A title may not be clear if the title to the property was not transferred by formal means after an owner dies. When a property is not legally transferred or deeded to another person, the title or ownership can become "cloudy." A cloudy title can also happen when someone dies without a will or when a family does not administer a will after a decedent's death.
Homeowners living on property passed down from family sometimes can’t take advantage of their property rights.
After the 2005 hurricanes, some Louisiana residents were unable to receive federal and state aid for property damage. They owned their homes. They even paid property taxes. But legal documents didn’t list them as owners. So, they lacked “clear title.” Their homes were passed down through generations by family agreement, but not through the legal system. They owned “heir property” and couldn’t receive Road Home government aid or finance repairs.