According to Florida law, title insurance cannot be written on a basis that ignores which factors?

In Florida, title insurance is designed to protect against losses arising from defects in title and adverse matters affecting the property. The correct factor that cannot be ignored when writing title insurance is the existence of adverse matters or defects in title. This includes issues such as liens, encumbrances, or other legal complications that could impact the ownership and use of the property.

Title insurance policies specifically address these concerns to ensure that the insured parties are protected from legal claims or financial losses that may arise due to such defects. Excluding the consideration of these adverse matters would undermine the very purpose of title insurance, which is to guarantee ownership and defend against potential title disputes.

The other choices, while relevant to property valuation and legal considerations, do not directly pertain to the fundamental requirements of title insurance. For example, market value and property size may influence the property appraisal process but are not determining factors in the issuance of title insurance itself. Similarly, while government regulations can affect property use and development, they do not inherently relate to the core function of title insurance in protecting against title defects.