Who can perform a title search for issuing a title policy?

A title search is a critical step in the issuance of a title policy, as it involves examining historical public records to establish the legal ownership of a property and identify any potential issues that could affect the title. A title insurance agent or an employee of a title insurance agency is specifically trained and qualified to conduct these searches and ensure compliance with relevant laws and regulations.

They have the necessary expertise to understand the complexities of titles, including any liens, encumbrances, easements, or other claims that could exist against a property. Their role is also to interpret the findings of the title search accurately, which is essential for issuing a title policy that protects the buyer and lender from future disputes regarding ownership.

While licensed attorneys can perform title searches and may provide additional legal guidance on title issues, the specific training and operational framework of title insurance agencies position their agents or employees as the primary entities responsible for conducting these searches within the context of title insurance. Other professions, such as real estate brokers or independent contractors, may not have the same level of specialization in title searches and associated policies, which significantly limits their capability in this area.