormal><span style='color:#1F497D'>1204 Cleveland Ave.<o:p></o:p></span></p><p class=MsoNormal><span style='color:#1F497D'>Mount Vernon, WA 98273<o:p></o:p></span></p><p class=MsoNormal><span style='color:#1F497D'>Ph. 360-336-3321<o:p></o:p></span></p><p class=MsoNormal><span style='color:#1F497D'>Em. <a href="mailto:Mike@winslegal.com">Mike@winslegal.com</a><o:p></o:p></span></p><p class=MsoNormal><span style='color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='color:#1F497D'>This message is from an attorney, so it’s confidential. If you are not the intended recipient, it’s too late to stop reading this message, but you may not use it for any improper purpose. Huge Disclaimer available upon request.<o:p></o:p></span></p></div><p class=MsoNormal><span style='color:#1F497D'><o:p> </o:p></span></p><div><div style='border:none;border-top:solid #B5C4DF 1.0pt;padding:3.0pt 0in 0in 0in'><p class=MsoNormal><b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'>From:</span></b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'> <a href="mailto:wsbapt-bounces@lists.wsbarppt.com">wsbapt-bounces@lists.wsbarppt.com</a> [<a href="mailto:wsbapt-bounces@lists.wsbarppt.com">mailto:wsbapt-bounces@lists.wsbarppt.com</a>] <b>On Behalf Of </b>John McCrady<br><b>Sent:</b> Thursday, June 18, 2015 1:35 PM<br><b>To:</b> WSBA Probate & Trust Listserv<br><b>Subject:</b> Re: [WSBAPT] title question<o:p></o:p></span></p></div></div><p class=MsoNormal><o:p> </o:p></p><p class=MsoNormal><span style='font-family:"Arial","sans-serif"'>My choice of which deed to use for a conveyance should be governed by what warranties of title I am comfortable making.<o:p></o:p></span></p><p class=MsoNormal><span style='font-family:"Arial","sans-serif"'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-family:"Arial","sans-serif"'>If I am the insured under an Owner’s Policy of Title Insurance, upon my conveyance of the land the coverages of my policy will continue only to the extent to which I am liable under covenants of warranty in my deed out. <o:p></o:p></span></p><p class=MsoNormal><span style='font-family:"Arial","sans-serif"'>Using a Bargain and Sale Deed, I warrant title only as follows:<o:p></o:p></span></p><p class=MsoNormal style='margin-left:.5in'><span style='font-family:"Arial","sans-serif"'>“That the grantor was seized of an indefeasible estate in fee simple, free from encumbrances, done or suffered from the grantor, except the rents and services that may be reserved, and also for quiet enjoyment against the grantor, his or her heirs and assigns..”<o:p></o:p></span></p><p class=MsoNormal><span style='font-family:"Arial","sans-serif"'>So my title policy would continue to protect me to the extent that I suffer a covered loss under those warranties. Of course under its terms the title policy would not cover me for most matters “created, suffered or assumed” by me.<o:p></o:p></span></p><p class=MsoNormal><span style='font-family:"Arial","sans-serif"'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-family:"Arial","sans-serif"'>On the other hand, the Statutory Warranty Deed includes more complete warranties of title, so my title policy coverages would continue to protect me for a more extensive list of matters.<o:p></o:p></span></p><p class=MsoNormal><span style='font-family:"Arial","sans-serif"'><o:p> </o:p></span></p><p class=MsoNormal><span style='color:#993366'><o:p> </o:p></span></p><p class=MsoNormal><span style='color:#993366'><o:p> </o:p></span></p><div><p class=MsoNormal><span style='font-family:HelveticaNeueETW01-55Rg;color:#993366'>John McCrady<o:p></o:p></span></p><p class=MsoNormal><span style='font-family:HelveticaNeueETW01-55Rg;color:#993366'>Counsel</span><span style='color:#993366'><o:p></o:p></span></p><p class=MsoNormal><span style='color:#993366'>Puget Sound Title Company<o:p></o:p></span></p><p