That is a good point.  There are still some independent agents that have decided not to adopt the lower standards.  Many of them realize that it is their reputation on the line if a claim is filed and that could hurt business, even thought the underwriters are willing to assume the risks.

And, commercial work is still an area where expertise is required.  Probably because there are usually attorneys involved, who understand marketable title, looking out for their clients.  Who is looking out for the Average Joe consumer? 

Thanks for the input Doug.

Best,
Robert A. Franco
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