Register
Log In
Forget your Password?

Home
Directory
Bulletins
Forums
Blogs
Articles
Links
Classifieds
About Us
Contact Us
Advertise
FAQ
Privacy Policy


Discussion
<< get older messagesget newer messages >>
to post a message: login - or - register | search messages | show all replies



[+] Mortgage over 30 years old, but no release - David Kossman/MO (19 replies)
8/25/2005 3:16:53 PM (2735 views)

[+] Back to school - monica froese/ME (11 replies)
8/23/2005 4:16:43 PM (2427 views)

[-] Liability Disclaimer - Danielle Nelson/WI (12 replies)
8/23/2005 2:01:59 PM (2505 views)
Re: Liability Disclaimer - Robert Franco/OH
8/23/2005 4:14:02 PM (3344 views)
Re: Liability Disclaimer - Lisa Ramsey/TX
8/23/2005 5:18:18 PM (3224 views)
Re: Liability Disclaimer - David Bloys/TX
8/23/2005 5:31:15 PM (3215 views)
Re: Liability Disclaimer - William Pattison /CA
3/18/2008 5:13:07 PM (2723 views)
Re: Liability Disclaimer - Kelli Gorman/TX
9/1/2005 1:14:08 PM (3019 views)
Re: Liability Disclaimer - Kevin Ahern/CT
9/1/2005 1:52:10 PM (3023 views)
Re: Liability Disclaimer - Kelli Gorman/TX
9/1/2005 10:38:48 PM (3049 views)
Re: Liability Disclaimer - Kevin Ahern/CT
9/2/2005 6:11:19 AM (3113 views)
Re: Liability Disclaimer - Scott Perry/PA
8/23/2005 5:42:49 PM (3200 views)
Re: Liability Disclaimer - Kevin Ahern/CT
8/23/2005 6:45:13 PM (3128 views)

In Connecticut we are not permitted to disclaim liability for negligence through a writing. We are permitted to limit our liability to a reasonable dollar amount through a written agreement. When I draft contracts for clients, I routinely put a clause into the contract limiting liability. I have a client that rents out "Moonwalks" for kids parties. If you are not familiar with the term, these are the big inflatable enclosures that kids climb into and jump up and down. In order to get liability insurance, their insurance carrier expressly requested a clause in the contract limiting liability since waivers don't seem to hold up in the Superior Court.

In so far as placing the language of limitation in the abstract itself after concluding a contract, I am not sure that it would work in all states. I would think that it would be better to put the clause in the contract rather than the abstract. It would then become an enforceable term of the contract.  Placing the language in the abstract alone, could be construed as a unilatteral attempt to amend or modify the prior contract or possibly a counter offer. Whether it would be enforceable would depend on the facts of each case and the law of the state which governed the contract. There is no universal answer. I have run into instances in which a client questioned the absence of an encumbrance on an abstract which resulted from a mistake in the land records. Once a copy of the index page showing the omission  was produced, the client was satisfied.

I do not use a disclaimer in my abstracts. In so far as the common law of negligence is concerned in Connecticut there are four elements to a negligence claim: 1. there is a duty to exercise reasonable care in performing a search, 2. there was a breach of this standard of care, 3. there were damages, 4. the damages were proximately cause by the breach of the standard of care that was owed. It would seem that the duty owed would be to accurately report the information contained in the public records. If the information is incorrectly contained in the Town Clerk's records, it would seem that the abstractor has correctly reported the information in the land records, and it could be argued that there was no breach of the standard of care owed to the client. It could be further argued that the damages to the client were not proximately caused by the contents of the title abstract, but rather by the contents of the land records. That would be the abstractor's defense, and he would still have to go through the tribulations of a trial. If he were sued, he would file a third party claim or a cross claim against both the Town and the Town Clerk. The sovereign immunity doctrine that protects state employees does not extend to political subdivisions of Connecticut

