Which term describes the legal action used to resolve clouds on the title?

• A. Suit quiet title
• B. Title insurance
• C. Subrogation
• D. Encroachments

Answer: (A)

A quiet title action is the legal proceeding used to resolve clouds on a property's title. It asks the court to determine who owns the property and to remove or adjudicate competing claims, liens, or other defects that create doubt about title. This direct judicial process produces a clear, marketable title by eliminating those conflicting interests. Title insurance, while helpful, protects against defects but does not itself resolve the cloud through a court ruling. Subrogation involves an insurer stepping into a insured party’s rights to pursue reimbursement, not a method for clearing title. Encroachments describe actual physical intrusions that can create a title issue but are not the term for the legal action used to resolve clouds on the title.