What factor is NOT typically covered by a title insurance policy?

A title insurance policy is designed to protect property owners and lenders from losses due to issues related to the title of the property. Coverage generally includes protection against hidden defects or claims that could affect ownership, such as undisclosed heirs, forged documents, and liens against the property.

Natural disasters are not covered by title insurance policies because these events pertain to environmental factors that can cause physical damage to the property itself, rather than issues related to ownership or legal status of the title. Title insurance focuses specifically on the legality of property ownership, making natural disasters irrelevant to its scope of protection.

By understanding the limitations of title insurance, property buyers and professionals can make informed decisions about additional coverage options, such as homeowners insurance or other types of policies that specifically address risks associated with natural disasters.