Which of the following is NOT typically covered by title insurance?

Title insurance generally provides protection against various issues that may affect property ownership, such as ownership disputes, fraud related to the title, and errors in public records. These scenarios often lead to risks that can surface after a property transaction, and title insurance is designed to cover the financial loss associated with such risks, ensuring that the insured party is protected against any legal challenges or claims to the property.

Natural disasters, however, are not typically covered by title insurance. Such events, including floods, earthquakes, or tornadoes, are better addressed through other forms of insurance, such as homeowners' insurance or hazard insurance, which specifically cover damage to property caused by these types of events. Title insurance focuses on legal aspects of property ownership rather than environmental risks or physical damages that may arise from natural occurrences. Therefore, identifying natural disasters as an exclusion from the protection offered by title insurance is accurate.