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[+] Contemporary Realty-STILL - SHARON YAHRAES/ID (8 replies)
10/16/2006 1:39:50 PM (2464 views)

[+] Another one bites the dust! - Kurt deVries/FL (2 replies)
10/16/2006 12:56:47 PM (2475 views)

[+] Carolinas Title Camp Approching - Robert Franco/OH (5 replies)
10/16/2006 11:14:12 AM (2441 views)

[-] What is a "direct" vs. "indirect" search - Jeanine Johnson/FL (3 replies)
10/15/2006 11:43:04 AM (2345 views)
Re: What is a "direct" vs. "indirect" search - Scott Perry/PA
10/15/2006 2:11:09 PM (2975 views)
Re: What is a "direct" vs. "indirect" search - LAWANDA  MCMILLIAN/AR
10/16/2006 3:25:14 PM (2900 views)
Re: What is a "direct" vs. "indirect" search - Doug Hollowell/TX
10/18/2006 11:23:50 PM (4604 views)

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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[+] You Gotta See It To Believe It - Jan Forster/NC (2 replies)
10/14/2006 6:14:46 AM (3438 views)




Election Assistance Needed - Jan Forster/NC
10/14/2006 5:57:41 AM (1872 views)

[+] Friday 13 th - Kevin Ahern/CT (11 replies)
10/13/2006 6:32:25 AM (2364 views)

"Experienced Novice" has a question - David Adler/NY
10/12/2006 1:04:08 PM (2000 views)

[+] Candidates Duel Over Online Records - David Bloys/TX (3 replies)
10/12/2006 12:36:29 AM (3171 views)

[+] Credit Card Interest Rates - Ricky Farrow/FL (1 reply)
10/12/2006 12:28:08 AM (2260 views)

[+] Recordings & Transfer Forms - Danielle Nelson/WI (10 replies)
10/11/2006 10:45:38 AM (2345 views)

[+] Learned Something New - Helene /GA (4 replies)
10/10/2006 10:21:23 PM (2402 views)

[+] INFORMAL "LIST" POLL - Jan Forster/NC (4 replies)
10/9/2006 12:01:52 AM (3262 views)

[+] The "A" List - Jan Forster/NC (12 replies)
10/6/2006 9:45:48 AM (2658 views)

Red Light Cameras Exposed Thousands To Identity Theft - David Bloys/TX
10/5/2006 9:07:00 PM (3132 views)


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