Living

From the archives: Gays among heroes, victims of Sept. 11

Our archives piece profiling many of the LGBT dead found in the 5th anniversary of the Sept. 11 attacks issue.

Published

13 years ago

September 8, 2011

This piece ran in the Blade’s five-year anniversary issue in September 2006. It lists some of the known LGBT victims of the Sept. 11 attacks and shows that families of all types were affected by the terrible events of that tragic day. It also shows that many of the 9/11 heroes who saved countless lives were lesbian, gay, bisexual or transgender.

RENEE BARRETT-ARJUNE

Irvington, N.J.

Renee Barrett-Arjune, 41, was working in One World Trade Center at the time of the attacks. An accountant for Cantor Fitzgerald, she was able to escape the building prior to its collapse.

However, she suffered serious burns in the attack, and was hospitalized at Cornell-Presbyterian Hospital, where she died more than a month later on Oct. 18, 2001.

Barrett-Arjune had been a member of the Metropolitan Community Church of New York. She left behind her partner, Enez Cooper, and her 18-year-old son, Eddie, who lived with them.

GRAHAM BERKELEY

Boston

Graham Berkeley, 37, a native of England who lived in Boston, boarded United Airlines Flight 175 on Sept. 11, 2001, on his way to a conference in Los Angeles. He died when the plane became the second highjacked airliner to crash into the World Trade Center.

Berkeley’s parents, Charles and Pauline Berkeley, still live in England and watched the crash on television, although it took eight hours to confirm that their son had been on the plane.

“We had seen the fireball ourselves and knew to expect the worst,” Charles Berkeley told the London Mirror. “We watched our child die. He was a brilliant boy, a brilliant man.”

Graham Berkeley worked for Compuserve as product management director and was a professional violinist in Germany and England, the Advocate reported.

MARK BINGHAM

San Francisco

Gay rugby enthusiast Mark Bingham has been hailed as one of a small group of heroes who fought back against hijackers on United Flight 93, which crashed in Pennsylvania. The flight was believed to have been headed to Washington, D.C., likely to attack another national landmark.

Bingham, 31, was a member of the San Francisco Fog, a gay rugby team, and planned to organize a rugby team for this year’s Gay Games in Sydney, Australia.

A tribute page hosted by the team includes an e-mail from Bingham after he had learned that the Fog had been accepted as a permanent member of the California Rugby Football Union.

“Gay men weren’t always wallflowers waiting on the sideline,” he said, applauding the team’s acceptance into the league. “We have the opportunity to let these other athletes know that gay men were around all along — on their little league teams, in their classes, being their friends.”

PAMELA J. BOYCE

New York

Pamela J. Boyce, 43, was a resident of Dyker Heights, Brooklyn, and worked on the 92nd floor of One World Trade Center as assistant vice president of accounting for the New York office of Carr Futures.

Catherine Anello, Boyce’s partner, told the New York Times that Boyce was a no-nonsense person who wouldn’t want her loved ones to be overcome by grief.

“If there was someone who lost a loved one and had been grieving too long, so that they were not living their life, she would say, ‘Stop. It’s not what they would want. They are in a better place.'” Anello said, “She said, ‘I’m not afraid to die because I know where I am going is beautiful.'”

DANIEL BRANDHORST

RONALD GAMBOA

DAVID REED GAMBOA BRANDHORST

Los Angeles

When Daniel Brandhorst and Ronald Gamboa changed their flights so they could return to Los Angeles from Boston on Sept. 11 with adopted son, David, they had no idea of the tragedy that would await them.

Brandhorst and Gamboa had met 13 years ago at a party. Family friend Donato Tramuto told the New York Times Gamboa “could make a rainy day look happy.” Meanwhile, Scott Pisani, a fellow employee at PriceWaterhouseCoopers, said Brandhorst “made a tremendous amount of time for his family” after David was born, and would often take the toddler to work.

