L. Smirlock Realty Corp. v. Title Guarantee Company

Summary

The New York Court of Appeals reversed the Appellate Division, holding that a title insurance policy is not voided by the misrepresentation clause absent intentional concealment of a non‑public fact, and that the insured has no duty to disclose material facts that are readily ascertainable from public records. The case was remanded for a trial on the plaintiff's damages under the policy.