About Title Insurance (video)

Take a look at how examples of how title insurance protects your largest financial investment. For over a century title professionals have worked to ensure that when you buy a property, you have peace of mind that your property is protected.

Are you a landlord? Read this.

If you’re a landlord, some of your primary tasks are obvious: find tenants, collect rent, maintain the property as livable space.

But there are many more responsibilities you need to remember. RIS Media’s HOUSECALL blog article “10 Landlord Responsibilities You May Have Overlooked” by Terri Engels lists the following considerations:

  1. Knowing the Landlord-Tenant Laws for Your Jurisdiction
  2. Preparing a Legal Lease Document
  3. The Duty to Deliver Possession
  4. Implied Warranty of Habitability
  5. Respect the Tenant’s Right to Quiet Enjoyment
  6. Completing Repairs in a Reasonable Time Frame
  7. Providing Safety Measures
  8. Reporting Crime
  9. On-Site Property Management
  10. Responsible for Property Manager’s Acts

Click here to read the full article, then call the Law Office of David C. Minicozzi. We can review this list together, and assist with tasks like leases, evictions, and rental agreements.

(“10 Landlord Responsibilities You May Have Overlooked,” by Terri Engels, March 2, 2015 on RIS Media HOUSECALL.)

Getting divorced? Don’t forget about your will.

If you and your spouse created a will before you were divorced, the Connecticut General Statues states that in most cases any provision in the will for the benefit of your former spouse is ineffective.

Here’s a great general article from The Balance about divorce as it pertains to wills and estate planning “Revising Your Estate Plan After Divorce.”

While website information like this is helpful, it’s important — especially during critical phases like divorce — to have expert legal counsel.

Contact The Law Office of David C. Minicozzi 203-483-7069 or 203-804-0841 to schedule a consultation today.

(“Will Your Last Will and Testament Work in All States? by Julie Garber, October 31, 2019 on The Balance website, www.thebalance.com.)


By DAVID C. MINICOZZI, Attorney at Law (Branford, CT)

The trend lately is for banks and mortgage companies to perform “notary only” refinances. Homeowners are told it is convenient and cost-effective. What isn’t discussed is that someone needs to obtain the Release of the old mortgage, file it at the Town Hall, and clear your title. Failure to do so will impair your ability to sell or further refinance your home. You also may not be provided the option to obtain Owner’s Title Insurance. This protects you from future claims against your home due to a faulty title search, boundary disputes and other frightening scenarios. Attorneys are excellent at explaining these issues, facilitating the refinance process, clearing up lingering issues from the original purchase, and answering your questions along the way. A notary will not do this. The attorney will explain the legal significance of the important documents you sign. A notary will not (and by law shall not) explain them because they act only in the capacity of an official witness. Massachusetts has taken steps to mandate an attorney be used in residential refinance transactions. They recognize a refinance is an important transaction that affects your most important possession: your home.

In today’s world, an unfortunate trend exists to discount the use of an attorney in certain type of situations. People are told “oh, it’s just a simple transaction,” or “anyone can write that,” or my favorite, “you can save time and money by having a notary or a paralegal do it, or even do it yourself.” Maybe. But by the time you find out a mistake was made it may be too late.

Don’t let that happen to you. Call The Law Office of David C. Minicozzi 203-483-7069 or 203-804-0841 to schedule a consultation today.

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