Here in Texas, when refering to "direct" and "indirect " searches we would interepret as "starts" or "starter files". In other words, a prior title commitment or policy. If the prior covers your exact legal description (i.e. exact match on lot & block and map reference in a subdivision) then it is considered a "direct start"; if the prior covers a different lot and/or block within the same subdivision then it is considered an "indirect start". The purpose and use of this is to assist in expediting the completion of the title commitment by helping reduce reseach time in finding "exceptions" items typically shown on Schedule B of a Texas Title Commitment. Texas requires that the exceptions items like restrictive covenants, recorded easements, etc., be set out individually as opposed to generally excepting to these items. Texas Title Commitment forms are promulgated by the Texas Department of Insurance (TDI) and contain a Schedule A, B, C & D; unlike ALTA Commitments which include a Schedule A, B1 & B2. Additionally, the TDI also requires that the title search be derived from an underwritten title plant (i.e. minimum 25 year geographic index of the county records). A Texas title agent cannot recieve a license from TDI without ownership in or a valid lease of an underwritten title plant (see procedural rule P-12; http://www.tdi.state.tx.us/company/titlem4c.html#P-12).
Hope this helps.
Doug Hollowell
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