Fort Lauderdale Title Insurance Lawyer

Are you looking for a title insurance lawyer in Fort Lauderdale, FL?

At Loshak Law PLLC, we provide title insurance representation grounded in more than 13 years of work on behalf of clients in Fort Lauderdale.

If a lien, ownership gap, or policy exception delays a Fort Lauderdale closing, the title must be cleared before the property can be insured. Our Fort Lauderdale, FL title insurance lawyer examines the record, resolves the defects the underwriter identifies, and issues the policy that protects your ownership.

Loshak Law PLLC is an authorized title agent, so the same attorneys who represent you in the transaction prepare the search, the commitment, and the final policy. We handle residential and commercial matters. Contact us to schedule a consultation.

Title Insurance Lawyer Fort Lauderdale, FL

A title insurance attorney reviews the public record for a property, identifies anything that could limit or defeat ownership, and arranges the insurance that covers the buyer or lender against those risks. Two policies are common. The lender’s policy protects the loan amount, and the owner’s policy protects the buyer’s ownership interest for as long as the buyer or the buyer’s heirs hold title.

Florida received the third-highest number of internet crime complaints in the country in 2024, behind only California and Texas, according to the FBI’s annual report. Fraudsters frequently target closing funds and recorded deeds, which is one reason title review now includes verifying identities and wiring instructions, as well as the chain of ownership.

Types of Title Insurance Cases We Handle in Fort Lauderdale

Title matters in Fort Lauderdale arise before closing, at closing, and sometimes years afterward. Our title insurance attorneys represent buyers, sellers, borrowers, and investors in the following matters.

• Title examination and commitment review. We search the chain of ownership and recorded instruments and review every requirement and exception in the commitment. Each exception narrows the title insurance coverage the buyer receives, so we identify items we can remove before the policy issues.
• Liens, judgments, and unpaid assessments. Mortgages, code enforcement liens, association assessments, and judgments against a seller must be paid or released before the buyer takes title. We obtain payoff figures and confirm each satisfaction is recorded after closing.
• Estate and probate title defects. A deceased owner’s interest cannot pass cleanly without probate administration or another court proceeding. When a Florida parcel belonged to someone who lived in another state, ancillary probate is often required before an insurer will issue a policy.
• Quiet title and boundary conflicts. Competing claims, old easements, and survey discrepancies can cloud ownership. We resolve these through corrective instruments where the parties cooperate and through a quiet title action where they do not.
• Title insurance claims. We handle a covered defect that appears after closing through a claim under the owner’s or lender’s policy. We prepare the notice of claim, gather the recorded evidence, and pursue the insurer’s obligation to defend or pay under the policy terms.
• Real estate closings. As the title agent on the transaction, we coordinate the commitment, curative work, and closing documents so the policy can issue when the deed and mortgage are recorded. We confirm wiring instructions through verified channels before any funds move.
• Commercial real estate. Commercial acquisitions often involve leases, access easements, and lender requirements that call for policy endorsements. We review the survey and exceptions against the buyer’s intended use and negotiate the endorsements the transaction needs.
• Property held in trusts and entities. Title held by an LLC or a trust requires proof of authority from the person signing. For buyers deciding whether to title a property in a trust, we explain how that choice affects the title policy and later transfers.

Why Choose Loshak Law PLLC as My Title Insurance Lawyer in Fort Lauderdale, FL?

Title Problems Identified Before the Closing Date

Loshak Law PLLC is approved as an authorized title agent for Old Republic Title through The Fund. The search, exception review, curative work, policy issuance, and disbursement of funds all take place within our firm, without a third-party title agency. Clients who come to us for a purchase or refinance have a real estate lawyer in Fort Lauderdale, FL and a title agent in the same firm. Buyers, sellers, and lenders have closed transactions totaling millions of dollars with us.

