Title Insurance

Title Insurance Closing Attorney, Montague Law — Serving Amelia Island and Fernandina Beach, FL

When it comes to title insurance closings, Montague Law provides legal services throughout the title insurance process—advising clients, reviewing title commitments, resolving defects, and ensuring full legal compliance from contract to closing. Unlike a traditional title agent, Montague Law offers attorney-led guidance to protect client interests every step of the way.

To support this work, Montague Law partners with First American Title Insurance to conduct comprehensive title research and underwriting. This collaboration allows clients to benefit from the legal protections of a Florida real estate attorney while also leveraging the resources of one of the nation’s top title insurance providers.

With more than a decade of experience in Florida real estate law, Montague Law brings deep legal knowledge, transactional precision, and personalized attention to every closing.

What is Title Insurance?

Title insurance protects buyers and lenders from unknown risks or defects in the property’s title. Common issues include:

• Undisclosed liens
• Ownership or heirship disputes
• Improper legal descriptions
• Easements, encroachments, or access issues
• Fraud or errors in public records

Under Florida law (§627.7841), buyers are entitled to receive clear and marketable title at closing. Title insurance exists to uphold that right—covering potential losses and providing defense in the event of a future claim.

Why do I need Title insurance?

At Montague Law, we understand that navigating real estate transactions can be daunting. However, having reliable title insurance can provide you with peace of mind, allowing you to focus on the other aspects of property ownership.

Our title insurance services offer you protection against:

• Defects in title that might compromise your ownership rights
• Undisclosed encumbrances or claims against the property
• Adverse matters recorded after your title commitment but before the final transaction

Title insurance also allows you to focus on your property investment goals without worrying about unforeseen legal issues. By securing a clear and marketable title, you can enjoy your property with confidence, knowing you’re protected.

Why Choose a Title Insurance Closing Attorney Instead of a Title Agent?

While many property owners wait until they’re under contract to think about title insurance, involving a Title Insurance Closing Attorney early in the process can help identify legal risks, clarify contract terms, and ensure a smooth path to closing. Unlike a title agent, a closing attorney can provide legal advice, resolve title defects, and represent your interests throughout the transaction.

Title insurance is also not a one-and-done consideration. Over time, changes to your property or ownership status can affect your title. Maintaining a relationship with a Title Insurance Closing Attorney ensures that your coverage remains current and that any issues are addressed before they become problems. You may need to revisit your title insurance when:

• You make additions or renovations to the property
• Ownership changes due to marriage, divorce, or inheritance
• New liens or claims are recorded against the property
• You refinance or lease the property

A local, attorney-led title partner like Montague Law can help you stay ahead of these challenges. By regularly reviewing your title and legal status, we make sure your ownership is protected and your title insurance coverage reflects your current needs.

This level of legal oversight gives clients peace of mind—not only at the time of purchase but throughout the life of the property.

Backed by First American Title Insurance

Montague Law is proud to partner with First American Title Insurance, a nationally recognized leader in the title insurance industry. Through this partnership, clients receive fast, accurate title searches, advanced underwriting support, and efficient closings backed by a top-tier title company.

This combination of local legal insight and national underwriting strength gives clients a level of confidence and protection that’s difficult to match.

The Value of Title Insurance

Even in straightforward transactions, hidden title issues can surface—sometimes years after closing. That’s why title insurance is essential. Montague Law ensures clients are protected from:

• Financial losses due to undisclosed title defects
• Legal fees associated with defending ownership claims
• Mistakes in public records or title indexing
• Issues related to past conveyances or mortgages

When to Involve a Title Insurance Closing Attorney

Montague Law recommends involving a closing attorney early in the process—ideally before signing a purchase agreement. Early legal review helps clients:

• Avoid surprises in the chain of title
• Clarify contract obligations and contingencies
• Understand and mitigate risks
• Coordinate clean closings with realtors, surveyors, and lenders

Insights from Case Law

Florida’s rich body of case law provides further clarity and guidance on title insurance, influencing how policies are interpreted and applied. As your title insurance advocate, I bring my deep understanding of this body of law to every transaction, ensuring your interests are protected.

Some notable cases and their impact:

• McDaniel v. Lawyers’ Title Guar. Fund—This case emphasizes the principle that ambiguities in title insurance policies are to be construed against the insurer, favoring the insured.
• Blessing v. American Title and Insurance Co.—Distinguishes between policies ensuring marketability of title versus those covering actual losses due to title defects.
• Preferred Title v. Seven Seas Resort—Explores the operational aspects of title insurance, including risk evaluation, policy issuance, and the appropriateness of charges for services when a policy is not issued.
• Commonwealth v. Higgins and Morton v. Attorneys’ Title, Inc.—These cases discuss regulatory and liability issues, such as mandatory premium rates and exceptions for defects revealed by accurate surveys.

Why Choose Us?

✅ Attorney-Led Closings – Every transaction includes built-in legal protection

✅ Dual Role – Legal advice and licensed title services from one source

✅ Boutique Firm Attention – Personalized service and transparent pricing, backed by big law experience

✅ National Title Partner – Powered by First American Title Insurance

✅ Closings Without the Chaos – Clear communication, no surprises, just smooth transactions

Contact Us Today

Ready to secure your real estate investments? Contact Us to discuss your title insurance needs. Let’s ensure your property transactions in Amelia Island and Fernandina Beach are smooth, secure, and legally compliant.