Last year the Florida legislature adopted a new high-tech
procedure to allow for the remote execution, witnessing and notarization of
legal documents, including last wills.
This procedure solves a problem when a person has to execute a will or
other estate documents and cannot access a notary public or witnesses, such as
when traveling overseas, on a cruise ship, bedridden, hospitalized, too ill to
travel, or homebound in a lockdown situation, such as a pandemic.
The procedure
for online notarization is far more complex than a typical will signing. For physical presence notarization, the
person whose signature is being acknowledged by the Notary Public will produce
appropriate identification, and then wet sign the estate documents as the
necessary witnesses watch, who then wet sign themselves. For in person estate documents, if the Notary
Public may have concerns about the capacity of the person signing, they may ask
a few challenge questions, such as “what is today’s date,” “who is president,”
“do you know why you are here,” and “do you want to sign a will today.”
Starting in
July, 2020, Florida will allow for online notarization of Wills, Trusts, Health
Care Directives and Durable Powers of Attorney.
The procedure for completing a remote estate document package is far
more onerous than the in-person notarization described above. This is due to the perceived greater
possibility of both notary fraud and the possibility of manipulation of an at-risk
adult by third parties who would benefit from the estate documents to be
notarized.
The initial
step is for the attorney or notary to upload the estate documents to the online
notary platform. Once uploaded they must
be tagged for use. Tags include witness
tags, signer tags, notary tags and text tags (for filling in dates, id type,
and checkboxes, for example). Once
tagged and ready for execution, the attorney or notary tells the system to
request that the testator log in and create an account.
Once access
is granted, the testator may review the estate documents before signing. At the scheduled execution time, the testator
will be required to have their identification scanned in using an app available
on iPhone and Android smart phones. This
app is similar to apps used for mobile check deposits. Driver’s licenses and passports are
acceptable forms of identification. Once
scanned and approved, the testator will have a maximum of two minutes to answer
five multiple choice questions, which are soft pulled from credit reports, such
as where did you live in 1995, what car do you own and the like. If the testator gets eighty percent correct,
they then get to proceed to the execution phase. If the testator fails this
test twice, the testator is locked out of the system and unable to sign using a
remote notary for a period of twenty-four hours.
Signing the
estate documents requires a desktop computer or laptop with a webcam and
microphone. The testator must be running
Chrome or Firefox (no Safari) to sign.
At the same time the testator is online, the notary and the witnesses
will also be online either remotely or, as to the witnesses, with the testator.
The notary
must then verify that the testator is not (i) on drugs or alcohol that impair
mental function; (ii) verify no physical or mental condition or long-term
disability that impairs the ability to perform the normal activities of daily
living; and (iii) ask if the testator requires assistance with daily care. If any answer is affirmative, then the estate
documents may only be completed if the witnesses are physically present with
the testator. In addition, the notary
must advise the testator that if they are a vulnerable adult, the estate documents
they are about to sign will not be valid if witnessed by means of remote audio-video
communication technology.
Once the
foregoing provisions are met, the notary must then verify five questions:
1. Are you currently married and if so, what
is the name your spouse.
2. Who assisted you in accessing this video
notarization today.
3. Who assisted you in preparing the estate
documents you are signing today.
4. Where are you currently located?
5. Who is in the room with you?
The notary
must weigh all of the foregoing before allowing the estate documents to be
executed. Any invalid responses may form
the basis of invalidating the estate documents in a later legal challenge.
Once all the
estate documents are signed, they will be given a special encryption key which
is designed to prevent future alteration.
In addition, the notary host site creates a digital log of all
transactions and a video record of the closing, which must be deposited with a
qualified custodian until the testator dies, in which event the electronic
estate document must be filed with the court.
While more onerous, the ability to remotely notarize estate documents
will facilitate planning when other solutions are unavailable.
Michael
J Posner, Esq., is a partner in Ward, Damon, Posner, Pheterson & Bleau,
P.L. a mid-sized real estate, estate planning and business-oriented law firm
serving all of South Florida, with three offices in Palm Beach County. They specialize in probate, estate and trust
planning and can assist with a variety of estate documents including remote and
electronic estate documents. They can be
reached at 561.594.1452 or at mjposner@warddamon.com