Title commitments drafted from the search, for your examiner to decide.

Today an order opens, the search comes back from your plant, an abstractor or a search vendor, and an examiner reads the chain: the vesting deed, open mortgages and their assignments, judgments and liens against the owners, the plat, recorded easements and covenants, and the tax status. From that the examiner writes the commitment, saying who holds title, which policies will issue, what has to happen before closing, and what the policy will not cover.

In the proof of concept, AI does the first read. It drafts the commitment the way your examiner lays one out: Schedule A from the vesting deed and the order, a B-I requirement for each lien to pay off and each document to record, and a B-II exception for each recorded matter that stays, with its book and page or instrument number. Every line points to the page of the search it came from. Nothing is issued, signed or sent.

The 2021 ALTA commitment fixes the frame and leaves the hard parts blank. Schedule A gives the Commitment Date, each policy to be issued with its Proposed Insured and Proposed Amount of Insurance, the estate, who holds Title and the Land. Above it sits the Transaction Identification Data: issuing agent and office, the office's ALTA Registry ID, loan and file numbers, property address and revision number, none of which the insurer answers for under Condition 5.e. B-I opens with stock requirements, such as telling the company about any other party taking an interest or making a loan and recording documents the company approves, and one underwriter's form ends the commitment six months after the Commitment Date if they are not met. Everything after the stock lines is your examiner's work.

Schedule B, Part II opens with a statement on discriminatory covenants: any such covenant in a document it lists is treated as redacted, and only the rest of that document is excepted. On one underwriter's standard-coverage form, general exceptions follow for unrecorded taxes, parties in possession, unrecorded easements, matters a survey would show, mining claims and water rights, and unrecorded mechanics' liens, then the gap: anything first appearing between the Commitment Date and the day the requirements are met. Special exceptions come last, one per recorded matter, each with its recording data. Under Condition 6.d, deleting or changing an exception promises no coverage beyond the commitment and the policy, and that decision is the examiner's, so a draft never drops an exception on its own.

Texas files sit on a different frame. The T-7 Commitment for Title Insurance, promulgated by the Texas Department of Insurance, carries a GF number on Schedule A, puts requirements on Schedule C rather than B-I and the estimated premium on Schedule D, and ends 90 days from its effective date unless the policy issues sooner. Its Schedule B prints a restrictive covenants exception that must list the recording data or be deleted, an area and boundary exception that is amended only on a survey the company accepts, and a homestead or community property exception that applies to the owner's policy. A draft laid out like an ALTA commitment would put Texas requirements in the wrong schedule.

Commercial files bring documents the residential desk rarely sees. Sellers and borrowers are often entities, so requirements call for proof of who may sign, and where an attorney-in-fact will sign, the commitment can require the power of attorney for review before closing. Lender instructions name endorsements such as ALTA 3.1 Zoning, Completed Structure, ALTA 9 Restrictions, Encroachments, Minerals, ALTA 17 Access and Entry, ALTA 18 Single Tax Parcel and ALTA 25 Same as Survey, and each needs facts the file has to show. The survey answers to the commitment too: under the ALTA/NSPS standards effective February 23, 2026, the surveyor works from the most recent commitment, names it on the plat, and lists each easement in it with its recording data and whether it lies within or crosses the land, or says its location cannot be determined from the record.

Your reviewer will look hardest at what a draft leaves out. A missed open mortgage or a judgment against the seller can become a claim, while an extra exception costs a phone call. So the draft lists every possible match on a common name with the reason, flags a vesting deed whose grantee differs from the seller in the order, notes any break in the chain, and marks what it could not read rather than guessing. General exceptions that might come off on a survey or an owner's affidavit are listed as questions, never removed, because only your examiner and your underwriter take one off.

If your reviewer says yes, new orders go through the same job for about 30 days, with the draft waiting when the search comes back.

Each draft waits for a licensed examiner, who decides every requirement and exception and issues the commitment through your own production system. The AI never signs or issues a commitment, never decides insurability, never handles funds or wire instructions, and never contacts a buyer, seller, lender or underwriter.

Your reviewer keeps scoring live drafts against the written criteria from the test.