Buying a home or investing in real estate is a major milestone—but it can also come with hidden risks. That’s where title insurance comes in. If you’re working with Eastern Title and Settlement in 2025, filing a claim is easier than you might think.
Whether you’re facing a boundary dispute, an old lien, or a forged document, this guide walks you through every step to protect your property rights.
We’ll explain who needs title insurance, what’s typically covered, and how to submit a claim efficiently.
Overview
Let’s start with the basics. Eastern Title and Settlement offers title insurance, real estate closing services, and claims processing for homeowners, sellers, lenders, and investors. Their mission is to protect your investment from ownership issues that could come back to haunt you—even after closing the deal.
Here’s a quick look at their process:
| Topic | Key Details |
|---|---|
| Company | Eastern Title and Settlement |
| Service Type | Title insurance, real estate settlements, claims processing |
| Claim Process | Submit documents → Review → Resolve claim |
| Processing Time | Typically 30–60 days |
| Who Needs It? | Buyers, sellers, lenders, real estate investors |
| Official Website | Eastern Title and Settlement (check site for latest info) |
Title Insurance
Title insurance protects against ownership disputes and legal risks related to your property. It’s a must-have for anyone buying or refinancing real estate. If a previous owner’s unpaid taxes or a forged deed surfaces, your policy kicks in to shield you from the financial fallout.
Why It Matters
Here’s what title insurance can protect you from:
- Fraudulent signatures and forged documents
- Public record errors
- Unknown heirs claiming ownership
- Unpaid property taxes
- Encroachments and boundary disputes
- Liens from past debts
Without it, resolving these issues can be a legal and financial nightmare.
Filing a Claim
Before you do anything else, read through your title insurance policy. It outlines exactly what’s covered and what’s not. There are usually two parts: one for the lender and one for the owner.
Gather Documents
You’ll need a few key items:
- Your title insurance policy
- Proof of ownership (deed or title)
- Claim form (downloadable from the company’s site)
- Any supporting evidence (legal documents, letters, notices)
- Property tax receipts
- Loan payoff statement (if relevant)
Submit Your Claim
You can submit your claim:
- Online via the official Eastern Title and Settlement website
- Or by mail (check for the right mailing address)
Once submitted, you’ll get a confirmation receipt within about 10–15 business days.
Investigation Phase
Next, the company investigates your claim. They’ll:
- Check public and court records
- Investigate prior ownership issues
- Review documentation and property details
- Contact involved parties if necessary
Claim Resolution
If your claim is valid, Eastern Title and Settlement works to resolve the issue. That could mean:
- Clearing up ownership disputes
- Reimbursing financial losses
- Providing legal help
- Negotiating with lienholders or past owners
Settlement Finalization
Once the claim is approved, the final settlement happens. Expect 30–60 days for processing. If the issue involves legal proceedings, it might take longer.
Reasons for Claims
Not sure if your issue qualifies? Here are common scenarios:
- Forgery and Fraud: Someone fakes ownership or signatures
- Unrecorded Easements: Someone has right-of-way access you didn’t know about
- Boundary Disputes: Your neighbor thinks your fence is on their land
- Undisclosed Liens: Old debts show up after purchase
- Clerical Errors: Mistakes in records cause title confusion
- Encroachments: A structure from a neighbor spills onto your lot
- Ownership Disputes: A long-lost heir shows up
Tips
- Keep Your Documents Safe: You’ll need them when you least expect it
- Act Quickly: The sooner you file, the better
- Get Legal Help if Needed: Especially for complicated claims
- Stay in Touch: Follow up regularly with your claims representative
- Double-Check Forms: Incomplete paperwork causes delays
Having title insurance is like having a legal safety net. And working with Eastern Title and Settlement means you’ve got a reliable partner when problems pop up. Don’t wait until a dispute grows into a full-blown legal battle—file your claim as soon as you see red flags.
FAQs
Who can file a title claim?
Homeowners, lenders, or anyone named in the title policy.
What documents are needed?
Your deed, title policy, and supporting legal or financial records.
How long does claim processing take?
Typically between 30 and 60 days.
Can I submit a claim online?
Yes, claims can be filed via their official website.
Does title insurance cover unpaid taxes?
Yes, if they were undisclosed and tied to a past owner.
