Originally Posted by sonicsuby

You know, she was pretty happy today..HEY!

Originally Posted by soggynoodles

OMG MY CAR!

Too bad the pics were all jacked up. (it was almost pitch black and the dude did not have a tripod)
https://www.i-club.com/forums/showpo...postcount=2372

Originally Posted by sonicsuby

Cell phone cameras sure have come a long way...

Originally Posted by soggynoodles

haha the dude had the same camara Dz had.
And he was only 17 too

Must be nice to still get stuff from momma and dada

Originally Posted by sonicsuby

He took those with a DReb? That's sad.

Originally Posted by Ali G

You have to try really hard to take pix that bad with a DReb...

Originally Posted by First American

At the time of the closing on your new home, title insurance was purchased from First American to protect you from any potential challenges to the ownership of your home. A part of the title insurance premium was paid to a licensed reinsurance company affiliated with your homebuilder for assuming a portion of the risk of your title insurance policy. Reinsurance agreements like these have existed in the title insurance business for a number of years. Recently, however, authorities in some states have expressed concerns about their propriety.

First American believes that these agreements are entirely proper, but wants to eliminate any questions about them, especially by you, as a valued policyholder. We are therefore immediatel and voluntarily:

1. Terminating the reinsurance agreements that were questioned; and
2. paying you, our policyholder, the entire portion of the title premium that was paid by First American to the reinsurance company in connection with your policy.

Originally Posted by sonicsuby

So, um, what's the deal with title insurance? I just got mail from First American Title Company that says the following:



So, what just happened? I've got a $320 check here, which I like, but I don't know what this title insurance policy was/is, and how or if it helps me. It almost looks like it was in place to protect the builder if for some reason we didn't end up getting the house. Anybody know?

Originally Posted by Ali G

It is there to protect you against any claims to the property that were not laid out in the stack of 3 million pages you had to sign at time of closing. Since your home is new the only people that could lay any claim on the house were you, the builder and any subcontractors. For example if the builder did not pay the electrician, the electrician could put a lien on the property to force payment. Had that happened the title insurance would deal with it and not you...

Originally Posted by sonicsuby

Am I at any risk now then? It's been 3 years

Originally Posted by soggynoodles

If you get me this tip, I will rock it!