Which event can trigger the need for a title insurance claim?

The need for a title insurance claim is typically triggered by an event that affects the integrity of the property's title. Finding fresh evidence of a prior lien is significant because it can indicate that the property is not free and clear of encumbrances, which is a fundamental assurance that title insurance provides. If a lien is discovered after a policy has been issued, this could jeopardize the ownership rights of the property and lead to financial implications for the owner. The title insurance is intended to protect against such risks, so this situation would necessitate a claim to resolve the issue.

Completing construction on a new home mainly pertains to the physical improvements on the property, which does not directly relate to the title itself. Disputes with neighbors regarding property boundaries, such as fence placement, typically involve property lines and easements but do not necessarily affect the legal ownership or title integrity. Having the property appraised is an assessment of its market value and also does not impact the title directly. Therefore, these other events would not typically invoke a title insurance claim, while discovering a prior lien directly contradicts the assurances made by the insurance policy.