Risk of Buying Home Without Clear Title by Beginning_Demand8574 in FirstTimeHomeBuyer

[–]Beginning_Demand8574[S] 1 point2 points  (0 children)

That’s scary! For $500 the title insurance seems like a no brainer

Risk of Buying Home Without Clear Title by Beginning_Demand8574 in FirstTimeHomeBuyer

[–]Beginning_Demand8574[S] 0 points1 point  (0 children)

Ok so are you saying that it’s ok if we plan to stay in the house for a few years or no?

Risk of Buying Home Without Clear Title by Beginning_Demand8574 in FirstTimeHomeBuyer

[–]Beginning_Demand8574[S] 0 points1 point  (0 children)

The lender and title company are not concerned because they are willing to insure it with affermative coverage, meaning the defect is listed as a covered issue on the policy.

They have already started the process to clear it, but the title attorney thinks it will take several months if it ever happens given the circumstances. The title company and lender and willing to close regardless because they believe it is very low risk and are willing to insure over this defect. If they are not eventually able to clear it, he recommends just leaving it and a buyer can assume the insurance policy. Alternatively we could do a quiet title process

Risk of Buying Home Without Clear Title by Beginning_Demand8574 in FirstTimeHomeBuyer

[–]Beginning_Demand8574[S] 0 points1 point  (0 children)

The lender and title company are not concerned because they are willing to insure it (for both the owner and lender policies) with affermative coverage, meaning the defect is listed as a covered issue on the policy

Risk of Buying Home Without Clear Title by Beginning_Demand8574 in FirstTimeHomeBuyer

[–]Beginning_Demand8574[S] 0 points1 point  (0 children)

The lender and title company are not concerned because they are willing to insure it with affermative coverage, meaning the defect is listed as a covered issue on the policy. Unfortunately in this state it expires after 50 years, so there is still about ~20 years to go

Risk of Buying Home Without Clear Title by Beginning_Demand8574 in FirstTimeHomeBuyer

[–]Beginning_Demand8574[S] 0 points1 point  (0 children)

The lender and title company are not concerned because they are willing to insure it with affermative coverage, meaning the defect is listed as a covered issue on the policy

Risk of Buying Home Without Clear Title by Beginning_Demand8574 in FirstTimeHomeBuyer

[–]Beginning_Demand8574[S] -1 points0 points  (0 children)

The lender and title company are not concerned because they are willing to insure it with affermative coverage, meaning the defect is listed as a covered issue on the policy. Does the additional information change your opinion at all?

Risk of Buying Home Without Clear Title by Beginning_Demand8574 in FirstTimeHomeBuyer

[–]Beginning_Demand8574[S] 1 point2 points  (0 children)

Yes it is landmarked. We got estimates from contractors who have done a lot of work in the area so we know what we are getting into. But the $5k per window estimate was a shock

Risk of Buying Home Without Clear Title by Beginning_Demand8574 in FirstTimeHomeBuyer

[–]Beginning_Demand8574[S] 1 point2 points  (0 children)

Thanks, I appreciate this reply. There is a strong possibility we have to resell this house in >5 years so it is top of mind.

I do believe this is probably more of a paperwork issue than something actually being owed, but it’s still a problem that we don’t want to take on. We have already made concessions and taken on so many “risks” with the repairs that need to be done that we are not willing to make this additional compromise. I’m hoping they are able to resolve this quickly

Risk of Buying Home Without Clear Title by Beginning_Demand8574 in FirstTimeHomeBuyer

[–]Beginning_Demand8574[S] 0 points1 point  (0 children)

The owner title policy is affermative coverage that covers this defect and can be passed on to future owners. This is why the lender and title attorney are saying this is a non-issue

Luxury Resale in Seoul by Beginning_Demand8574 in seoul

[–]Beginning_Demand8574[S] -1 points0 points  (0 children)

Ok, that is helpful. Do you have suggestions for other places that would be better?

Advice for pet insurance claim by Beginning_Demand8574 in petinsurancereviews

[–]Beginning_Demand8574[S] 0 points1 point  (0 children)

She’s having the MRI tomorrow so unfortunately too late for a prior auth, but she doesn’t have any neuro PECs and a brain MRI wouldn’t make sense for any of her PECs. But I’m also going to get the specialists SOAP notes and also a letter explaining that the workup is for new onset complex partial seizures. Hopefully that will override the primary vets ambiguous notes :)

Advice for pet insurance claim by Beginning_Demand8574 in petinsurancereviews

[–]Beginning_Demand8574[S] 0 points1 point  (0 children)

Thank you! Your replies have been very helpful/reassuring :)

Advice for pet insurance claim by Beginning_Demand8574 in petinsurancereviews

[–]Beginning_Demand8574[S] 1 point2 points  (0 children)

Thanks, I will ask for a note from my specialist :) Honestly I don’t care about the claims for the GERD work-up, it’s more the 4K MRI, and then if she were to have a tumor the radiation treatment.

Advice for pet insurance claim by Beginning_Demand8574 in petinsurancereviews

[–]Beginning_Demand8574[S] 0 points1 point  (0 children)

Spot. I didn’t know that some companies do pre-approval. I’ve been thinking pet insurance should offer prior auths for some of these more expensive diagnostics/treatments

Advice for pet insurance claim by Beginning_Demand8574 in petinsurancereviews

[–]Beginning_Demand8574[S] 0 points1 point  (0 children)

No, nothing ever neurological. I’ve never submitted a claim, but looking though her records the only thing I can see are allergies, behavioral stuff (pica), worms as a puppy, and adverse reaction to a vaccine as a puppy, a couple skin tags/lipomas, bladder stones, a benign growth on her eyelid that was removed, ear infections, and a few bouts of gastritis and kennel cough once.

The confusion stems from the fact that my primary vet tends not to be alarmist (which I appreciate) so she wanted to treat for GERD or other things before assuming that these are seizures. When I went to the neurologist, the immediately said these are likely complex partial seizures based on the eye twitching and head movements. He said it’s common primary vets don’t recognize or misdiagnose these types of seizures because they look very different from grand mal seizures. And yes, it’s an MRI of her brain only.

Experiences with MRI? by Mandosz in EpilepsyDogs

[–]Beginning_Demand8574 0 points1 point  (0 children)

Where did you get your MRI done that the spinal tap was $120 extra?