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Marshall Said:

Canadian title insurance question: I bought an older house, and the basement floods every spring.?

We Answered:

Consult a local lawyer. It shouldn't cost for a consultation.

There are lots of issues raised by your question, enough that even if an answerer actually knows Canadian law they would not be able to provide a full answer. I for instance don't even know enough about Canadian law to know whether it is just Canadian law that matters, or if provincial law also matters.

Here are some of the issues: does title insurance cover it, under the law or under your specific policy? If not, do you have a cause of action against for fraud, intentional or negligent misrepresentation, against the seller? Or for negligence or nuisance against the parking lot operator? Or against the inspector who inspected the house prior to purchase? Is there another insurance policy that might cover the damage -- either your own, or the parking lot operators? Is there a statute of limitation issue, given that this happens every Spring?

You will also have to have a damage assessment, including your foundation.

Kristen Said:

Question about auto title liens and Insurance?

We Answered:

By google to collect some related information or you may try using answer engines like yahoo answer or yedda.com to get some related ideas.nonetheless,If you prefer some direct resource,here http://www.insuranceidea.info/free-insurance.htm is a good one from my own experience.

Eva Said:

"In kind" Auto insurance law? My car was totaled...?

We Answered:

Your friend is talking out his b*tt. You can't find anything, because he's making it up.

The most the insurance company has to pay, is the actual cash value. Not retail, not replacement, not cost to fix.

You can get a rough estimate of the actual cash value, by looking up the PRIVATE PARTY SALE value at www.kbb.com

Yvonne Said:

Are you required by law to have an insurance license to close a loan?

We Answered:

It depends on which state you are talking about. Each has their own set of rules. However it should be noted that all insurance licensing companies are required to follow the UCC regulations, because it pertains to contracts. This law is the same everywhere. In addition, if this involves a real estate transaction, then the local real estate commission of each state has various other requirements which have to be adhered to. There are plenty of regulations which they have to follow. A title closing company obviously would be aware of such requirements as they should be.