Mr. Sawyer purchase a home. Sawyer obtained an owner`s title that insured the house to be free and clear of any liens and encumbrances. T. Sawyer, after the purchase the home, sells the home to B. Thatcher. B. Thatcher does not buy title insurance. Later, it is discovered that there is a mortgage on the property held by H. Finn that dates before the effective date of T. Sawyer`s title insurance policy. Does B. Thatcher have any claim against the title insurance purchased by T. Sawyer? Would the result be different if b. Thatcher had inherited the property from T. Sawyer on T. Sawyer`s death?