Buyer Resources
Preferred Service Providers
Home Inspection: Home Authority. Contact David Kempton at 703-307-4870
Moving Services: Reggie Lee Trucking, Inc.
Phone: 410.491.2553, Email: reggieleetrucking@sbcglobal.net
Termite Inspection: Superior Termite. Phone: 1-877-284-2466
For a wide range of other home services contractors, please go to www.urbanreferrals.com.
Preferred Settlement Companies
North American Title Company:
Contacts: David Kanstoroom, ESQ. and Claudia Vitale, ESQ
dkanstoroom@nat.com, cvitale@nat.com, Phone: 301-907-3980, Fax 301-907-3979
4733 Bethesda Avenue, Suite 801 Bethesda, MD 20814
Stewart Title:
Contacts: Bradley Runyan and Patrick Tangney
Phone:202-349-0220, Fax 202-403-3706
11 Dupont Circle, NW Suite 750 Washington DC 20036
Comparison of Title Insurance Policies: Standard vs. Premium
The Standard Title Insurance Policy covers:
- Someone else owns an interest in the estate
- Improperly executed documents
- Pre-policy forgery, fraud and duress
- Defecting recording of any documents
- Undisclosed restrictive covenants
- A lien on your title because of security deed, judgment, tax or special assessment, or a charge by a homeowner’s association
- Unmarketable title
The Premium Title Insurance Policy that is generally 20% higher in costs includes all the above and the following:
- Mechanics’ liens
- Forced removal of a structure which encroaches onto another property or an easement
- Forced removal of a structure which violates an existing zoning law*
- Forced removal of a structure because of a violation of a restriction in Schedule B
- Inability to use land for single family dwelling because of a violation of a zoning ordinance or restriction in Schedule B
- Pays rent for substitute land or facilities
- Rights under unrecorded leases
- Plain Language
- Unrecorded easements
- Building permit violations *
- Compliance with subdivision map, if any*
- Restrictive covenant violations
- Map, if any, not consistent with legal description
- Covenant violation resulting in reversion
- Enhanced marketability
- Violations of building setback
- Discriminatory covenants
- Post Policy forgery
- Post Policy encroachment
- Post Policy damage from minerals or water extraction
- Post Policy living Trust coverage for Trustee
- Post Policy living Trust Cover for Beneficiary
- Access- Actual vehicular and pedestrian access based on a legal right
- Post Policy automatic increase in value up to 150%
- Post Policy adverse possession
- Post Policy cloud on title
- Post Policy prescriptive easement
- Boundary walls and fence encroachment*
- Insurance coverage forever
*- subject to a deductible and maximum indemnity liability, which may be less than the policy amount.
