I was very surprised to learn:
- The company who handled title, escrow, prepared the prelim and the grant deed (Fidelity National Title Company) was not the same company that provided the title insurance (Fidelity National Title Insurance Company)
- How easily the claim was opened on my behalf by Fidelity's title officer - this made me very optimistic
- That Fidelity National Title Insurance Company would hire an appraiser from Boise Idaho to value the loss of the easement
- That no one from Fidelity National Title Insurance Company thought that it was unusual (until I pointed it out) that the appraiser from Boise Idaho determined a "cost to cure" value that to be honest is unrealistically low - but also to a different road to a different town in a different county.
- That then this same appraiser from Boise Idaho would value the loss of an almost mile long easement to an 80 acre parcel in the Napa Valley at $0.
- That for the most part none of the Claims Counsels who were, I thought, supposed to be representing my interests would even talk to me on the phone. That indeed to get any response I had to contact the California Department of Insurance for assistance.
- That the attorney for Fidelity National Title Insurance Company is apparently by his affirmative defenses going to argue that it is my fault that they insured Parcels Two, Three, Four and Five ???? (I am not sure about this but as a lay person this is how I read their affirmative defenses.)