What role does a title examiner play in the title insurance process?

The title examiner plays a critical role in the title insurance process by reviewing documents and public records to ensure the validity of the title. Their primary responsibility is to investigate the property's history, which includes checking for any outstanding liens, claims, or potential ownership disputes. This thorough examination helps confirm that the seller has the legal right to transfer ownership and that the buyer will receive clear title to the property.

By identifying any issues or encumbrances associated with the title, the title examiner ensures that the title insurance company can underwrite the policy confidently. If problems are discovered, such as unresolved liens or title defects, the title examiner will document these findings and work collaboratively with other parties to resolve them before the transaction can proceed smoothly. This step is crucial in protecting buyers and lenders from potential financial losses that could arise from undisclosed issues related to property ownership.