I have to agree with Birny Birnbaum on one point: he's absolutely right when he says, "A small portion of the premium dollar is spent on doing the title search,"...

I think most of the searchers who read and post here will attest to that fact.  My friends, we searchers do most of the "heavy lifting", yet we're way underpaid in relationship to some of the confiscatory premiums the insurers are collecting!!

Regards,
Scott L. Perry, President
Jireh Business Information Solutions, Inc.