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If you were issued an Owner's Policy and now think there are defects in the chain of title, (the cloud must be from prior owners, not from the time you have owned it as title only covers the prior owners acts, not yours), then you can file a claim against the title agency that issued the Owner's Policy to you.

You cannot file a claim if you do not have an Owner's Policy because the Lender/Mortgage Policy is issued only for the benefit of the Lender.

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Q: Can an owner attack the validity of their own title Or does a claim ALWAYS need to be originated by a third party?
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