18 — May 2025 — Insurance/Title — Financial — M id A tlantic Real Estate Journal
www.marej.com
I nsurance /T itle
By Natalie Madanick, National Integrity Title Agency Title agencies are as different as the properties they protect
F
or brokers, developers, lenders and even attor- neys, you likely know a
estate and the fact that title insurance is only one piece of a very big puzzle, a quick refresher of key cautions can never hurt. Title insurance is too important. Three keys to prevent title issues from derailing a transaction: The bottom line: Address- ing title issues early in the due diligence process al- lows for smoother transac- tions, less legal expense, and protection from future claims that could undermine your investment’s value. Thorough due diligence is
the key to preventing title problems. Start with a com- prehensive title search early in the process. Additionally, always order an ALTA/NSPS Land Title Survey to identify boundary issues and poten- tial encroachments. Lastly, always work with a real es- tate attorney that specializes in commercial transactions. Three areas of wariness to keep top of mind: Beyond chain of title de- fects or breaks in the histori- cal ownership records creat- ing uncertainty about owner- ship, easements, restrictive
covenants and survey dis- crepancies can also wreak havoc on the title insurance process – each in their own way. Easement issues, in- cluding utility, access and conservation, account for about 25% of all title claims in commercial real estate and can significantly affect the value of a property. Recorded limitations, such as restrictive covenants, can prevent certain types of businesses from occupying a property and therefore make a property unsuitable for a buyer’s intended purpose.
Similarly, surveys can cause headaches specifically when the legal description of a property doesn’t match the actual physical boundaries. Three basics to know about title insurance agencies: Now that we’ve covered some of the basics regarding title insurance itself, let’s turn to what you may not know. What when the un- expected happens? What if a seemingly “normal” transac- tion goes off course? Three important facts to know: 1) Title insurance (like much in real estate) remains a “people” business; 2) not all title insurance agencies are the same; and 3) having the right title insurance partner is important. Yet what does that really mean? All title insurance agencies will tell you they are avail- able day and night, provide fully-secure transactions us- ing the latest technology and promise on-going communi- cation from start to finish. But those are only words. In the end it all comes down to the people – the names of you know, the faces you see, the voices you turn to – when needed. It’s the strong, deep, sustainable relationships that sets National Integrity Title Agency apart. In a word, all of us at NITA from business devel- opment to the closing table are “real.” Our approach is genuine and there is no such thing as “one size fits all.” We are connectors, match-making the right people whether that means introducing brokers and lenders or property owners with skilled real estate at- torneys. Each day, we roll up our sleeves, think outside of the box and bring people to- gether with one shared goal – to create deals together that regardless of any issues get done. Natalie Madanick is a seasoned business devel- opment professional at National Integrity Title Agency with a primary focus on the commer- cial marketplace. In her role, she puts her entre- preneurial experience to work, implementing targeted initiatives, de- veloping strong client re- lationships, and provid- ing high‑level, dedicated service. MAREJ
lot when it comes to title insurance. At least enough to be danger- ous as they say or to “get through” the deal. If you specialize in
Natalie Madanick
commercial real estate, you are also aware of the key differences from residen- tial title needs. But in the ever-changing world of real
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The roll up your sleeves, no “one size fits all” title insurance agency where real people and true ingenuity get deals done.
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