Who may bring an action for cloud on title?

• A. The insurer
• B. The county
• C. A person, organization or corporate injured thereby
• D. The bondsman

Answer: (C)

When a title is clouded by a claim or encumbrance, the remedy is an action to quiet title. The party who may bring this action is any person, organization, or corporate entity that has, or claims, an interest in the property and would be harmed if the cloud remains. They have standing to sue because the goal is to obtain a court declaration that their title is clear and free from the adverse claim.

This is not limited to a specific category like insurers or government bodies unless they have a direct, recognized interest in the property. A bondsman or a county generally lacks a direct title interest to trigger a quiet-title action, unless their stake in the property gives them standing. The key is the injured party with an ownership or financial interest in the property who stands to be affected by the cloud.