I personally did not know there was a refinance rate.

Are they using reissue rate interchangeably?

If so, it's the typical ignorance of the general public about what title insurance is.

Another reason for this is a slimey attorney (no offense Robert and Kevin) got a bug up his you know what and found a way he could manipulate the verbage to make a great class action that will never go to court and eventually be settled and he and his firm make a great fee back up by nothing more than bravado and posturing.
Nothing but organized crime if you ask me. Extortion.