David, 3 at the time of his death, was adopted at birth by Gamboa and Brandhorst. Brandhorst, 41, worked an accountant for PriceWaterhouseCoopers, and Gamboa, 33, was the manager of a Gap store. They were on United Airlines Flight 175.

DAVID CHARLEBOIS

Washington, D.C.

David Charlebois, 39, first officer on American Airlines Flight 77, which collided into the Pentagon after being hijacked by terrorists, died while flying one of his standard routes.

Charlebois lived near the District’s popular Dupont Circle neighborhood with his partner of 14 years, Tom Hay, and their border collie, Chance.

He began his career as a pilot for corporate executives and later worked as a pilot for U.S. Airways. He joined American Airlines a decade ago, where he served as first officer, or co-pilot, flying mostly transcontinental routes out of Dulles International Airport.

Hay said Charlebois’ loyalty to his friends, family, and community was rivaled only by his love for flying.

“He always wanted to be a pilot,” Hay said.

Charlebois was an active member of the National Gay Pilots Association and had worked quietly within his company as an advocate for rights of gay employees, including gay pilots.

EUGENE CLARK

New York

Eugene Clark, 47, observed “the three D’s: dance, drama and divas,” according to the New York Times. His partner of 13 years, Larry Courtney, said Clark had grown up listening to Roberta Flack, loved Broadway musicals and could dance “like Tina Turner… and he had legs almost as good.”

Clark worked for the Aon Corporation as an administrative assistant, but it was his time away from the office that he enjoyed most. He had converted a 10-foot by 24-foot concrete-slab patio into a thriving terrace garden.

He also “adored the musicals ‘Miss Saigon’ and ‘Les Miserables,’ cooked Southern-style fried cabbage, and collected Waterford crystal decanters and vases,” the Times reported.

JEFFREY COLLMAN

Jeffrey Collman, 41, a flight attendant on American Airlines Flight 11, died when the hijacked jet slammed into the North World Trade Center tower in the first attack of Sept. 11, 2001.

A three-year employee of American Airlines, Collman had changed to the Boston-Los Angeles route from his normal Boston-San Francisco flights in order to prepare for an upcoming vacation.

Keith Bradkowski, Collman’s partner, had last heard from him the evening prior to the crash, when Collman called to talk about their upcoming trip, according to the San Jose Mercury News.

Collman received the American Professional Flight Attendant Award in 1999. In addition to Bradkowski, the Illinois native was survived by one sister and four brothers.

LUKE DUDEK

Livingston, N.J.

Luke Dudek and his partner of 20 years, George Cuellar, had dreamt of buying a building to house their high-end floral design store.

On Sept. 11, 2001, that dream finally became a reality. But Dudek, 50, wasn’t there to celebrate, according to Newsday.com.

Dudek was working as a food and beverage controller at Windows on the World, the restaurant at the top of One World Trade Center, that morning, when terrorist planes struck the building.

Dudek’s partner, George Cuellar, continues to run the flower shop he operated with Dudek for 16 years. He said the couple had no regrets in life.

“Everything we did, we did with love,” Cuellar told Newsday. “He’ll always be my best friend. I feel very protected by him. And I always did.”

JOE FERGUSON

Washington, D.C.

James Joe Ferguson, director of geography education outreach for the National Geographic Society, was on American Airlines Flight 77 when it crashed into the Pentagon. Ferguson was traveling on a National Geographic-sponsored educational field trip to the Channel Islands National Marine Sanctuary off Santa Barbara, Calif.

Ferguson, 39, was accompanying a colleague, three teachers, and three sixth-grade students, all from Washington, on the trip.

Ferguson lived on Capitol Hill for 10 years with Winston, his wire-haired fox terrier. He was one of the principal architects who designed the infrastructure of geography education, which resulted in the improvement of geography education throughout the United States, according to National Geographic.

“Ultimately, what he did touched over 150,000 students and teachers — and that is just one person,” said Ed Kaczmarek, a friend of Ferguson’s for 14 years.

CAROL FLYZIK

Plaistow, N.H.

