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Source of Title Blog

Abstractor Seeks New Legislation
by Robert Franco | 2007/02/08 |

I recently received an e-mail from an abstractor asking her state's land title association to help get new legislation enacted to protect title examiners from the liability of undocumented corrections in the index. I think it is a great idea.

Excerpt from the e-mail:
 

I am writing as a member... in hopes that you can get some legislation enacted that will help all those who examine real estate title in the state...

I think it would be helpful if a date was required to be inserted whenever any indices are changed within any county office, such as the Recorder or Clerk of Courts.

I perform title searches in several counties... One county in particular is very careful with their indexing. In the few times that I've found a mistake... the Recorder is careful to put a date the information was changed into the index for future reference. The Clerk of Court... follows the same procedure.

I also go to a few counties where errors are frequently made, but correction notations are not. According to one examiner I spoke with, errors are often made [in another county] because of the sheer volume of documents taken in. She said that she used to inform the Recorder's Office of errors she found within the index. Eventually she said she stopped that practice because she knew that there would be no way of tracking the change date down. She writes the wrong information down for her own records, but that is all she does.

I think others have the same mind set. Normally, title searchers like to be helpful. But if their helpfulness causes anxiety or a title problem for someone else, then that is another matter. Unless change dates are inserted into the record, a searcher has no way of proving that he or she missed the entry because it was spelled wrong or otherwise indexed incorrectly.

Please forward this letter onto the correct person within [your organization] if you agree with me that this new procedure should be followed. I've mentioned this procedure to the Recorders in several counties, but it is not often followed on a regular basis, if at all.


For certain, abstractors shoulder a substantial amount of liability if they do not show an encumbrance on a title search because it was not properly index and later the index is corrected without any notation. Perhaps legislation would be appropriate to require the recorders to enter a notation of the date, and the specific changes, when corrections are made.

I have been told by others that if you talk to the person in charge of IT that they can check the database and let you know if any changes have been made since a certain date. However, that would require you to know that a change was made to a particular entry.

This type of legislation would make the changes public so that if an error was later discovered it would be readily apparent that if it was missed on a prior search it was not the fault of the abstractor. Abstractors have enough liability without more being fabricated from unknown corrections to the index.

This is another terrific reason to bring back the books. When a correction was made to a handwritten book index it was nearly impossible to conceal. If we are going to change our nations real estate indexes to rely on computer databases, the least we can do is preserve the records as they would have been in the trusty books - complete with notations of corrections.

We will have to see if this stirs any interest from the land title associations. Perhaps this is something we should all get involved with. I would suggest that everyone contact their land title association with similar suggestions. Maybe it is even something that NALTEA can work on as the representative of the abstracting community.

Robert A. Franco
SOURCE OF TITLE
rfranco@sourceoftitle.com

Source of Title Blog ::




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Categories: Abstractors, Land Title Associations, National Legislation, Ohio Legislation, Technology

921 words | 2638 views | 2 comments | log in or register to post a comment



I presume that the handwritt...

I presume that the handwritten notes will have to go someday but not before software providers work out the kinks. Land ownership is too precious to trust to technology that is immature.
 
by Diane Cipa, General Manager, The Closing Specialists® | 2007/02/08 | log in or register to post a reply

I am so pleased that others believe...
I am so pleased that others believe this too. In NC there are so many differences between the ROD real property sites that finding these changes can at times be virtually impossible although I have been to counties where the books themselves are near impossible to decypher. I believe in this new age all land records in every state should be in one uniform format and the ROD depts should be liable for incorrect or "secluded" postings whether corrections or not. Thanks to Laura Riddick in Wake County NC, we have a wonderful and almost fool-proof site, that references changes to the original book and pages! Kudos out to her, Thanks and GREAT JOB MRS. Riddick!!!!!!! 
by Melinda Bloodworth | 2007/02/09 | log in or register to post a reply
Source of Title Blog

Robert A. FrancoThe focus of this blog will be on sharing my thoughts and concerns related to the small title agents and abstractors. The industry has changed dramatically over the past ten years and I believe that we are just seeing the beginning. As the evolution continues, what will become of the many small independent title professionals who have long been the cornerstone of the industry?

Robert A. Franco
SOURCE OF TITLE

 

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