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What Is Flood Insurance?
by Marissa Berends | 2025/10/21
Flood insurance is a specialized policy designed to cover damage caused by flooding—an event typically excluded from standard homeowners’ insurance. The National Flood Insurance Program (NFIP), administered by FEMA and established in 1968, provides most flood policies in the U.S., covering structural and contents losses up to specified limits. Since the 2010s, a growing number of private insurers have entered the flood insurance market, increasing competition and offering alternatives to the NFIP.
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What Is the Torrens Land System?
by Marissa Berends | 2025/09/24
The Torrens system is a land registration framework that simplifies property ownership verification by issuing a Certificate of Title, which is definitive proof of ownership under state supervision. Unlike the traditional “abstract” system—where historical deeds must be traced and examined for potential defects—the Torrens certificate provides clarity, security, and legal certainty.
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Understanding Mineral Rights and the Importance of Trained Mineral Researchers
by Marissa Berends | 2025/09/05
Mineral rights refer to the ownership of the subsurface resources beneath a parcel of land, including valuable commodities like oil, gas, coal, precious metals, and other minerals. These rights can be bought, sold, leased, or inherited separately from surface rights, meaning one party might own the land’s surface while another owns the mineral rights below it. This separation can create legal complexities, especially when it comes to determining ownership or preparing for development, extraction, or transfer of rights.
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