Carol Flyzik, a 40-year-old registered nurse and a member of the Human Rights Campaign, was on American Airlines Flight 11 on her way to California when her plane became the first to crash into the World Trade Center.

Flyzik was a marketing supervisor for Meditech, a software company that serves the medical community. She was headed to California on a business trip at the time.

She left behind a partner of nearly 13 years, Nancy, as well as three stepchildren whom she cared for as her own.

SHEILA HEIN

University Park, Md.

Sheila Hein, an analyst, was working for the U.S. Army’s management and budget office in the Pentagon when American Airlines Flight 77 crashed into it.

Hein, 51, lived with her partner of 17 years, Peggy Neff, in University Park, Md. They bought a house there seven years ago as a “fixer-upper” and turned the backyard into their “own private park,” Neff told the Washington Post. “She is what this yard is. There’s a whole lot of love here,” Neff said.

Hein worked at the Pentagon for the last five years as a visual information specialist for the Army and had only recently changed jobs. She was at the Pentagon that day taking part in an Army internship, studying manpower analysis. A native of Springfield, Mass., she joined the Navy after high school and was sent to Virginia. She spent 10 years in the service as a photographer, married twice, and ventured into a career in computer graphics, working on government contracts.

Hein received a bachelor’s degree from Columbia Union College three years ago after taking courses on and off for 20 years. “She decided it was time to finish it,” Neff told the Post. She planned to get a master’s degree.

MYCHAL JUDGE

New York

New York City Fire Department Chaplain Mychal Judge was killed during the collapse of the World Trade Center towers while administering last rites to a dying firefighter. Fellow firefighters carried his body to St. Peter’s Church and then back to the firehouse.

Judge, 68, had been a Catholic chaplain for the New York City Fire Department since 1992. “Father Mike,” as the gay priest was known, was laid to rest in a memorial service attended by more than 3,000 and presided over by Cardinal Edward M. Egan.

Judge was also a “longtime member” of Dignity/USA, according to the Web site of the organization for “gay, lesbian, bisexual and transgendered Catholics, our families and friends.”

WILLIAM ANTHONY KARNES

New York

William Anthony Karnes and his partner, John Winter, could see Karnes’ office at Marsh & McLennon on the 97th floor of One World Trade Center from the home they shared.

On the morning of Sept. 11, 2001, the 37-year-old Karnes left for the office as usual at 8:30 a.m. The “commute,” which took about 11 minutes, would be his last. At 8:45, Winter heard what sounded like a thunder, and immediately looked out his apartment window.

“At that point, I knew probably a lot of hope was lost that I’d ever see him again,” Winter told LGNY. “Death doesn’t discriminate. Death actually transcends sexual orientation.”

JACK KEOHANE

New York

John Keohane, 41, worked at One Liberty Plaza near the World Trade Center and died when the towers collapsed. After the planes hit the Trade Center towers, Keohane met Mike Lyons, his partner of 17 years, on the street, and called his mother from his cell phone.

“They were just in the streets like everybody else,” his sister, Darlene Keohane, told the San Francisco Chronicle. “As he was talking, he had thought a third plane crashed into the building.”

What Keohane thought was a third crash was really the collapse of the South tower of the World Trade Center. While Lyons survived, Keohane was killed by falling debris.

A native of San Francisco, Keohane had lived in the New York area for a year. Distraught over Keohane’s death, Lyons committed suicide on March 1.

MICHAEL LEPORE

New York

Michael Lepore’s friends now take care of his rosebushes and plants in the garden that had been his pride and joy.

“We used to say nothing bad could ever happen here,” Lepore’s partner of 18 years, David O’Leary, told the New York Times. “And it’s still the most important thing. It’s where I see most of Michael.”

Lepore, 39, was a project analyst at Marsh & McLennan. He shared a home, designed by Frank Lloyd Wright apprentice Edgar Tafel, with O’Leary and their three cocker spaniels, and the couple was in the midst of helping to plan Lepore’s youngest brother’s wedding.

