When closing agents issue a title policy they can list exceptions that are exempt from coverage by the title policy
. Before you go to the closing, look at any title commitment the closing agent will issue as a title policy and check what exceptions won't be covered by the policy. As always, don't assume anything about what the public record shows as the title holder to the property - have your title agent (attorney or closing agent) do the lien and title work so you are insured of getting a clear, marketable and insurable t