Generally the claim has to be lodged on the branch of the life insurer which issued the policy bond, be it maturity or death claim as the case may be.
Call the company and place a claim with the claims department...or are they not still in business?
If you purchased an owner's title insurance policy and now you find the deed that conveyed the property to you was fraudulent you should make a claim against the title insurance AND against the malpractice insurance of the attorney who represented you when you purchased the property. Someone didn't do their job.
Title insurance is protection that ensures that you are the proper owner of the property and that if someone comes forward with a valid claim to a portion of your property, the title insurance company may have to pay that person the value of the claim. In buying real estate you have to make sure that the seller truly owns the property in full with no defects in title. The title insurance company reviews the land records to make sure of this. If the company states that the owner is the full owner, it backs its opinion with title insurance. Some title defects might not be covered though, but the lawyer helping the buyer will make sure that it is safe to buy the property.
If you have applied for insurance and paid a premium, you are essentially insured if you have been given a binder. In life insurance if the applicant dies before the policy can be issued, you would file a claim as if it had. The claim would be processed and if the applicant is found to be insurable had he still been alive, the claim would proceed as if he already had a policy in force before he died.
You should go back to the attorney who represented you at your closing. You paid to have the title examined as part of your closing costs. If you purchased an owner's title insurance policy the attorney will make a claim for you through her/his title insurance representative. If you did not purchase your own policy then you will need to make a claim against the attorney's malpractice insurance. The insurance companies will decide whether you suffered any damages by not knowing of the easement prior to your purchase. You may want to consult with an unbiased attorney who can review your situation and determine what your options are.
Contact the attorney who represented you when you purchased the property to make a claim on your title insurance policy. If you don't have an owner's policy see if the attorney has errors and omissions insurance that will cover the error.
Many times the insurance company may sent out someone who has no clue to codes thus they make a mistake and pay the claim
Typically insurance companys do not request to see the title when insuring a vehicle, however you could run into trouble if an accident, specifically a total loss occurs, because they will not be able to make (final) payment on the claim without this. Why not file for a lost title now?
A claim that you make on your own insurance for repairs due to a collision.
Call the insurance company and ask that they mail, fax or email a claim form to you. You can then make a life insurance claim as soon as you are able to obtain a certified copy of the death certificate which is required to make a claim. The insurance company will then issue a check made payable to the named beneficiaries or to the estate if there are no named beneficiaries.
Call your insurance companies claims department or your insurance agent.