O’Leary said, a month prior to the attacks, their house had been bustling with friends and family.

“Everything was so perfect in our lives,” he said. “Just so perfect.”

PATRICIA McANENEY

New York

Patricia McAneney, 50, always wanted to be a firefighter. While she never actually became one, she did serve as fire marshal for the floor in One World Trade Center where her employer, Guy Carpenter insurance company, had its offices.

Her friends and partner remembered her for her honesty.

“If one of us committed a crime, Pat would be the last person we could go to because she would turn you in,” McAneney’s partner of nearly 20 years, Margaret Cruz, told the New York Times. “She said she might give me a few hours’ head start.”

WESLEY MERCER

New York

Wesley Mercer, the vice president of corporate security for Morgan Stanley, was generally a quiet man. But his partner, Bill Randolph, told the New York Times that Mercer also could be a leader during a crisis.

That’s what he did on Sept. 11, 2001. The World Trade Center towers fell as Mercer helped evacuate other employees

“It put a hole in my stomach,” Randolph told the paper. “But I knew that’s what he would have done.”

Mercer, who was divorced and had two daughters, became a security officer after serving in the military, and was known for his formal style. “He always thought the way he carried himself was important,” Randolph said.

PHILIP “ROXY EDDIE” OGNIBENE

New York

“Roxy Eddie” Ognibene, a member of the Renegades of New York’s Big Apple Softball League, was killed last Sept. 11 while working as a bond trader for Keefe, Bruyette & Woods on the 89th floor of Two World Trade Center, according to Outsports.com.

Ognibene, 39, was considered by his friends to be “a strong lefty hitter, a flawless first baseman,” and a solid pitcher and outfield player, the gay sports Web site reported. Those who knew him said his sense of humor was contagious, and just to see him was to laugh out loud.

Although his work often left him too busy to pursue outside hobbies, Ognibene had a love of softball and had just recently joined the league. During one particularly nasty practice, which occurred in the middle of a downpour, Ognibene was the last to leave the field.

“I don’t care,” he said, friend Ben Moon recounted to Outsports. “I just love to play softball.”

CATHERINE SMITH

New York

Catherine Smith, 44, worked on the 92nd floor of the first World Trade Center tower as a vice president for Marsh & McLennon when tragedy struck last Sept. 11.

Smith and her partner of six years, Elba Cedeno, considered themselves very similar to Pepe Le Pew and Penelope from the Looney Tunes cartoons, according to the New York Times. “They had known each other, in passing, for 20-odd years, both frequenting the same bar,” the paper reported. Later, when both had ended other relationships, they officially met.

The two were together for six years.

“This was my soul mate. We planned to live the rest of our lives together and retire together,” Cedeno said.

From staff and wire reports

Real Estate

Boosting your rental property’s curb appeal

Affordable upgrades to attract and keep tenants happy

Published

6 days ago

April 13, 2024

Scott Bloom

Spruce up your curb appeal with new plants and trees.

In the District of Columbia, the rental market tends to open up significantly during the springtime for several reasons. First, spring brings about a sense of renewal and change, prompting many individuals and families to seek new living arrangements or embark on relocations. Additionally, the warmer weather and longer daylight hours make it more conducive for people to explore housing options, attend viewings, and make decisions about moving. Furthermore, spring often coincides with the end of academic terms, leading to an influx of students and young professionals entering the rental market.

Landlords and property managers also tend to schedule lease renewals or list new vacancies during this time, capitalizing on the increased demand and ensuring a steady turnover of tenants. In the competitive world of rental properties, attracting and retaining quality tenants can be challenging. However, with some strategic upgrades, property owners can significantly enhance their units’ appeal without breaking the bank. From enhancing curb appeal to interior upgrades, here are some practical and cost-effective ideas to make your rental property stand out in the market.

