A title examination is the comprehensive legal review and analysis of all records and documents affecting the ownership and condition of title to a specific property. While the title search is the process of gathering records, the title examination is the professional analysis of those records — the examiner evaluates the legal significance of each finding, identifies defects, assesses marketability, and determines whether the title can be insured.
The examiner traces the chain of title through every transfer, verifying that each deed was properly executed, notarized, and recorded. They review all mortgages to confirm they have been released or are being paid off. They check for liens, judgments, tax liens, and pending lawsuits. They examine easements, restrictions, and covenants. And they verify that the legal description is consistent across all documents.
The results of the examination are documented in the title commitment, which lists all requirements to be met and exceptions to coverage. If the examiner finds issues — missing documents, name discrepancies, unresolved liens — these become requirements that must be cleared before the title insurance policy will be issued.
Title examination requires specialized knowledge of real estate law, recording practices, and the specific requirements of each state and county. Experienced examiners can spot potential problems that less experienced searchers might miss — such as a gap in the chain of ownership, an improperly notarized deed, or a judgment against a party with a similar name.
At Beycome Title, our experienced title examiners conduct thorough examinations for every transaction, backed by Old Republic National Title Insurance Company's underwriting standards. We begin the examination immediately upon receiving a contract, giving maximum time to identify and resolve issues. Get your free title quote.