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Life happens when you are not ready. Hurricanes, tornadoes, fires, floods, landslides, earthquakes-all of those things may come when you are unprepared. That is why it's important to guard important documents by keeping copies in a safe place far from your house.

What do you do if you should prove ownership of your home, and you cannot locate your ownership papers? Where is it possible to get copies of the deed, deed of trust, warranty deed, or title policy? In order to improve o-r repair your property, you will need to show title.

In many situations, your county courthouse will have copies of the property ownership papers, unless the courthouse also was destroyed, such as happened in Mississippi and Louisiana after Hurricane Katrina. Here's the way you may be able to track down alternative documentation:

a When your county court is whole and undamaged, the county clerk provides, for a fee, certified copies of your deed or mortgage showing that you own your property. If that is difficult, you can find other options.

a Contact your lawyer, closing agent or property agent to obtain the name of the subject company you worked with. They could put you in touch with the concept underwriter that issued your Owner's Title Insurance Policy.

a Contact your lender to ask if they can offer you with a copy of your mortgage. Your attorney or closing agent could have the name of one's lender if you cannot discover it.

Now could be a good time to create copies of your significant homeownership documents (along with your own personal documents). One strategy is always to check your documents and save your self them to your disk or CD-ROM and send it to a trusted counsel, relative or friend who lives in a different part of the nation. Another approach is to photocopy the files and store the copies in a safe deposit box or home safe. In any case, to stop likely water damage, seal the devices, CDs or documents in plastic storage bags. Hopefully, you'll not have to depend on these details, however it is good to know there are things you can do to prepare for an emergency. auto repair orange county