Curb appeal

First impressions matter, and curb appeal plays a crucial role in attracting potential tenants. Simple enhancements like freshening up the exterior paint, adding potted plants or flowers, and ensuring a well-maintained lawn can instantly elevate the property’s appearance. Installing outdoor lighting not only adds charm but also enhances safety and security.

Interior upgrades

Upgrade the kitchen and bathroom fixtures to modern, energy-efficient options. Consider replacing outdated appliances with newer models, which not only appeal to tenants but also contribute to energy savings. Fresh paint and updated flooring can transform the look of a space without a hefty investment. Additionally, replacing worn-out carpets with hardwood or laminate flooring can make the unit more attractive and easier to maintain.

Enhance storage

Maximize storage options by installing built-in shelves, cabinets, or closet organizers. Tenants appreciate ample storage space to keep their belongings organized, contributing to a clutter-free living environment.

Improve lighting

Brighten up the interiors by adding more lighting fixtures or replacing old bulbs with energy-efficient LED lights. Well-lit spaces appear more inviting and spacious, enhancing the overall ambiance of the rental unit.

Upgrade window treatments

Replace outdated curtains or blinds with modern window treatments that allow natural light to filter in while offering privacy. Opt for neutral colors and versatile styles that appeal to a wide range of tastes.

Focus on security

Invest in security features such as deadbolts, window locks, and a reliable alarm system to ensure the safety of your tenants. Feeling secure in their home is a top priority for renters, and these upgrades can provide meaningful, genuine peace of mind.

Enhance outdoor spaces

If your rental property includes outdoor areas like a patio or balcony, consider sprucing them up with comfortable seating, outdoor rugs, and potted plants. Creating inviting outdoor spaces expands the living area and adds value to the rental property.

As landlords, investing in the enhancement of your rental properties is not merely about improving aesthetics; it’s about investing in the satisfaction and well-being of your tenants, and ultimately, in the success of your investment. By implementing these practical and affordable upgrades, you’re not only increasing the desirability of your units but also demonstrating your commitment to providing a high-quality living experience.

These efforts translate into higher tenant retention rates, reduced vacancy periods, and ultimately, a healthier bottom line. Moreover, by prioritizing the comfort, safety, and happiness of your tenants, you’re fostering a sense of community and trust that can lead to long-term relationships and positive referrals. So, let’s embark on this journey of transformation together, turning rental properties into cherished homes and landlords into valued partners in creating exceptional living spaces.

Scott Bloom is owner and Senior Property Manager of Columbia Property Management. For more information and resources, visit ColumbiaPM.com.

Real Estate

Real estate agents work hard for that commission

Despite recent headlines, buyers and sellers benefit from our expertise

Published

2 weeks ago

April 6, 2024

Justin Noble

Realtors work hard for that rare six percent commission.

With there being a lot of noise in the media lately as I am sure you have read and heard headlines like “Gone are the days of the 6% commission” and “End of the good days of Realtors,” etc., I wanted to re-run a very short article of the long laundry list of things that well versed real estate agents bring to the table to earn that seldom 6% commission. It’s typically split in half and it has always been negotiable).

As a real estate professional you will go on listing appointments and buyer meetings to not only attempt to gain business but in doing so you also educate the general public on what it is that we as real estate professionals do. I know what you’re thinking – and if you’ve seen my photo before you wouldn’t be wrong to assume that I am cast in “Selling DC” as the lead villain. I am just waiting for that phone call! But in all seriousness, when I sit down to come up with a list of things to prove to prospective clients the value in working with me as their real estate professional, I am pretty blown away at the items and qualities that a trusted professional representing you in a real estate transaction is responsible for managing a myriad of tasks, including but not limiting to the following:

• Have a pulse on the marketplace to truly understand exactly what is happening from a buying and selling standpoint while also understanding the economic side of things – not just looking at interest rates. Why are rates where they are? What employers are laying off and could cause an influx of inventory? What are the trends for individuals moving IN or OUT of an area looking like? Forecasting the marketplace of all things that truly affect real estate is vital.

