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<p class="MsoNormal"><span style="font-family:"Verdana",sans-serif;mso-bidi-font-family:"Times New Roman"">This supplemental explains the rights of heirs and beneficiaries to the prior title insurance issued to a decedent.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Verdana",sans-serif;mso-bidi-font-family:"Times New Roman""><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Verdana",sans-serif;mso-bidi-font-family:"Times New Roman"">Basic ALTA Owner's Policy (2006):<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Verdana",sans-serif;mso-bidi-font-family:"Times New Roman""><o:p> </o:p></span></p>
<p class="MsoNormal" style="margin-left:.5in"><span style="font-size:10.0pt;font-family:"Times New Roman",serif">(d)<span style="mso-tab-count:1">
</span>“Insured":<span style="mso-spacerun:yes"> </span>The Insured named in Schedule A.<span style="mso-spacerun:yes">
</span><o:p></o:p></span></p>
<p class="MsoNormal" style="margin-left:.5in"><span style="font-size:10.0pt;font-family:"Times New Roman",serif">(i)<span style="mso-tab-count:1">
</span>the term "Insured" also includes<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-left:.5in"><span style="font-size:10.0pt;font-family:"Times New Roman",serif">(A) successors to the Title of the Insured by operation of law as distinguished from purchase, including heirs, devisees, survivors, personal representatives,
or next of <span class="GramE">kin;</span><span style="mso-spacerun:yes"> </span>
<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-left:.5in"><span style="font-size:10.0pt;font-family:"Times New Roman",serif">...<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-left:.5in"><span style="font-size:10.0pt;font-family:"Times New Roman",serif">(D) a grantee of an Insured under a deed delivered without payment of actual valuable
<span class="GramE">consideration<span style="mso-spacerun:yes"> </span>conveying</span> the Title<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-left:.5in"><span style="font-size:10.0pt;font-family:"Times New Roman",serif">...<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-left:.5in"><span style="font-size:10.0pt;font-family:"Times New Roman",serif">(4)<span style="mso-tab-count:1">
</span>if the grantee is a trustee or beneficiary of a trust created by a written instrument established by the Insured named in Schedule A for estate planning purposes.<span style="mso-tab-count:1">
</span><o:p></o:p></span></p>
<p class="MsoNormal" style="margin-left:.5in"><span style="font-size:10.0pt;font-family:"Times New Roman",serif"><o:p> </o:p></span></p>
<p class="MsoNormal" style="margin-left:.5in"><span style="font-size:10.0pt;font-family:"Times New Roman",serif">(ii)
<span class="GramE">with regard to</span> (A), (B), (C), and (D) reserving, however, all rights and defenses as to any successor that the Company would have had against any predecessor Insured.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Verdana",sans-serif;mso-bidi-font-family:"Times New Roman""><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Verdana",sans-serif;mso-bidi-font-family:"Times New Roman"">Residential ALTA Homeowner's Policy (2013):<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Verdana",sans-serif;mso-bidi-font-family:"Times New Roman""><o:p> </o:p></span></p>
<p class="MsoNormal" style="margin-left:.5in"><span style="font-size:10.0pt;font-family:"Times New Roman",serif">2.<span style="mso-tab-count:1">
</span>CONTINUATION OF COVERAGE<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-left:.5in"><span style="font-size:10.0pt;font-family:"Times New Roman",serif">b.<span style="mso-tab-count:1">
</span>This Policy also insures: <o:p></o:p></span></p>
<p class="MsoNormal" style="margin-left:.5in"><span style="font-size:10.0pt;font-family:"Times New Roman",serif"><span style="mso-spacerun:yes"> </span>(1)<span style="mso-tab-count:1">
</span>anyone who inherits Your Title because of Your <span class="GramE">death;</span>
<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-left:.5in;text-indent:.5in"><span style="font-size:10.0pt;font-family:"Times New Roman",serif">...
<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-left:.5in"><span style="font-size:10.0pt;font-family:"Times New Roman",serif">(3)<span style="mso-tab-count:1">
</span>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
<span class="GramE">Date;</span> <o:p></o:p></span></p>
<p class="MsoNormal" style="margin-left:.5in"><span style="font-size:10.0pt;font-family:"Times New Roman",serif">(4)<span style="mso-tab-count:1">
</span>the beneficiaries of Your Trust upon Your death; or<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-left:.5in"><span style="font-size:10.0pt;font-family:"Times New Roman",serif">(5)<span style="mso-tab-count:1">
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<p class="MsoNormal" style="margin-left:.5in"><span style="font-size:10.0pt;font-family:"Times New Roman",serif">c.<span style="mso-tab-count:1">
</span>We may assert against the insureds identified in Section 2.b. any rights and defenses that We have against any previous insured under this Policy.
<span style="mso-spacerun:yes"> </span><o:p></o:p></span></p>
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<p class="MsoNormal" style="margin-left:.5in"><span style="font-family:"Verdana",sans-serif;mso-bidi-font-family:"Times New Roman""><o:p> </o:p></span></p>
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<p class="MsoNormal" style="margin-left:.5in"><b><span style="mso-fareast-font-family:"Times New Roman"">From:</span></b><span style="mso-fareast-font-family:"Times New Roman""> wsbarp-bounces@lists.wsbarppt.com <wsbarp-bounces@lists.wsbarppt.com>
<b>On Behalf Of </b>Dwight Bickel<br>
<b>Subject:</b> [WSBARP] Title Insurance to Insure Inheritance<o:p></o:p></span></p>
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<p class="MsoNormal" style="margin-left:.5in"><o:p> </o:p></p>
<p class="MsoNormal" style="margin-left:.5in"><span style="font-family:"Verdana",sans-serif;mso-bidi-font-family:"Times New Roman"">With modern title insurance forms, the heirs remain insured and protected by the prior title insurance policy issued to the decedent.
Of course that policy will not insure the validity of the transfer to the heir, or their rights as an heir or a devisee. If there are questions about that probate, or the rights of the transfer, a new title policy would be required. The prior policy dollar
amount may not be a realistic present value of the land. A policy issued twenty years ago will be a low dollar amount, and a lot of time has passed where changes to the property may have occurred.<o:p></o:p></span></p>
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