<div style="font-family: Arial, sans-serif; font-size: 14px;">Similarly to WFG, we don't have a strict rule against insuring through a TODD. It's a risk assessment, and we will ask for a bunch of information, get a LOPA, check with DSHS, etc, before deciding whether to insure. It just depends on the circumstances.</div><div style="font-family: Arial, sans-serif; font-size: 14px;"><br></div><div style="font-family: Arial, sans-serif; font-size: 14px;">Jen</div><div style="font-family: Arial, sans-serif; font-size: 14px;"><br></div>
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<p class="MsoNormal"><i><b>Jennifer M. Johnson</b></i></p><p class="MsoNormal"><b style="font-size: 0.875rem;">Title Officer | Attorney</b></p><p class="MsoNormal"><span style="font-size: 0.875rem;">Wahkiakum Title & Escrow Co.</span></p><p class="MsoNormal"><span style="font-size: 0.875rem;">Hanigan Law Office, PS</span></p><p class="MsoNormal"><span style="font-size: 0.875rem;">68 Main Street / P.O. Box 39</span></p><p class="MsoNormal"><span style="font-size: 0.875rem;">Cathlamet, WA 98612</span></p><p class="MsoNormal"><span style="font-size: 0.875rem;">(360) 795-3494</span></p><p class="MsoNormal"><span style="font-size: 0.875rem;">(360) 795-3001 (f)</span></p><p class="MsoNormal"><span style="font-size: 0.875rem;"><a href="http://www.wahtitle.com">www.wahtitle.com</a></span></p><div><br></div><div><span><strong data-start="1373" data-end="1400">Confidentiality Notice:</strong> This message and any attachments are intended only for the individual or entity to whom they are addressed and may contain information that is confidential, legally privileged, or otherwise protected from disclosure. If you are not the intended recipient, please notify the sender immediately and delete this message.</span><br></div><p><span><b>Disclaimer Notice:</b><span> </span>Email communication on the internet is NOT secure.<span> </span>There is a risk that this communication may be intercepted illegally, waiving any implied or explicit attorney-client or work-product privileges.</span><br></p><div><br></div>
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On Tuesday, June 9th, 2026 at 1:02 PM, Eva Luchini <eva@luchinilaw.com> wrote:<br>
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Hello,</div>
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At the section conference this weekend, it was mentioned that title companies will not allow TODD beneficiaries of real property to turn around and sell the property. Even after the 6months following publication of nonprobate notice to creditors. </div>
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So title companies won’t insure title on a sale until 24 months have passed.</div>
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But I contacted WFG national title and asked if they required a 24 month wait and was told that they don’t:</div>
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<span style="font-family: Aptos, sans-serif; font-size: 12pt; color: rgb(33, 33, 33);">"But as a title company, we can still assess our risk by treating it like a LOP transaction. So a recent death with a TODD may result in us asking for full LOPA, but it does
not mean that we cannot insure for 24 month. And if everything is in alignment, many times we will vest through with a TODD once the death cert is recorded with an excise affidavit <img alt="�" id="m_4350235250616853595m_1663827267122789331_x0000_i1030" width="19" height="19" style="width: 0.2083in; height: 0.2083in; max-width: 100%; margin-top: 0px; margin-bottom: 0px;" class="proton-embedded" src="cid:8D7DCF66-DD37-4CCC-8AE9-81CBE0A58461"></span></p>
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<span style="font-family: Aptos, sans-serif; font-size: 16px; color: rgb(33, 33, 33);">Any thoughts on this?</span></p>
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<span style="font-size: 12.5pt;"><b><i>Eva M. Luchini,</i></b></span><span style="font-size: 10pt;"><b><i> JD, CAP</i></b></span></div>
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