Legal Background of Brandon F. Loshak

Before founding Loshak Law PLLC, Brandon F. Loshak practiced at one of the nation’s largest law firms. Martindale-Hubbell has awarded him an AV Preeminent rating, its highest peer rating for legal ability and ethical standards. He is admitted in Florida and Texas and received his J.D. from St. Thomas University School of Law. His undergraduate degree in finance from the University of Colorado at Boulder, along with prior work in oil, gas, and mineral acquisitions, informs how he reviews title to income-producing and commercial property.

What Is Important To Understand About Title Insurance Cases?

What Is The Title Insurance Case Timeline?

Title work starts as soon as the contract is signed and continues after closing. The steps below reflect a typical financed purchase.

1. The title search is ordered, and the chain of ownership, liens, and recorded instruments are examined.
2. The title commitment is issued with its list of requirements and exceptions.
3. Curative work follows: we request payoffs, obtain releases, and prepare missing documents.
4. At closing, the deed and mortgage are signed, funds are disbursed, and the instruments are sent for recording.
5. After recording, the final owner’s and lender’s policies are issued.

Title Defects, Policy Coverage, and Exceptions

A title commitment has two working parts. The requirements are the conditions that must be satisfied before the policy issues, such as recording a release or producing a death certificate. The exceptions are matters the policy will not cover, including recorded easements, restrictions, and anything a current survey would reveal if no survey is obtained.

The owner’s title policy protects the buyer against covered claims that arose before the purchase, such as unpaid taxes or contractor claims from a prior owner’s work. The lender’s policy protects only the lender. Endorsements add coverage for specific risks, and commercial transactions frequently require several. Some defects are cured before closing. Others are insured over with the underwriter’s approval, which we review with the client in advance.

What Should You Bring to Your Title Insurance Consultation?

The documents below help us determine whether the issue can be cured before closing or requires a claim or court proceeding.

• The purchase contract or the deed by which you acquired the property
• The title commitment or existing title policy
• The most recent survey
• Any lien notices, estoppel letters, or correspondence from the insurer
• Probate or trust documents if a prior owner has died or title is held in a trust

At the consultation, we tell you whether the issue can be cured before closing, insured over with the underwriter’s approval, or must be pursued through the insurer or the court.

What Are Important Aspects of a Title Insurance Case?

Wire fraud is now part of title practice. Criminals impersonate closing agents and send false wiring instructions, and a buyer who loses closing funds should notify the bank immediately and file a complaint with the FBI’s Internet Crime Complaint Center. The FBI’s 2025 internet crime report recorded more than $275 million in real estate fraud losses nationwide. Our procedures confirm wiring instructions through independently verified contact information.

Timing also applies after closing. Title policies require the insured to notify the insurer promptly of a claim, and delays can complicate coverage. A lawsuit on a written contract, which includes a title insurance policy, generally must be filed within five years under Florida’s limitations statute, and an action founded on negligence must be filed within two years.

Not every problem is a covered loss. A defect listed as an exception in the policy, or one created after the policy date, falls outside coverage, and the policy language determines which category applies.

Fort Lauderdale Lien Searches and Local Title Resources

The City of Fort Lauderdale reports its liens and other interests against real property through an online municipal lien search. Title and escrow agents routinely request these reports, and they handle payoff questions through the same system.

Unpaid property taxes are billed and collected by the Broward County Tax Collector, which also publishes notices for delinquent taxes and tax deed auctions. Delinquent taxes can become a tax certificate, which is a lien on the property.

Mortgage foreclosures and quiet title actions are filed with the Circuit Civil Division of the Broward County Clerk of Courts, which also administers foreclosure sales.

Reach Out to Loshak Law PLLC to Schedule a Consultation

A title question is easier to resolve while the closing date is still weeks away, and a post-closing claim benefits from prompt notice to the insurer. Loshak Law PLLC represents buyers, sellers, and lenders throughout Broward County in both situations. Contact us to schedule a consultation with our Fort Lauderdale title insurance lawyer.