Real estate transactions are full of fine print and hidden risks, but when something goes wrong with your property title, that’s where title insurance comes in. If you’re working with Eastern Title and Settlement in 2025, filing a title insurance claim is a straightforward process—as long as you follow the right steps.
This guide walks you through exactly how to file, what documents you’ll need, and why title insurance can protect you from major legal and financial headaches. Whether you’re a homeowner, investor, or lender, knowing the claims process can save you time, stress, and money.
Overview
Here’s a snapshot of the essentials:
| Topic | Key Details |
|---|---|
| Company | Eastern Title and Settlement |
| Service Type | Title insurance, real estate closings, and claims |
| Who Needs It? | Buyers, sellers, lenders, real estate investors |
| Claim Process | Submit docs → Investigation → Resolution |
| Processing Time | Usually 30–60 days |
| Website | Eastern Title and Settlement |
If a title issue comes up—like an unpaid lien or a hidden heir claiming your property—your title insurance policy is your first line of defense.
Eastern Title and Settlement
Eastern Title and Settlement is a trusted title insurance provider and real estate settlement company. They help ensure that your property is legally transferred and free from ownership issues at closing. And if problems show up later? Their claims process is designed to help protect your investment.
Insurance
You probably wouldn’t buy a car without insurance. The same logic applies to your home or commercial property. Title insurance shields you from risks like:
- Fraudulent or forged documents
- Unpaid taxes or liens
- Hidden heirs or ownership claims
- Clerical errors in public records
- Property boundary disputes
- Easements or encroachments
These issues can lead to expensive lawsuits or loss of ownership rights. Title insurance helps resolve them without draining your wallet.
How to File a Claim
Start by reading your title insurance policy. It outlines what’s covered and what’s not. Most policies include coverage for both owners and lenders.
Gather Your Documents
You’ll need the following:
| Required Documents | Purpose |
|---|---|
| Proof of Ownership | Deed/title showing legal ownership |
| Title Insurance Policy | Provided at closing |
| Completed Claim Form | Available on Eastern’s website |
| Supporting Evidence | Letters, legal docs, liens, etc. |
| Tax Receipts | Proof taxes are current |
| Loan Payoff Info | If mortgage is involved |
Submit Your Claim
You can file your claim:
- Online: Via the official website
- By Mail: Send all documents to their claims department
Make sure everything is complete to avoid delays. You’ll receive confirmation once your claim is logged.
Verification Phase
Eastern Title will dig into:
- Public and legal records
- Ownership history
- Possible fraud or forgery
- Contacting prior owners or lienholders
This usually takes 10–15 business days to initiate, but more complex claims may require more time.
Resolution
If your claim is valid, Eastern Title may:
- Clear the title
- Pay for financial losses
- Provide legal support
- Negotiate disputes with other parties
Final Settlement
Most claims are resolved in 30–60 days, but complex legal cases could take longer—especially if they go to court.
Common Reasons
Here’s what typically triggers a title insurance claim:
| Issue | Description |
|---|---|
| Forgery & Fraud | Fake deeds, forged signatures |
| Unknown Liens | Past debts attached to property |
| Clerical Errors | Misspellings or misfiled records |
| Encroachments | Neighbor’s shed on your land |
| Boundary Disputes | Conflicting surveys or maps |
| Unrecorded Easements | Legal right-of-way surprises |
| Undisclosed Heirs | Someone claims inherited ownership |
Pro Tips
- Keep Good Records: Always save your closing documents
- Act Fast: Report title issues immediately
- Review Your Policy Annually: Especially if you refinance or modify the title
- Get Legal Help if Needed: A real estate lawyer can be a lifesaver
- Double-Check Everything: Make sure forms are accurate and complete
Whether you’re a first-time homeowner or a seasoned investor, a quick response and organized paperwork will help resolve your title issue faster.
FAQs
How long do title claims take to process?
Typically 30–60 days, but complex cases may take longer.
Where do I get a claim form?
Download it from Eastern Title and Settlement’s official website.
What does title insurance cover?
It covers fraud, liens, boundary issues, and public record errors.
Can I file a claim online?
Yes, claims can be submitted online or by mail.
Do I need a lawyer to file a claim?
Not always, but legal help can be useful for complex issues.