• Soft Skills – these are the skills often considered as customer service skills. The ability to be approachable by all types of people and ensure that you are open to receive information. Also – when telling you bad news – it’s important to ensure that it is done in a manner in which you, the receiver, will be pleasantly receptive.

• Pre-market vendors – not only are real estate professionals expected to market your home for sale or locate a home for you to purchase, we are also expected to have a list of pre-market vendors to which you can use for your lending needs, home inspection, title work, any fluffing and buffing needed pre market for the sale of your home such as a contractor, painter, landscaper etc. We have a book of extremely well vetted vendors that either I personally have used or past clients have used that can assist with your needs. This beats Googling for hours and accidentally choosing the wrong contractor. Section A of the pre-market vendor list includes those in which we real estate professionals use for marketing materials for your property – we will use the best photographers, have floor plans drawn for your property, video, staging, catering for brokers opens and the list goes on. Again – this is a well vetted list that we have worked on for years and done all of the heavy lifting and had those uncomfortable conversations when things are not properly executed – so you don’t have to.

• On Market Tasks – these are the tasks that most clients are unaware that we do. Oftentimes when a listing is on market – folks think that I am just cruising around in my convertible buying nice things. However I am in fact going around checking each listing on market to ensure that they are clean, the booties are replaced, marketing materials are stocked, light bulbs are all working, staging looks crisp and the list truly goes on. That of course, doesn’t include the tasks we do to properly market the property such as weekly email blasts, reaching out several times to follow up with showing agents to get their feedback, check the market to see what our competition looks like, what’s under contract and why, and again…..I could go on. Needless to say the most important and time consuming tasks are those that are done when the property is on market.

• “Contract to close” management – the term contract to close is pretty much what it sounds like – it’s what happens from the time we go under contract until we reach the closing finish line and you have those keys. Once a trusted real estate professional has fiercely negotiated on your behalf as a buyer, the fun starts. Again pops up this vendor list – helping guide you though selection of a home inspector, termite inspector, etc. for the inspections. A title attorney is needed (depending on your jurisdiction) and any other vendors for quotes like renovations, etc., that you might want done to the property. Once the inspection is completed and we go through possible re-negotiations then we must ensure that the lender has the documents needed from you completed in order to have the appraisal done to prove the value of the home you are under contract for. Now we are getting into the weeds – but once we are on the other side of things and the appraisal comes back at value and the loan is clear to close then we are at the finish line to your new home.

A similar story can be told if you are selling your home. The appraisal is a very important part of the checklist as that is the value in which your home is worth. The appraiser is a third party that neither the buyer, seller, lender or myself have any allegiance to. I do, however, have the duty to educate said appraiser on why I chose the listing price and how I came up with that value.

• Post-market vendors. As mentioned before, a real estate professional should have a book of well vetted vendors from which to choose. Looking at the list of vendors now that we are on the other side of the table – I can provide a cleaning person, HVAC contractor, someone to repair the sprinkler system, a dog walker, the best caterers and bakery in town. Further down the road I am able to provide a wonderful wealth manager who can tell you what to do with that piece of real estate you purchased some time ago and we could go on for days.

While you are fully entitled to not use a real estate agent during your real estate transaction, I do believe that it is well within the realm of possibilities to say that without one there would be loose ends not completely tied up, things mismanaged and possible delays that could cost real cash. All of that aside, it is also such a truly wonderful experience to work alongside a trusted professional that at the end of the transaction becomes a new friend and family member. Real estate professionals love what they do, they love real estate and people and sheepherding you through the home buying or selling process is what it’s all about to us.

Justin Noble is a Realtor with Sotheby’s international Realty licensed in D.C., Maryland, and Delaware for your DMV and Delaware Beach needs. Specializing in first-time homebuyers, development and new construction as well as estate sales, Justin is a well-versed agent, highly regarded, and provides white glove service at every price point. Reach him at 202-503-4243, [email protected] or BurnsandNoble.com.

