Escrow & Title
A Florida title insurance policy issued at closing protects against which of the following?
AFuture physical damage to the property
BDefects in title that existed prior to the policy's issue date✓ Correct
CFuture zoning changes affecting property use
DNatural disaster damage including floods and sinkholes
Explanation
Title insurance protects against losses arising from defects in title that existed BEFORE the policy was issued — such as unknown liens, forged deeds, errors in public records, undisclosed heirs, or prior fraud. It does not cover future events.
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