Interest rates were dropping so Robert and Charlene Dindo decided to refinance their mortgage. Because they had bought an owner's Policy through First American when they first purchased their home, they were covered for title defects up to the time of their purchase - even after they sell the home. In the course of the Dindo's refinancing, the attorney for the lender discovered a title defect. First American looked into the matter and quickly agreed to insure the refinancing without exception to the newly discovered pre-existing defect, and then retained counsel to cure the defect so that it would not become an issue should the Dindo's decide to sell the property.

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