Which term describes the process of resolving clouds on the title through legal action?

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

Answer: (B)

A quiet title action is the process used to clear clouds on the title through court proceedings. A cloud on title is any claim, dispute, or encumbrance that creates doubt about who owns the property or how it can be transferred. In a quiet title suit, the owner asks the court to affirm rightful ownership and to adjudicate or eliminate competing claims so they are no longer enforceable against the title. Once the court issues relief, the title is considered quiet, removing the unwanted claims from the public record and making the property more marketable.

Encroachments describe physical intrusions onto someone else’s property and aren’t a court-based remedy to clear title. Title insurance provides protection against title defects but doesn’t by itself resolve clouds via a court judgment. Subrogation involves one party stepping into another’s legal rights to pursue recovery, not clearing title.