Abogados de Seguro de Título en Puerto Rico
Title insurance matters: title searches, defect and lien resolution, owner's and lender's policies, closing protection, and claims over disputed ownership in Puerto Rico.
Asuntos de seguro de título: búsquedas de título, resolución de defectos y gravámenes, pólizas de propietario y prestamista, protección en el cierre y reclamaciones por titularidad disputada en Puerto Rico.
Carolina Garriga is a legal professional whose practice focuses on real estate, insurance, notary public, and title insurance matters. She provides her services in both Spanish and English, offering comprehensive support to clients in these areas.
Title insurance protects against defects in ownership history, such as undisclosed liens, unpaid mortgages, boundary errors, forged documents, or competing ownership claims. An owner's policy protects the buyer's equity, while a lender's policy protects the mortgage holder. Unlike other insurance, it covers events that happened before the policy was issued.
It is not required by law, but mortgage lenders almost always require a lender's policy as a condition of financing. An owner's policy is optional and paid as a one-time premium at closing, and many buyers purchase one because Property Registry recordings in Puerto Rico can surface old liens, unresolved heirs, or boundary discrepancies years after a purchase.
Notify your title insurer immediately if you have a policy, because most policies require prompt notice and cover the cost of defending your ownership. An attorney can review the claim, quiet title in court if necessary, and resolve underlying defects such as liens, probate issues, or boundary disputes. Even without a policy, a real estate attorney can often clear the defect before it threatens your ownership.
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