Then I ask you what is title insurance? I don't care what the timeline is. Two years after a potential lien was placed on the property because of delinquent taxes, BOA is in a foreclosure, and then two years later places a lien on the property. The title insurance company did not do their due diligence in their investigation. They insured the title a year later as clear.
But the foreclosure was already in the court and the insurance company just didn't do their job. What did they insure if not a clean title at the time of the purchase? "We insure a clean title but we didn't do our due diligence so you may have a lien on the property in the future." That would make a good disclaimer.
