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Before a transaction involving a loan on property, or sale of property is completed, the title company searches public land records for matters affecting that title. Many title searches disclose title problems that are resolved before the insurance is issued.

The results of the record examination are then summarized in a preliminary document called a “Commitment for Title Insurance”. This report documents the status of ownership and enables the lender or purchaser to evaluate the legal condition of title to the property before it is acquired.

The commitment also constitutes an agreement by the title company to issue a title insurance policy if certain requirements stated in the commitment are satisfied.