 Things like filing an insurance claim for flood damage, for example. Getting a loan against your house through a HELOC or something like that. Things like getting a tax break for being, say, a senior. Seniors often have advantages on property tax payments, and you can't get that necessarily if you aren't the sole owner, or if the title at least isn't completely clear. And so for people whose biggest asset is their house, which is the majority of Americans, they should still write a will if they're worried that that