Which insurance document gives a legal opinion about the property's title?

The correct answer is an attorney's opinion letter, which serves as a legal document that provides an evaluation of the property's title based on thorough examination of relevant records. It reflects the attorney's professional judgment and expertise in assessing whether the title is clear of any liens, encumbrances, or defects that could affect ownership.

This letter often accompanies real estate transactions, lending security to buyers and lenders who rely on the attorney's interpretation to confirm that they have the rightful and uncontested ownership of the property. It provides a level of assurance that potential legal issues related to the title have been examined and addressed before the transaction is finalized.

In contrast, the title insurance policy, while also related to title issues, provides financial protection against future claims or defects that may arise after the purchase. However, it does not give a legal opinion on the title at the point of closing. Flood certification pertains to the flood zone status of a property, ensuring compliance with federal regulations regarding flood insurance but is unrelated to title opinions. Liability insurance certificates focus on coverage for legal liabilities, not addressing the legal status of property ownership or title clarity.