Escrow & Title
A Connecticut property's title history shows a deed from 1985 with an apparent forged signature. A general warranty deed to the current owner was issued in 2010. The current owner's title insurance will:
ANot cover the forgery since it occurred before the owner's purchase
BCover the current owner against the loss resulting from the forged deed in the chain of title✓ Correct
CCover only if the current owner proves the forgery within one year of closing
DNot cover because forgeries are excluded from all title policies
Explanation
Title insurance protects the insured against pre-closing title defects—including forgeries in the chain of title—even those that occurred decades before the current owner's purchase. This is the core purpose of title insurance.
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