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  The remaining 20 percent covers the insurance policy, a significant portion of which is put into reserves for claims that could
  occur 10 or 20 years in the future. According to the statutory accounting rules for title insurance,
  only reported claims are reflected in the loss expense, while in other lines-both reported and unreported
  claims are included in the loss expense. Examine the indexes in the recorders' offices, pursuant to various rules established by state legislatures and courts.
  Unlike some land registration systems in countries outside
  the United States, US states' recorders of deeds generally
  do not guarantee indefeasible title to those recorded titles.
  Most of the industrialized world uses land registration systems for the transfer of land titles or interests in them.
  The Torrens title system is the basis for land registration systems in several common law countries.
  
  Title insurance companies also have the ability to discharge ancient mortgages
  under the Real Property Actions and Proceedings Law (RPAPL) in New York.
  
  As a result, in 1874, the Pennsylvania legislature passed an act allowing for the incorporation of title insurance companies.
  
  For example: In Pennsylvania there are two rates, basic rate
  and reissue rate. In 1868, the case of Watson v.
  Muirhead was heard by the Pennsylvania Supreme Court.
  The courts ruled that Muirhead (and others in similar situations) was not liable for mistakes based on professional opinions.
  ALTA does not issue title insurance; it provides standardized policy and endorsement forms that most title insurers issue.
  5. At the closing, lenders must issue a Closing Disclosure (CD) disclosing the
  actual costs. In some states, the regulated premium charge
  does not include part of the underwriting costs necessary for the process.
  In many states, the grantee whose transaction is recorded first becomes the legal owner, and any other would-be buyers are left without recourse.
  
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