In Connecticut corrections of errors in the index are usually dated by the Town Clerk. However, if an error is brought to the abstractor's attention, it is a good idea for him to get a copy of the page without the correction before he brings the mistake to the Town Clerk's attention. He should also get a copy of the index page after the correction is made. He then has proof that the error was in the index rather than in his abstract. I had a conversation with one of the Town Clerks several months ago in which she admitted that they are very sensitive to corrections in the index because both the Town Clerk and the Town are liable.

to post a reply: login - or - register


Re: Liability Disclaimer - Anne Gilbert/VT
8/26/2005 6:13:07 PM (4141 views)
Re: Liability Disclaimer - Lisa Ramsey/TX
8/27/2005 10:24:42 AM (3125 views)

[+] The Jordan Group - Any experience with any of these affiliated companies? - Matt Papsch/MD (2 replies)
8/22/2005 5:41:51 PM (2565 views)

[+] Gasoline Trivia - Who Would Have Thought? - Lisa Ramsey/TX (6 replies)
8/19/2005 8:45:16 PM (2470 views)


Real Title Services


NALTEA committees... - Robert Franco/OH
8/18/2005 12:25:11 PM (1873 views)

thanks anyway - Kim Haase/MT
8/18/2005 12:18:26 PM (1913 views)

[+] VIEWS - LAWANDA MCMILLIAN/AR (8 replies)
8/18/2005 9:28:38 AM (2528 views)

You asked for it... - Jay Duncan/MO
8/17/2005 5:05:10 PM (1973 views)

[+] fees - Lynn Hammett/SC (6 replies)
8/16/2005 7:53:23 PM (2618 views)

[+] The royal shaft! - Robert Franco/OH (9 replies)
8/16/2005 1:51:13 PM (2714 views)

[+] Anyone Hear from Jason Sheppard? - Lisa Ramsey/TX (7 replies)
8/16/2005 9:56:01 AM (2693 views)

[+] Gas Prices...here we go again!!! - Jay Duncan/MO (7 replies)
8/15/2005 9:42:28 PM (3345 views)

[+] County Indexing Systems - Jarrod Clabaugh/OH (7 replies)
8/15/2005 4:29:36 PM (2450 views)

[+] Naltea Clearwater? Oh Yeah! - Kurt deVries/FL (2 replies)
8/15/2005 12:15:36 PM (2302 views)


<< get older messagesget newer messages >>

DISCLAIMER: These Message Forums are un-moderated and Source of Title does not endorse the content of any of the posts. Source of Title discourages libelous comments and you, as the sole creator of the content, take full responsibility for your remarks.
Directory

The Source of Title Business directory has 8961 listed companies.

Leave feedback on a company:
SOT ID #:  learn more...
DRN Title Search
Blogs

Read other users' blogs-- or start your own!

Most Recent Blog Posts:

Home buyers are more active this fall.....
Michael Stelzer's Blog
2025/11/27
0 comments

Fannie Mae Drops Minimum Credit Scores
Security American's Blog
2025/11/10
0 comments

Understanding O&E Title Searches
Security American's Blog
2025/10/29
0 comments

Articles

Source of Title articles help to keep you informed on the state of the title industry.

NAR Existing-Home Sales Report Shows 1.2% Increase in October
"Home sales increased in October even with the government shutdown due to homebuyers taking advantage of lower mortgage ...
Real Estate Firms Cite Housing Affordability and Rising Costs as Biggest Challenges
Real estate firms are bracing for continued challenges related to housing affordability and rising industry costs, accor...
NAHB Offers Lawmakers Recommendations on National E-Verify System
“Approximately 80% of NAHB members have fewer than 10 employees and often lack human resources, legal departments ...
Mortgage Applications Decrease in Latest MBA Weekly Survey
“Mortgage rates increased for the third consecutive week, with the 30-year fixed rate inching higher to its highes...
MISMO Calls for Participation in New Initiative to Standardize Title Order Data Exchange
“The Title Order Dataset is a critical next step in strengthening interoperability and efficiency across the mortg...

Search Articles:
browse...

Classifieds

Buy, sell, or trade! Browse the ads or post your own!

© 2020, Source of Title.