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Insurance Law/Release of Lien on Residence


Three months ago I completed paying my mortgage in full in Highlands Ranch, CO.  When I called the Public Trustee Office for a Release of Deed of Trust I was informed that it was sent to Verdugo Trustee Service Co, an affiliate of my former mortgator, CitiMortgage, Inc.  I expected that the original signed copy of the deed to my home would be sent to me and my relationship with CitiMortgage was over.  Why would they get the original of my deed and should I have a concern?


It appears that this company is the one who is handling the re-conveyance of title and removing any liens that were in place. Generally, the banks don't just send you the title as there is a lot of information on it regarding the lien itself that needs to be removed.

I would recommend that you send a certified letter to the office handling your title and request the contact information for the person handling your file, along with a request for the expected timelines for completion of the process. This way you are kept in the loop and have a contact that you can deal with directly. Also makes sure that they have the correct information for you.

Hope this helps.

Kevin Hromas
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Kevin Hromas


I am a licensed, executive general adjuster currently holding a Texas resident P&C license (614250), New Mexico non-resident all lines license (248774), Oklahoma non-resident P/F/M license (A299561), Florida non-resident P&C license (E117051) and a National Flood Insurance Program certification (06040100). My areas of expertise involve property and casualty issues in both residential and commercial policies with regards to claims practices and issues. I deal extensively with Lloyd's of London commercial policies and various domestic carriers for residential policies.


After a 20 year career as a General Contractor, I was employed by Allstate Insurance as an adjuster in Texas, holding various postitions within the property claims department. After leaving Allstate, I specialized in handling losses associated with major catastrophes through-out the country. (Hurricanes Isabel, Charlie, Wilma, Katrina, Ike, etc., hail storms, floods.) I am currently retained as an expert by multiple insurance defense firms in Texas for issues in litigation. I am also a certified Umpire for formal appraisals.

Member - Society of Registered Professional Adjusters Fellow - Council on Litigation Management Member - Property and Casualty Association Member - Texas Independent Insurances Adjusters Association Member - National Association of independent Insurance Adjusters Member - Houston Claims Association

Claims Magazine ( and then search 'Kevin Hromas' for a full listing of articles and quotes.),,

JD - University of Houston Law Center - 1992 BA - Southwest Texas State University - 1980 AA - South Plains College - 1977 PLCS - Personal Lines Coverage Specialist

Past/Present Clients
Certain Underwriters at Lloyd's, London, Fulbright & Jaworski (Law Firm), Bracket & Ellis (Law Firm) Thamm & O'Briant (Law Firm) Sheehy, Ware & Pappas (Law Firm) Walker, Wilcox and Matousek (Law Firm) Financial Guarantee Underwriters

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