Before you do consider this-homeowners and auto insurance companies pay about 80% of your premiums on claims, title insurance companies pay about 5%. I do not practice personal injury law, but being at the courthouse I often see attorneys representing car and homeowners insurance companies in lawsuits over car accidents and home related accidents. In 17 years of practice I have never seen an attorney representing a title insurance company defending a title insurance claim. My experience is consistent with the tiny percentage of claims paid compared to premiums received by title insurance companies.
If you are buying a home I recommend taking a close look at what is called the owners title insurance premium which protects your bank and is paid for by you. If you are taking out a mortgage you are required to purchase this insurance. You can shop around, ask the different title companies what they charge for this coverage and how much of the premium is paid to them as a commission. Ask about what the policy does not cover, called exclusions. Ask to see what is called a good faith estimate of settlement charges before you close. Some title companies do not like you asking questions, do not let them stonewall you. Do not be shy about comparison shopping for the lenders policy, and the owners policy which insures your equity in the home if you chose to purchase owners insurance. You decide on whether to purchase what is called an owners policy, no one can force you to purchase one.
Just so you know, I do not sell title insurance or any products that compete with title insurance. I have purchased homes and I do not usually purchase title insurance.
Bankruptcy can seem simple, just have an attorney fill out some forms and file them. good bankruptcies involve well prepared paperwork which will usually make court appearances unnecessary and let people keep all or most of their property. Badly handled bankruptcies will cause you to give up more of your property, and in some situations can get you in serious trouble. Beware cut rate attorneys and those who call themselves petition preparers, they will cost you a lot more than you think.
If you have questions regarding bankruptcy call the experienced attorneys at Edward R. Shaw, P.A. at 218-825-7030.
1. Will the home meet your needs for the term of the lease? Do not sign up if it is missing something that you need.
2. Can you afford the rent? If you cannot do not sign and hope for the best.
3. Is the property in move-in condition, if not and there is work to be done will the landlord guarantee, in writing that it will be done? If they will not, watch out.
4. If you are paying utilities, is the property energy efficient? Many landlords do not care about energy efficiency if they are not paying utilities. Check the furnace, if it is ancient you will pay big bucks for heat. Check insulation in the attic, if is short your heat bills will be much higher. Windows are not as important as most people think, but watch out for a drafty crawl space, if the house has one you will lose heat and probably get frozen pipes.
5. Before you sign the lease, read and understand all of it. Good landlords use thorough leases. If the lease says that you are responsible for maintenance (besides lawn care and snow removal) or has other unreasonable terms do not sign.
If a rental situation does not work out you have legal options, but it is much easier and cheaper to avoid the problem in the first place by renting a good place with a good landlord. If you need help determining your legal options call the law office of Edward R. Shaw, P.A. at 218-825-7030.
“What rights do I have?” As attorneys working in family law we get this question all of the time from fathers who were not married to their child’s mother at the time of birth. Times have changed, but in some ways our laws have not. The law for unmarried fathers is a holdover from the 50s. Even if a recognition of parentage form is signed at the hospital the father has no rights to his child until he goes to court. Even if mom and dad have lived together for years, when they separate dad has no rights to see his child if he has not gone to court. Until the law changes to reflect the society we live in now, unmarried fathers are well advised to go to court as soon as possible so they have the right to be in their child’s lives.
If you need help understanding or establishing your rights as an unwed father please call Edward R. Shaw, P.A. today at (218) 825-7030.
What do I do if the police want to talk to me about an incident that I was involved in?
The natural first impulse is to talk to them, if I am a good person, what do I have to hide? That may not be the best way to go.
When a police officer is involved in a line of duty shooting incident, standard procedure is for the officer to have 72 hours before having to make a statement. Most police union contracts in this state guarantee that right for officers. After an incident you are often in shock, not thinking clearly, likely to say something you do not really mean which can be used against you. My advice, do what police officers do, wait to make a statement and get legal advice before you do.
Seems just around the corner, where did summer go? If you have unresolved issues with the other parent of your child, it is not too late to get them sorted out before school starts. If you have a child starting school, need to change schools, or a vague parenting time schedule that is not clear about where the kids will go to school, now is the time to get legal advice if you and the other parent cannot agree. You do not want to wait until Labor Day to find out where the kids will be going to school.