Frequently asked questions

Title insurance affords protection from past events which may or may not be part of the public records, but that can adversely affect a new owner. A title search can reveal a number of title defects and liens as well as other encumbrances and restrictions. Among them are unsatisfied mortgages, unpaid taxes, judgments against the seller, and restrictions limiting the use of land.

Many people may have purchased one or more properties in the past without having much understanding of what restrictions are attached to its title. It's only when they submit a planning application and find it's denied due to previously applied restrictions, or end up out-of-pocket due to an old charge on the property resurfacing, that they realize that not all title information is publicly available.

Available as residential insurance or commercial insurance, a title policy ensures that when issues are unearthed regarding your property, you've got the right coverage in place to make certain you and your family, employees or dependents don't end up financially disadvantaged.

Florida title insurance premiums are promulgated by the state — the premium is set by rate against the policy amount rather than by the individual agency. Your closer will give you an exact figure for your transaction before you commit to anything.

It depends on the transaction, the lender and what the searches turn up. Our contract-to-closing tracker walks through all eight stages and gives a sense of the sequence and where delays usually come from.

Yes. We handle mail-away closings and provide mobile notaries, so buyers and sellers who can't attend in person still close on time. Tell your closer early so the documents are routed correctly.

Yes. We provide services in English, Spanish and Creole, and multi-lingual closings are a standard part of what we do.

All our branches are ALTA certified, which means we comply with CFPB and Data Call requirements. We are also Best Practices certified for compliance, ethics and security by TQS, the firm responsible for certifying some of the top Fortune 500 companies.

We maintain strict escrow policies to protect customer funds, and we are independently certified for compliance, ethics and security. If you are ever unsure about wire instructions, call the office on a number you already have before sending anything.

Yes. We maintain attorneys on staff to assist with legal matters that arise before closing — probate documents, entity paperwork, and title defects that need a lawyer rather than a clerk.

We close throughout the State of Florida from 15 offices, from Pensacola and Gulf Breeze in the panhandle to Jacksonville, Orlando, Sarasota, Naples and the South Florida markets.

Contact the Omega office you are working with. They can provide the certification, related E&O insurance or bond information, or a copy of our ALTA manual.