Escrow & Title
A Utah title company that discovers a pre-existing lien not paid off at closing:
AIs not responsible—the buyer accepted as-is
BMay be liable to the buyer under the title insurance policy if the lien was not listed as an exception✓ Correct
CCan recover from the seller only if the seller is still in the state
DHas no obligation to disclose the lien
Explanation
If a lien that was not listed as an exception in the owner's title policy later surfaces, the title insurer is obligated to defend the owner's title and indemnify them for losses covered by the policy.
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