Title Insurance and Settlement Services in Florida

At Kelley, Grant, & Tanis, P.A., we provide comprehensive title insurance and real estate settlement services for buyers, sellers, and investors throughout Florida. Our firm handles closings for residential, commercial, multi-unit, and refinancing transactions, ensuring that each deal is completed smoothly and securely.

Experience Across Client Types

We work with real estate brokers, agents, investors, property managers, and institutional clients, tailoring services to meet their needs. Our attorneys also provide buyer and seller representation, escrow deposit handling, and assistance with related transactional matters.

Attorney-Guided Closings

When you work with our firm, you gain the advantage of having attorneys oversee your transaction. We draw on both transactional and litigation experience to identify and resolve potential risks. As agents for The Fund and Westcor Land Title Insurance Company, we have the resources to handle closings anywhere in Florida.

Integrated Legal Services

In addition to title insurance, we provide related services such as lease drafting, landlord representation in eviction cases, and assistance with security deposit disputes. This integrated approach allows investors and property owners to manage multiple legal needs in one place.

Cost-Effective and Transparent Pricing

We strive to provide high-quality services at competitive rates. Flat fee pricing allows clients to calculate costs upfront without worrying about unpredictable billable hours. Our goal is to make closings efficient, affordable, and legally sound.

Title Insurance FAQs

What does title insurance cover in Florida?

Title insurance protects against hidden risks such as unpaid liens, undisclosed heirs, or errors in public records. Without it, buyers may be responsible for legal and financial claims that surface after closing. Coverage lasts as long as you own the property. Our blog on title insurance coverage in Florida explains common risks.

Is title insurance required in Florida?

Florida law does not mandate title insurance, but lenders typically require it to protect their interests. Even in cash deals, purchasing an owner’s policy is strongly recommended to protect against future claims. Our article on title insurance requirements reviews when it is necessary and why it benefits buyers.

What does the Florida title search process include?

A title search reviews public records to uncover liens, judgments, easements, or ownership disputes. This process helps identify issues before closing that could affect property rights. Our blog on Florida’s title search process explains why it is essential for every real estate transaction.

Who pays for title insurance in Florida?

Responsibility varies by county and can be negotiated in the contract. In some Florida counties, the seller pays for the owner’s policy, while in others, the buyer does. Our article on who pays for title insurance outlines regional practices and how costs are allocated.

How does title insurance protect against property fraud in Florida?

Property fraud, including forged deeds or fraudulent sales, is a growing concern in Florida. Title insurance protects owners and lenders from financial loss caused by fraudulent transfers. Our blog on title insurance and property fraud explains how coverage shields buyers.

What is the difference between a lender’s policy and an owner’s policy?

A lender’s policy protects the mortgage company, while an owner’s policy protects the buyer’s equity. Both are issued at closing but cover different parties. Buyers should always secure an owner’s policy to protect their investment.

Does title insurance cover survey issues?

Standard policies may not cover boundary disputes or encroachments unless specifically added. Enhanced policies or endorsements can provide additional protection. Buyers should review their coverage with an attorney to ensure it matches the property risks.

Can title insurance be transferred to a new buyer?

No, title insurance is not transferable. Each new buyer must purchase their own policy at closing. This ensures ongoing coverage for the current property owner and lender.

How long does title insurance coverage last?

Coverage lasts as long as you or your heirs have an interest in the property. It provides protection even if claims arise decades after the purchase. Unlike other insurance, it is a one-time premium paid at closing.

Why work with a Florida title insurance attorney instead of a title company?

Title companies issue policies but cannot provide legal advice. Attorneys ensure coverage is complete, address contract terms, and resolve disputes if issues arise. Working with a law firm provides both insurance and legal protection in one place.