Escrow & Title
A 'cloud on title' in Louisiana means:
AThe property is located in a flood zone
BAn outstanding claim, encumbrance, or defect that affects the marketability of title✓ Correct
CThe title insurance policy has expired
DThe property deed was executed during a rainy period
Explanation
A cloud on title is any outstanding claim, lien, encumbrance, or legal question that may affect the owner's ability to convey clear, marketable title — such as an unresolved mortgage, heir claim, or old judgment.
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