By Jason Boone
BEND – What is an uninsured deed?
The answer is simple.
An uninsured deed is a deed that has not been examined by the title company.
Before the deed has been recorded, it must be examined by a title company and the title company will do a complete background search of recorded liens or disputes that have been filed on the property.
The title company’s goal is to make sure that the current owner of the home can transfer ownership of the home to the new owner without encountering any unforeseen circumstances.
Breaking Down Uninsured Deeds
In the real estate world sometimes uninsured deeds are used for adding or subtracting family members from title deed and one of the most common title deeds is a quick claim deed.
Before utilizing the quitclaim or any other type of uninsured deed the title company will most commonly ask these simple questions:
1. Can all signatures of signers on the uninsured deed be verified?
2. What is the purpose behind the uninsured deed? Was the goal to secure a loan?
3. Was the deed signed under stress or duress?
4. Did the signer of the deed sign it to avoid problems with creditors?
5. What type of consideration was given for the uninsured deed? Was it a gift?
Simple Preparation Pays Off
When it comes to using the title company to record deeds, simple preparation always pays off and can help to protect the homeowner from any problems that may arise because of the deed.
Some of the simple things that a home buyer can do to make sure that all business concerning their deed is handled professional include the following:
• Always use a qualified title company to work on a deed.
• Make sure that the date the deed was signed is verified and confirmed because, if the date is wrong, this can make a big difference when it comes to the future sale of the property.
• Never attempt to handle any business involving a deed yourself, it’s always best to leave all business involving deeds to the title company because, this could eliminate any future headaches and save you time and money when it comes to selling the home in the future.
For all of your Real Estate needs contact me, Jason Boone, Principal Broker at Duke Warner Realty | Skjersaa Group by calling me at (541) 383-1426 or emailing me at
Hi my dad gifted me 19 acres with a home 5 years ago. We had it notarized at the time and I filed it with the county. But we did not go through a title company because I didn’t know I had to. Now I’m trying to get a loan or sell my property and I can’t. I no longer talk to my dad so I cannot have him sign an affidavit because he has a living trust. I’m really frustrated I pay the property taxes I pay the insurance and I can’t do anything with this property. Do you have any ideas what I can do?
Thank you for your comment Stacey, my suggestion is talk to an attorney first. A Title/Escrow company is not going to want to insure this (a pre-requisite for a sale or a loan) without some additional legal documents recorded, which is outside the scope of what I can advise you on practically and legally. Only an attorney can legally help you in this case. Feel free to reach out if you would like some suggestions for local attorneys.