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When do I receive Owner title insurance policy documents?

State: NC
We closed on a (existing) home 2 weeks ago. Per the HUD-1 and per state rules tile insurance (lenders & owners) was bought and paid from my closing.

How long does it take for me to get my owners policy documents? I was told I'll get it in the mail. I called the title company and they said about a month.
  • January 29 2014 - Cary
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Answers (6)

As Leah said, you should already have a title insurance commitment in hand.  You should have been given a copy to review prior to your closing.  If for some reason you would need to make a claim and you do not yet have your title insurance policy, the combination of the commitment and your HUD-1 Settlement Statement would serve as evidence of coverage. 

Your title agent is likely awaiting the return of your recorded deed from the courthouse.  There are some areas where the return of the document can take 30 to 60 days while some return documents immediately.  You will receive your original recorded deed in the mail with the title policy.

As Sharon mentioned, you should beware of sham companies trying to sell you a copy of your deed.  They make their solicitation look official and since they only offer to sell you a copy there is nothing illegal about it, however you don't NEED this service.  You will get your original deed without paying an additional fee.

If you do not receive your title insurance policy within 6 weeks, call your title agent and get an explanation.  If you don't receive a reasonable response within 60 days, write them a letter or email and demand the policy.  Give them 15 more days and if you still do not have a policy, report them to the state insurance department.  This sounds harsh but every state has a select few title agents who fail to issue policies.  By reporting those who are negligent in issuance to the insurance regulator, you help to protect others and the industry.  I suspect you will not have this problem but I am posting this information for the benefit of readers who may experience an inexplicable delay or failure to receive their policy. Good luck and enjoy your new home.


  • January 31 2014
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Profile picture for craigfial

Here in Florida, it can take 30 days to get the policy.  in 2-3 weeks contact the closing agent and check on the status.

  • January 29 2014
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Profile picture for Sharon Lewis
heads up, there are companies that are scamming, they send you something that looks very official and say for $75 (or whatever) you can get a copy of the deed. Its a scam. The deed is sent to you and if you ever lose it, the attorney can get you another one, ok. Congratulations on your purchase
  • January 29 2014
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Profile picture for JustinLeffew
As the title company is the one issuing it, they will be the ones who send it. If they said a month, they are likely on a little bit of a backlog but you should get it in a month. Keep pestering them nicely and you may get it sooner! 
  • January 29 2014
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Cary,

Although you might not have received your actual policy yet, you are covered according to the guidelines set forward in your Preliminary Title Commitment that you should have received during your transaction.  

Any exceptions to coverage are detailed in the report and the coverage that is included in your policy are listed there, as well.  The actual policy is a formality and the time frame for receiving has more to do with the staffing resources available at your Title Insurance Company to actually type the policy and send it to you.

If you are concerned with any issues that have arisen with your property lines or other matters that would be covered, I suggest you find your Title Commitment from the documentation of your transaction and then call your Title Insurance company and ask to speak to a Title Officer.  They can answer your questions directly.

Congratulations on purchasing your home!
  • January 29 2014
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Hi Cary,

You should be receiving the title documents anytime.  I'm sure you're anxious to get all your documents from your purchase "squared away"......if you don't receive them within the next week or two then follow up.  There is always a delayed turnaround time when purchasing a home.........lots of paperwork.  Congratulations on your new home!
  • January 29 2014
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