Part 3: What to Expect from the Title Company’s Investigation

At Philip Meyer PLLC – Attorney at Law, we’ve helped Texas property owners navigate every phase of this process—from first filing to final decision. In this article, we walk you through what really happens during the title company’s investigation, what they’re looking for, and how to protect yourself along the way.

After receiving your claim, the title insurance company assigns it to a claims examiner—their in-house investigator. This person is responsible for reviewing your policy, examining the issue, and deciding if your claim falls within the scope of coverage.

While some examiners are thorough and professional, others may look for reasons to limit liability. That’s why it’s important to keep all communication clear, factual, and documented.

The claims examiner will collect and analyze a variety of materials, including:

This part of the process can take several weeks to a few months, depending on the complexity of the issue.

Don’t be surprised if the title company reaches out for additional documents, clarification, or sworn statements. Common requests include:

• A more detailed explanation of how the problem was discovered
• Copies of communications with third parties
• Any evidence of financial loss you’ve already incurred

Pro tip: Respond quickly, but carefully. If you’re unsure how to answer something, talk to an attorney before replying. What you say now could influence how your claim is handled—or whether it’s denied.

Once the investigation is complete, the claims examiner will issue a decision.

There are generally three outcomes:

Approved:

If the issue is covered, the title company may:

• Pay to clear the defect (e.g., resolve a lien)
• Reimburse you for financial loss
• Provide legal defense if someone is challenging your ownership

Denied:

If they determine your issue isn’t covered under the policy, they’ll send a denial letter with their reasoning. Don’t panic—many denials are disputable with proper legal support.

Delayed or Inconclusive:

In some cases, the insurer may claim they need more time or lack sufficient evidence. This can drag things out indefinitely without pressure from an attorney.

While the title company investigates, keep the upper hand with these tips:

At Philip Meyer PLLC, we advocate on your behalf and hold title companies accountable to their contractual obligations. Our goal is to resolve your issue efficiently—but we’re also ready to litigate when necessary.

The title company’s investigation may feel slow and opaque, but it’s a critical phase in determining your rights—and your options. Knowing what to expect can help you stay prepared, informed, and one step ahead of potential roadblocks.