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List of Forms by Chapter
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Chapter 1 — An Overview of Title Insurance and the Title Insurance Industry
- I. [1.1] Introduction
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II. [1.2] Historical Background
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III. [1.9] The Nature of Title Insurance
- [1.10] Forms of Title Insurance Policies
- [1.11] Owner’s Policy
- [1.12] Loan Policy
- [1.13] Hidden Risks
- [1.14] Fraud, Forgery, or Duress in the Execution of Instruments
- [1.15] False Impersonation
- [1.16] Conditional Conveyance
- [1.17] Voidable Instruments
- [1.18] Undisclosed Parties in Interest
- [1.19] Lack of Delivery
- [1.20] Errors in the Public Records
- Contrasts and Comparisons with Other Types of Insurance
- [1.21] When the Insurance Premium Is Paid
- [1.22] The Amount of Coverage
- [1.23] The Effective Date
- [1.24] What the Policy Term Is
- [1.25] Whether Coverage Is Provided over Existing or Future Risks
- [1.26] Insurable Title Insurance Risks and How They Are Dealt With
- [1.27] Boundary Line Concerns
- [1.28] Excessive Reliance on the Title Commitment
- [1.29] Legal Descriptions
- [1.30] Zoning Matters
- [1.31] Access to Private Roads
- [1.32] Gaps and Gores Between Multiple Tracts of Land
- [1.33] Time Gap Between Examination and Recordation
- [1.34] Summary Comparison of Title Insurance with Casualty Insurance
- IV. [1.35] Title Insurers: Indemnifiers Against Loss or Guarantors of Title?
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V. Types of Interests Insured
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VI. Regulatory Control
- VII. [1.45] Reinsurance
- VIII. [1.46] Coinsurance
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IX. [1.47] Selecting the Title Insurer
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X. Resolving Title Issues
- [1.53] Underwriting Issues That May Arise
- Points To Consider in Resolving Underwriting Issues
- [1.54] Speak Directly with the Decision-Maker
- [1.55] Disclose All Facts, Even Adverse Facts, Accurately
- [1.56] Be Conversant with the Applicable Law, but Defer Extensive Research
- [1.57] Consider Creative Alternatives
- [1.58] Argue That Liability Already Exists
- XI. [1.59] Conclusion
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XII. [1.60] Appendix
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Chapter 2 — The 2016 ALTA Commitment for Title Insurance
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Chapter 3 — The 2006 ALTA Owner’s Policy and Loan Policy
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Chapter 4 — Special Policies
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Chapter 5 — Endorsement Forms
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Chapter 6 — Related Issues
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Chapter 7 — Claims and Litigation
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Chapter 8 — 2006 ALTA Loan Policy with Mechanics Lien Endorsements for Construction Lenders
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Richard F. Bales
Richard F. Bales
Richard F. Bales is Assistance Regional Counsel at Chicago Title Insurance Company in Lisle. He concentrates his practice in real estate law. He is a member of the American Land Title Association/National Society of Professional Surveyors liaison committee that drafts the national land title survey standards, was recognized as Northern Illinois University College of Law’s 2015 Alum of the Year, and is the author of THE GREAT CHICAGO FIRE AND THE MYTH OF MRS O’LEARY’S COW. Mr. Bales received his B.A. from Illinois College and his J.D. from Northern Illinois University College of Law.
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Paul C. Cozzi
Paul C. Cozzi
Paul C. Cozzi is Vice President — Senior Underwriting Counsel at Fidelity National Title Group, Inc., in Chicago. He concentrates his practice on real estate, insurance, and regulatory. He was President of the Illinois Land Title Association (ILTA) from 2009 to 2010 and a Member of the ILTA’s Legislative and Title Counsel Committees and the American Land Title Association’s Native American Lands Committee. Mr. Cozzi received his B.S. from North Central College and his J.D. from the University of Illinois College of Law.
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Jadranka A. Cruciger
Jadranka A. Cruciger
Jadranka A. Cruciger is Associate Commercial Counsel for National Commercial Services at Chicago Title Insurance Company in Chicago where she concentrates her practice on local commercial title insurance. She is a member of the Illinois and California State Bar Associations and the Chicago Loop Alliance.
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Jerry T. Gorman
Jerry T. Gorman
Jerry T. Gorman is Senior Vice President of Attorneys’ Title Guaranty Fund, Inc., in Champaign. His concentration is in real estate and title insurance. He is a Member of the American Land Title Association Forms Committee. Mr. Gorman received his B.S. from University of Colorado and his J.D. from the Indiana University Maurer School of Law.
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Peter M. King
Peter M. King
Peter M. King has a multifaceted litigation practice with King Holloway Lipinski LLC in Chicago and Glen Ellyn, dedicated to representing parties in real estate disputes and employers in labor and employment matters. He is a member of the Illinois Land Title Association and the Defense Research Institute. He also served an externship with the Special Prosecutions Bureau of the Cook County State’s Attorney’s Office in Chicago. Mr. King received his undergraduate degree from Eastern Illinois University and his J.D. from The John Marshall Law School.
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Andrew D. Lundberg
Andrew D. Lundberg
Andrew D. Lundberg is Vice President and Senior Underwriting Attorney for UCCPlus, where he concentrates on underwriting complex energy transactions and multiple tranche mezzanine loans. He received his M.B.A. from DePaul University’s Kellstadt Graduate School of Business and his J.D. from DePaul University College of Law.
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Frank Pellegrini
Frank Pellegrini
Frank Pellegrini is Principal at Pellegrini & Cristiano in Oak Park, where he focuses his practice on real property. He served as President of the American Land Title Association from 2012 to 2013, President of the Illinois Land Title Association from 2004 to 2005, and a member of the Illinois State Bar Association’s Real Estate Section Council. Mr. Pellegrini received his B.S. from DePaul University and his J.D. from DePaul University College of Law.
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Paul Peterson
Paul Peterson
Paul Peterson is Vice President and Senior Underwriter at Chicago Title Insurance Company and Fidelity National Title Insurance Company in Chicago, where he focuses on construction law. He is President of the Society of Illinois Construction Attorneys, Chair of the Illinois State Bar Association Construction Law Section Council, and recipient of the Illinois Land Title Association President’s Award. Mr. Peterson received his J.D. from Chicago-Kent College of Law.
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Samuel A. Shiel
Samuel A. Shiel
Samuel A. Shiel is Vice President/Midwest Underwriting Counsel at AmTrust Title Insurance Company in Chicago, where he primarily focuses on title insurance. He is a former member of the Illinois Land Title Association, the current Chair of the Title Counsel Committee for the Illinois Land Title Association, and licensed to practice law in Michigan and Illinois. Mr. Shiel received his B.A. from Michigan State University and his J.D. from the University of Detroit Mercy School of Law.
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Gary M. Zimmerman
Gary M. Zimmerman
Gary M. Zimmerman is Senior Vice President and Chief Underwriting Counsel at UCCPlus, where he focuses on the insurability of real estate mezzanine loan transactions, project finance and energy transactions, and major-market working capital and term loans. He is a Member of the American Bar Association’s Business Law Section and the Chicago Bar Association. Mr. Zimmerman received his B.A. from Drake University and his J.D. from DePaul University College of Law.
Title Insurance: Law and Practice 2019 Edition
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