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to post a message: login - or - register | search messages | show all replies



[+] A "thank you & happy new year" to Robert! - Alix Ott/MI (4 replies)
12/29/2008 11:25:10 AM (3654 views)

[+] Career Dilemma - Robert Franco/OH (3 replies)
12/29/2008 9:34:12 AM (4149 views)

[+] Transtar National Title Beware - James "Lin" Toney/MS (5 replies)
12/24/2008 3:57:44 PM (5688 views)

[+] Title Examiner / Abstractor (Telecommute) - Rebecca Fair/FL (4 replies)
12/23/2008 12:35:51 PM (6559 views)

[+] Title Examiner / Abstractor (Telecommute) - Rebecca Fair/FL (1 reply)
12/23/2008 12:34:40 PM (7287 views)




[+] Field Notes - Ellen Maher/MI (5 replies)
12/23/2008 10:34:35 AM (3912 views)

[+] Richard Bolen - Janis Talbot/SC (7 replies)
12/22/2008 10:47:07 AM (4059 views)

[+] GLOBAL TITLE REPORTING SERVICES INC. - Joan Howland/CT (7 replies)
12/22/2008 10:00:45 AM (4611 views)

[+] Give this Christmas gift to your good clients/vendors! - Slade Smith/OH (3 replies)
12/22/2008 7:22:48 AM (4022 views)

[+] New York Title Abstract - Ron McPherson/IA (4 replies)
12/21/2008 8:26:40 PM (4005 views)

[+] REFERENCES ON ABG - Debbie Thibodeaux/LA (3 replies)
12/18/2008 7:10:05 PM (4053 views)

[+] Lipstick on a Pig? REVISED POSTING - . APS/NY (1 reply)
12/18/2008 4:04:54 PM (4085 views)

[+] Legacy Title (Indiana) - Barbara Bennett/IN (1 reply)
12/17/2008 7:13:52 PM (4185 views)

[-] Remove Disclaimer ??? - Glenda Hodge/TN (49 replies)
12/17/2008 6:47:39 PM (4397 views)
Hold Your Ground - Scott Perry/PA
12/17/2008 11:21:13 PM (5586 views)
Re: Remove Disclaimer ??? - Robert Franco/OH
12/18/2008 9:52:15 AM (5594 views)
Re: Remove Disclaimer ??? - MW/IL
12/18/2008 11:51:21 AM (5356 views)
Re: Remove Disclaimer ??? - Clanci Nelson/OH
12/19/2008 12:53:07 PM (5213 views)
Re: Remove Disclaimer ??? - Scott Perry/PA
12/19/2008 10:27:28 AM (5590 views)
Re: Remove Disclaimer ??? - STEVE MEINECKE/TN
12/19/2008 11:20:50 AM (5211 views)
Re: Remove Disclaimer ??? - Robert Franco/OH
12/19/2008 1:08:43 PM (5184 views)
Re: Remove Disclaimer ??? - STEVE MEINECKE/TN
12/19/2008 8:00:10 PM (5167 views)
Re: Remove Disclaimer ??? - Scott Perry/PA
12/19/2008 1:26:48 PM (5248 views)
Re: Remove Disclaimer ??? - STEVE MEINECKE/TN
12/19/2008 3:17:38 PM (5093 views)
Re: Remove Disclaimer ??? - Scott Perry/PA
12/20/2008 10:01:23 PM (4952 views)
Re: Remove Disclaimer ??? - STEVE MEINECKE/TN
12/20/2008 10:14:12 PM (5133 views)
Re: Remove Disclaimer ??? - J Nisonger/CA
12/27/2008 9:32:33 PM (4967 views)
Re: Remove Disclaimer ??? - Patricia Turley/MI
12/22/2008 6:34:06 AM (5152 views)
Is that really necessary? - Robert Franco/OH
12/22/2008 9:54:07 AM (5014 views)
A place for disclaimers - David Bloys/TX
12/22/2008 10:01:16 AM (5485 views)

I think there is a place for disclaimers. I don't use a general disclaimer but I believe they are appropriate and necessary for many situations. Especially when it serves to report local anomalies or clarify expectations.

For example:

  • When the client asks you to update someone elses work. We use a disclaimer stating that the search only covered a specific time period and a specific name. We are currently doing several of these as our client has picked up the work of a company that has gone out of business - thus explaining why we didn't do the original report.
  • When the county records have known errors. Last summer, one of my counties made a switch from one computer system to another. In the process six months worth of records disssapeared from the index. The documents were still in the books, but there was no way to find them. I discovered the error and put a disclamer on all my reports for that county until the county resolved the issue.
  • When a search request is beyond the scope of practicality. Many counties in Texas do not index assignments by borrower name. Legal descriptions are not indexed and in some computer indexes do not even appear in the index. This can make it impractical to accurately track a chain of assignments, unless the client is willing to pay the abstractor for a hand examination of thousands of documents.
  • When your source uses a disclaimer. While I've never found a county to post a disclaimer and I only work directly from the county records, most online databases have a disclaimer. I think it would be reckless to NOT use a disclaimer that restates any disclaimer of your source. No one can be more accurate than their source.
  • When your client requests a partial search. We've had clients request searches that leave out judgements, tax liens and other involuntary liens. In these cases we will either report them anyway or place a disclaimer on the report re-stating the vendors request.