Real Estate

Do you need title insurance?

Facilitating smoother and more efficient real estate transactions

Published

2 weeks ago

April 6, 2024

Valerie Blake

A title search is an important part of the home buying process.

A title search is an examination of public records to determine the legal ownership of a property and identify any claims or liens against it. This comprehensive investigation delves into deeds, mortgages, court records, tax records, and other documents related to the property’s history. The objective is to verify that the seller has the legal right to transfer ownership of the property and that there are no undisclosed issues that could cloud the title.

I would surmise that most buyers have never read their title report or policy and I confess that I was one of them until 2005, when I bought a house in San Diego. While I was “in escrow,” my agent presented me with a title report. My first reaction was, “What do I do with this?” He replied, “review it and sign indicating that it is acceptable.” I had no idea what to look for, since I had always had title companies to rely on for interpreting the results. Thankfully, it was a clean report with no liens on it other than the mortgage the seller would be paying off at settlement.

Here, only if anything is amiss will the title attorney notify the agents and advise what the parties need to do to satisfy any conditions that could prevent them from closing. Otherwise, you won’t see the report up front.

Why are title searches important?

They verify the seller’s legal right to transfer ownership of the property, providing assurance to the buyer that they are purchasing a legitimate asset.
They identify any outstanding liens, mortgages, or other encumbrances that could affect the property’s value or the buyer’s ability to obtain financing.
A title insurance policy provides coverage for losses arising from title defects such as disputes, undisclosed easements, forgery, or fraud, offering peace of mind to both buyers and lenders.

The process starts with the retrieval of documents from various sources, including county clerk offices, tax assessor’s offices, and court records.

The records are then inspected to trace the chain of ownership and identify any potential issues. The title examiner verifies the accuracy of legal descriptions, checks for inconsistencies or errors, and identifies any red flags that may indicate title defects.

If found, resolution of issues or discrepancies, such as unpaid taxes, outstanding liens, or boundary disputes must be addressed before the transaction can proceed. This may involve negotiating with creditors to satisfy outstanding debts, requesting more information from sellers, and resolving legal disputes.

Once complete, the firm will issue a title report on which to base a title policy. The buyers will receive a copy at settlement. The report provides a detailed summary of the property’s ownership history, any encumbrances or defects found during the search, and recommendations for mitigating risks.

Title insurance for the lender is required, but buyers often ask whether they need owner’s title insurance coverage too. I always recommend buying an owner’s policy. If a buyer chooses not to, then only the lender is protected from any claims revealed after the issuance of the title report. For a one-time fee, an owner’s policy protects your interest in the property and that of any heirs from future claims until the house is ultimately sold.

For example, I attended a settlement with a buyer who was purchasing a rowhouse. A woman who had power of attorney to sign for the seller was also there and, because he was overseas, the actual seller was on speaker phone to address his concerns or ask any questions.

The closing agent began reading the settlement statement aloud to indicate what was being deducted from the seller’s proceeds. The seller was fine with the amount shown for the remainder of his first mortgage, but when she read out the amount of the second mortgage, the seller, now agitated, asked, “What second mortgage?”

It then became clear that the woman, the owner’s former fiancée, had used her power of attorney to obtain a second mortgage after the title search had been done. Thanks to the title companies’ involvement, the seller was able to post a bond for the missing funds to allow settlement to proceed while he took on a legal battle with his former fiancée. Don’t try this at home, kids.

By uncovering potential issues early in the process, title searches help facilitate smoother and more efficient real estate transactions by resolving issues upfront, ensuring a seamless transfer of property ownership. But nobody knows when great Uncle Bob or your former tenant may show up with a claim to the house. You’ll need your owner’s title policy to have someone on your side.

Valerie M. Blake is a licensed Associate Broker in D.C., Maryland, and Virginia with RLAH Real Estate / @properties. Call or text her at 202-246-8602, email her via DCHomeQuest.com, or follow her on Facebook at TheRealst8ofAffairs.