class=MsoNormal><span style='color:#993366'>5350 Orchard Street West<o:p></o:p></span></p><p class=MsoNormal><span style='color:#993366'>University Place WA 98466<o:p></o:p></span></p><p class=MsoNormal><span style='color:#993366'>253-476-5721<o:p></o:p></span></p></div><p class=MsoNormal><span style='color:#993366'><o:p> </o:p></span></p><div><div style='border:none;border-top:solid #E1E1E1 1.0pt;padding:3.0pt 0in 0in 0in'><p class=MsoNormal><b>From:</b> <a href="mailto:wsbapt-bounces@lists.wsbarppt.com">wsbapt-bounces@lists.wsbarppt.com</a> [<a href="mailto:wsbapt-bounces@lists.wsbarppt.com">mailto:wsbapt-bounces@lists.wsbarppt.com</a>] <b>On Behalf Of </b>Mike Winslow<br><b>Sent:</b> Thursday, June 18, 2015 11:41 AM<br><b>To:</b> 'WSBA Probate & Trust Listserv'<br><b>Subject:</b> Re: [WSBAPT] title question<o:p></o:p></p></div></div><p class=MsoNormal><o:p> </o:p></p><p class=MsoNormal><span style='color:#1F497D'>John,<o:p></o:p></span></p><p class=MsoNormal><span style='color:#1F497D'>Do you recommend use of a Bargain and Sale Deed. I have heard that this or a warranty deed will “preserve” prior title insurance coverage, whereas a QCD will affect prior title coverage. I understand that there is no new title coverage invoked by use of a warranty deed.<o:p></o:p></span></p><p class=MsoNormal><span style='color:#1F497D'>Mike<o:p></o:p></span></p><p class=MsoNormal><span style='color:#1F497D'><o:p> </o:p></span></p><div><p class=MsoNormal><span style='color:#1F497D'>Michael A. Winslow<o:p></o:p></span></p><p class=MsoNormal><span style='color:#1F497D'>1204 Cleveland Ave.<o:p></o:p></span></p><p class=MsoNormal><span style='color:#1F497D'>Mount Vernon, WA 98273<o:p></o:p></span></p><p class=MsoNormal><span style='color:#1F497D'>Ph. 360-336-3321<o:p></o:p></span></p><p class=MsoNormal><span style='color:#1F497D'>Em. <a href="mailto:Mike@winslegal.com">Mike@winslegal.com</a><o:p></o:p></span></p><p class=MsoNormal><span style='color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='color:#1F497D'>This message is from an attorney, so it’s confidential. If you are not the intended recipient, it’s too late to stop reading this message, but you may not use it for any improper purpose. Huge Disclaimer available upon request.<o:p></o:p></span></p></div><p class=MsoNormal><span style='color:#1F497D'><o:p> </o:p></span></p><div><div style='border:none;border-top:solid #B5C4DF 1.0pt;padding:3.0pt 0in 0in 0in'><p class=MsoNormal><b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'>From:</span></b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'> <a href="mailto:wsbapt-bounces@lists.wsbarppt.com">wsbapt-bounces@lists.wsbarppt.com</a> [<a href="mailto:wsbapt-bounces@lists.wsbarppt.com">mailto:wsbapt-bounces@lists.wsbarppt.com</a>] <b>On Behalf Of </b>John McCrady<br><b>Sent:</b> Thursday, June 18, 2015 10:46 AM<br><b>To:</b> WSBA Probate & Trust Listserv<br><b>Subject:</b> Re: [WSBAPT] title question<o:p></o:p></span></p></div></div><p class=MsoNormal><o:p> </o:p></p><p class=MsoNormal><span style='color:#1F497D'>If you are going to record the Community Property Agreement there is no need to also record a deed. <o:p></o:p></span></p><p class=MsoNormal><span style='color:#1F497D'>If there are aspects of the Agreement you do not wish to make public, then recording the deed makes sense.