Escrow & Title
Which of the following is a title defect that would be covered by a standard owner's title insurance policy in Louisiana?
AZoning violations created by the buyer after purchase
BA forged signature in the chain of title discovered after closing✓ Correct
CProperty tax increases after the policy date
DPhysical damage from a subsequent flood
Explanation
Standard owner's title insurance covers defects existing before the policy date — including forged instruments in the chain of title, undisclosed heirs, and other hidden title problems — but not post-policy events or non-title issues.
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