I'm sorry, Laurie.  I feel it's just a matter of time for us, too.  Our insurance is the first line of defense if a claim happens, and with over 40 abstractors....  well, you understand.

We have a LOT of disclaimers on our forms.  The one that applies here is "ALSO the results of this search are dependant upon the accuracy of the indices generated and maintained by others.  This search does not cover matters of record if same were not properly indexed." 

Everyone should use something like that.  Won't mean you won't get a claim, but it might allow you to fight it.  Yes, legal fees can be high, but probably wouldn't be as bad as what your E&O would become!