<o:p></o:p></span></p><p class=MsoNormal><span style='color:#1F497D'><o:p> </o:p></span></p><div><p class=MsoNormal><span style='font-family:HelveticaNeueETW01-55Rg;color:#1F497D'>John McCrady<o:p></o:p></span></p><p class=MsoNormal><span style='font-family:HelveticaNeueETW01-55Rg;color:#1F497D'>Counsel</span><span style='color:#1F497D'><o:p></o:p></span></p><p class=MsoNormal><span style='color:#1F497D'>Puget Sound Title Company<o:p></o:p></span></p><p class=MsoNormal><span style='color:#1F497D'>5350 Orchard Street West<o:p></o:p></span></p><p class=MsoNormal><span style='color:#1F497D'>University Place WA 98466<o:p></o:p></span></p><p class=MsoNormal><span style='color:#1F497D'>253-476-5721<o:p></o:p></span></p></div><p class=MsoNormal><span style='color:#1F497D'><o:p> </o:p></span></p><div><div style='border:none;border-top:solid #E1E1E1 1.0pt;padding:3.0pt 0in 0in 0in'><p class=MsoNormal><b>From:</b> <a href="mailto:wsbapt-bounces@lists.wsbarppt.com">wsbapt-bounces@lists.wsbarppt.com</a> [<a href="mailto:wsbapt-bounces@lists.wsbarppt.com">mailto:wsbapt-bounces@lists.wsbarppt.com</a>] <b>On Behalf Of </b>Sharon Rutberg<br><b>Sent:</b> Thursday, June 18, 2015 9:36 AM<br><b>To:</b> <a href="mailto:wsbapt@lists.wsbarppt.com">wsbapt@lists.wsbarppt.com</a><br><b>Subject:</b> [WSBAPT] title question<o:p></o:p></p></div></div><p class=MsoNormal><o:p> </o:p></p><p class=MsoNormal>Hello, Listmates –<o:p></o:p></p><p class=MsoNormal><o:p> </o:p></p><p class=MsoNormal>Clients are a married couple. He purchased the house they live in before they married and only his name is on the title. She helps pay the mortgage. They wish to have it treated as community property. <o:p></o:p></p><p class=MsoNormal><o:p> </o:p></p><p class=MsoNormal>We are doing a simple Community Property Agreement stating that the house is their community property (as well as clarifying the status of some other property). Do you see any compelling reason also to create a new deed naming them both as owners? I suppose he would quitclaim to the two of them as a married couple. <o:p></o:p></p><p class=MsoNormal><o:p> </o:p></p><p class=MsoNormal>As always, thanks for your wise guidance.<o:p></o:p></p><p class=MsoNormal><o:p> </o:p></p><p class=MsoNormal>Sharon<o:p></o:p></p><p class=MsoNormal><o:p> </o:p></p><p class=MsoNormal><span style='font-size:9.0pt;font-family:"Verdana","sans-serif";color:black'>Sharon C. Rutberg<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:9.0pt;font-family:"Verdana","sans-serif";color:black'>Attorney at Law<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:9.0pt;font-family:"Verdana","sans-serif";color:black'>1718 NW 56<sup>th</sup> Street, Suite 304<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:9.0pt;font-family:"Verdana","sans-serif";color:black'>Seattle, WA 98107<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:9.0pt;font-family:"Verdana","sans-serif";color:black'>Website: <a href="http://www.sharonrutberglaw.com">www.sharonrutberglaw.com</a> <o:p></o:p></span></p><p class=MsoNormal><span style='font-size:9.0pt;font-family:"Verdana","sans-serif";color:black'>206-409-2604<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:9.0pt;font-family:"Verdana","sans-serif";color:black'><a href="mailto:email@sharonrutberglaw.com">email@sharonrutberglaw.com</a><o:p></o:p></span></p><p class=MsoNormal><span style='font-size:9.0pt;font-family:"Verdana","sans-serif";color:black'>Washington State Bar #47055<br>D.C. 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Thank you for your assistance.<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:9.0pt;font-family:"Verdana","sans-serif";color:black'><o:p> </o:p></span></p><p class=MsoNormal style='margin-bottom:16.2pt;background:white'><span style='font-size:9.0pt;font-family:"Verdana","sans-serif"'>IRS Circular 230 Disclaimer: To ensure compliance with requirements imposed by the IRS, we inform you that to the extent this communication contains advice relating to a Federal tax issue, it is not intended or written to be used, and it may not be used, for (i) the purpose of avoiding any penalties that may be imposed on you or any other person or entity under the Internal Revenue Code or (ii) promoting or marketing to another party any transaction or matter addressed herein.<o:p></o:p></span></p><p class=MsoNormal><o:p> </o:p></p></div></body></html>