COVID-19 Update


Chicago Title is committed to providing as much information as possible with regards to the efforts in place to minimize the impact on the real estate industry.

We will remain open and fully operational during this unprecedented time. You can continue to order your residential and commercial title insurance policies through the third party conveyancing platforms as you currently do. You can also order your residential and commercial title insurance policies online via CTIC Express.

We have taken a number of precautionary measures to ensure the safety of our employees, clients and the community. We want to assure you that we have the technology in place, which will allow our employees to work from remote locations in an efficient and effective manner, allowing us to provide uninterrupted and quality service to our clients as necessary.

Gap Coverage

Gap coverage is available to allow closing of the transactions in the event the Land Registry/Land Titles Offices experience delays or closure. Gap is included automatically in every residential and commercial title insurance policies and there is no requirement for an additional endorsement.

There is no limit on Gap Coverage. As long as

  1. the title search has been done within 30 days of closing and
  2. all documents are executed by all parties to the transaction the purchaser and/or lender will benefit from the coverage.    

In jurisdictions where online registration is available, there should not be any disruption of service. If these services either close or experience delays, Gap Coverage will be in force in the same manner.

Tax Verification

Our Tax Verification Service is available to issue Tax Certificates. Some municipalities do not have the technology in place for accessing the information online and we are closely monitoring the situation. While we might not be able to produce a formal Tax Certificate, we will provide verbal confirmations, when possible, in order to facilitate your transactions and provide coverage for the purchasers and lenders.

Chicago Title will provide coverage over arrears of real estate taxes where evidence/confirmation was obtained through a receipted tax bill of payment or an undertaking from the vendor (or declaration from the borrower on refinance transactions) confirming realty taxes and utilities to the extent they can form a lien are paid to date.

Other Off Title Searches

With regards to other off-title searches, if the current situation prevents a law firm from obtaining responses from Municipalities or Government offices, please know that Chicago Title will work with you to provide title insurance coverage where we can in order to close the real estate transaction.

ID Verification

As a result of COVID-19 and social distancing, Chicago Title will issue title insurance policies in the event the closing of a real estate transaction is done remotely by using technology such as video conference. If lawyers are using video conferences to close their transactions and verify the identity of the parties, measures need to be put in place to mitigate some of the risks associated with this practice.   

Chicago Title’s ID Verification service is here to help. The knowledge-based authentication process uses information that should only be known by the client. Only the true identity owner should be able to correctly answer the questions when having their identity verified. When the closing of the transaction or verification of identity is not face-to-face, please let us know by adding a note to the title insurance order. An additional fee of $17.50 plus tax will be applicable when Chicago Title is requesting the ID Verification.  

Should you wish to request an ID Verification outside of a Title Insurance order, we will be happy to provide the service for $25.00 plus tax.

Your provincial Law Society, Notary Society, Chamber of Notaries may have release guidelines pertaining to remote signing and commissioning. Please consult with them and ensure you are complying with their recommendations.

Please be on guard for any red flags of fraud in your transactions. These red flags include rush closings; last-minute re-direction of funds requests or requests to send funds to unrelated parties or private mortgages on properties that are mortgage-free.

If you encounter any other situation where Title Insurance might be of assistance, please do not hesitate to contact us. We are committed to working with you to allow real estate transactions to close as smoothly as possible.

Thank you for choosing Chicago Title for your title insurance needs! We truly value your business.

Ontario/Western Canada 
Ontario/Ouest Canadien

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Quebec/Atlantic Canada

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