Frequently Asked Questions (FAQs)

What is Home Title Theft?

Home title theft is a crime in which a con artist causes a fraudulent deed to be filed at the county recorder’s office that makes it appear that they own the property. With that false deed in hand, the fraudster will try to take out a mortgage against your property or sell it to unsuspecting buyers. By doing this, the criminal takes equity out of your house and disappears before anybody knows what they have done.

Does Title Insurance protect me?

Title insurance cannot prevent it, but some policies cover your legal expenses if you promptly make a claim.

What is homeowner’s insurance?

Homeowners insurance is a form of property insurance that covers losses and damages to an individual’s residence, along with furnishings and other assets in the home. A homeowners insurance policy usually covers four kinds of incidents on the insured property: interior damage, exterior damage, loss or damage of personal assets/belongings, and injury that occurs while on the property. When a claim is made on any of these incidents, the homeowner will be required to pay a deductible, which in effect is the out-of-pocket costs for the insured.

Why doesn’t the Recorder’s Office reject the forged deeds?

There is no easy way to determine if a deed is real or fake.

Can’t the police do anything about home title theft?

Yes, and they do. If you report the crime, they will investigate and will hopefully be able to charge the perpetrator with fraud. Unfortunately, by the time this type of crime is discovered, the money is already gone and the criminal has had time to cover their tracks. Also, there are not nearly enough fraud detectives to investigate all fraud crimes, so many never get investigated.

If the alerts arrive AFTER a forged deed get recorded, isn’t that too late because the fraud has already occurred?

Title theft is a two-step process:

  • A fraud deed gives the criminal control of your property
  • The criminal obtains a mortgage or sells the property. In most cases, the TitleShield™ will enable you to stop the fraud before step 2.

When can I see my property history report?


How to I remove a fraudulent deed from my title?

Only a judge can do that as part of a lawsuit to clear up you title.

Why are you more expensive than the competitor?

As a premier service, our prices are based on our technology and the fact that TitleShield is represented by licensed, verified and trusted notaries.

Only TitleShield uses Block Chain technology to protect its customers from cyber criminals. Unlike our competitors’, this added security feature Title Shield has implemented makes our customers’ title histories extremely difficult to hack and tamper.

We are also the only company that offers a service through Notaries. These agents have been vetted and/or screened to make sure they are licensed, alive and meet some the highest quality standards to provide this service. We are not an answering service that helps customers navigate our website to order something with no value. This is a serious service, so we left this in the hands of certified notaries.

How widespread is home title fraud?

Approx. 4500 incidents of title fraud are reported annually. 2-3 times that many never get reported.

What is title insurance?

Title insurance is a form of indemnity insurance that protects lenders and homebuyers from financial loss sustained from defects in a title to a property.

A clear title is necessary for any real estate transaction. Title companies must do a search on every title to check for claims or liens of any kind against them before they can be issued.

A title search is an examination of public records to determine and confirm a property’s legal ownership and to find out whether there are any claims are on the property.

Title insurance protects both lenders and homebuyers against loss or damage occurring from liens, encumbrances, or defects in the title or actual ownership of a property. Unlike traditional insurance, which protects against future events, title insurance protects against claims for past occurrences.

A basic owner’s basic title insurance policy typically covers the following hazards:

  • Ownership by another party
  • Incorrect signatures on documents, as well as forgery and fraud
  • Flawed records
  • Restrictive covenants (terms that reduce value or enjoyment), such as unrecorded easements
  • Encumbrances or judgments against property, such as outstanding lawsuits and liens

Can I monitor my home title myself?

Some counties have online access, but most counties require you in-person to go the recorder’s office. If you don’t do it regularly, you will probably discover the fraud too late.

How can I get a fraudulent deed of the title history of my house?

Unfortunately, in most cases you will have to hire a lawyer to file a type of lawsuit called a Quiet Title Action. This process can take anywhere from several months to several years depending on a number of factors.

Do I have to use the home security sign?

We strongly recommend it because it will deter home title thieves.

What is the blockchain?

A 21st century, tamperproof method of storing information. Instead of storing data in a single location, exact duplicates of the data are stored in many different computers maintained by unrelated people, companies, organizations or governmental entities. The computers independently verify that they each have exact copies of the same information and if any data changes (i.e., gets hacked) on one of the computers, it gets booted out of the network.

Tell me about the network of attorneys?

They have all agreed to provide a free consultation. Then if a TitleShield™ member needs to hire them, they have agreed.

  • to offer a contingency fee agreement if possible but if not
  • to discount their regular fees by at least 10%.

What should I do first if I discover title fraud?

  • Make a police report.
  • File a claim with your title insurance company?
  • Consult with an attorney.

What Technology does TitleShield™ use?

TitleShield™ uses 21st Century identity verification technology to verify the identity of the notaries who sell our subscriptions. Notaries are commissioned by their state, have integrity and are trustworthy.

TitleShield™ also uses the blockchain platform created by Veritable Data Solutions, Inc. to secure the ownership records of its customers. For a better understanding of blockchain technology, watch this video. The video wasn’t made by us, but it does a very good job of simplifying a complex subject.