These are just a few examples where a disclaimer serves to inform our clients of local situations in the county records that can affect accuracy and restates our obligations.  We carry a million dollars in insurance but it is not intended to protect us against the errors of others. In my view, a disclaimer that reports local anomylies or clarifies search results does, in fact, reflect pride in one's own work and should be part of any report where anomalies are found.

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Re: A place for disclaimers - William Pattison /CA
1/5/2009 12:33:33 PM (5019 views)
Re: Remove Disclaimer ??? - Nils Nelson/ME
12/22/2008 9:41:02 AM (5092 views)
Re: Remove Disclaimer ??? - Janis Talbot/SC
12/22/2008 10:51:09 AM (5054 views)
Re: Remove Disclaimer ??? - John /FL
12/23/2008 3:41:07 PM (5216 views)
Your Analogy Is Flawed - Scott Perry/PA
12/24/2008 2:08:44 AM (5087 views)
Re: Your Analogy Is Flawed - Dan Zook/NY
12/24/2008 8:44:35 AM (4954 views)
Re: Your Analogy Is Flawed - John /FL
12/24/2008 12:29:13 PM (4836 views)
Re: Your Analogy Is Flawed - Scott Perry/PA
12/24/2008 1:21:10 PM (4843 views)
Re: Your Analogy Is Flawed - John /FL
12/24/2008 1:46:55 PM (5008 views)
Re: Your Analogy Is Flawed - Scott Perry/PA
12/24/2008 2:13:15 PM (5072 views)
Re: Your Analogy Is Flawed - John /FL
12/25/2008 1:27:00 AM (7622 views)
Re: Your Analogy Is Flawed - Scott Perry/PA
12/26/2008 10:00:55 AM (4819 views)
Re: Your Analogy Is Flawed - J Nisonger/CA
12/27/2008 9:43:45 PM (5034 views)
Re: Your Analogy Is Flawed - Scott Perry/PA
12/28/2008 1:03:26 AM (4982 views)
Re: Your Analogy Is Flawed - Dan Zook/NY
12/29/2008 11:36:35 AM (4844 views)
Re: Your Analogy Is Flawed - Robert Franco/OH
12/29/2008 11:43:18 AM (4901 views)
Re: Your Analogy Is Flawed - Clanci Nelson/OH
12/30/2008 8:56:23 AM (4797 views)
Re: Remove Disclaimer ??? - John /FL
12/24/2008 12:51:48 PM (4807 views)
Re: Remove Disclaimer ??? - Scott Perry/PA
12/24/2008 1:25:51 PM (4944 views)
Re: Remove Disclaimer ??? - James "Lin" Toney/MS
12/30/2008 7:49:56 PM (4780 views)
Re: Remove Disclaimer ??? - Clanci Nelson/OH
12/31/2008 2:49:09 PM (7021 views)
Re: Remove Disclaimer ??? - stephen willard/OH
1/6/2009 7:17:22 AM (4844 views)
Re: Remove Disclaimer ??? - michael quinn/NY
1/6/2009 9:34:34 AM (4951 views)
Re: Remove Disclaimer ??? - Robert Franco/OH
1/6/2009 5:02:27 PM (4712 views)
Re: Remove Disclaimer ??? - michael quinn/NY
1/7/2009 3:01:26 AM (4997 views)
Re: Remove Disclaimer ??? - Robert Franco/OH
1/7/2009 12:39:23 PM (4735 views)
Re: Remove Disclaimer ??? - michael quinn/NY
1/9/2009 11:50:36 PM (4739 views)
Re: Remove Disclaimer ??? - Robert Franco/OH
1/10/2009 11:47:01 AM (4794 views)
Re: Remove Disclaimer ??? - STEVE MEINECKE/TN
1/10/2009 1:52:55 PM (6955 views)
Re: Remove Disclaimer ??? - Scott Perry/PA
1/10/2009 5:35:24 PM (4944 views)
Re: Remove Disclaimer ??? - michael quinn/NY
1/11/2009 1:58:20 AM (4665 views)
Re: Remove Disclaimer ??? - Clanci Nelson/OH
1/6/2009 4:57:07 PM (4516 views)
Re: Remove Disclaimer ??? - Robert Franco/OH
1/6/2009 5:14:49 PM (4557 views)

[+] Beware of Richmond Title - Virginia Capps/TN (7 replies)
12/15/2008 5:51:53 PM (4504 views)


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