Who puts together the added endorsements to the title insurance coverage?

The correct answer focuses on the role of underwriters in assembling added endorsements to title insurance coverage. Underwriters are specialized professionals in the insurance industry who evaluate the risks of insuring properties and ensure that the policies meet all regulatory and underwriting guidelines. They have the expertise necessary to assess what additional coverage might be needed based on specific circumstances of the property, the transaction, and the concerns of the parties involved.

When a property is being financed or sold, title insurance provides protection against potential issues that could arise after the transaction, such as claims related to ownership disputes or liens against the property. If there are unique risks associated with a property, underwriters will determine which endorsements can address those risks, ensuring that the title insurance coverage is adequate for the buyer and lender.

In contrast, real estate agents primarily facilitate transactions and do not typically have the legal or underwriting expertise to create insurance endorsements. Attorneys may offer legal advice and draft related documents but are not usually responsible for the creation of endorsements in title insurance. Lenders, while they may have an interest in ensuring proper coverage, do not directly compile or create endorsements; their focus is more on the financing aspect of the transaction rather than the insurance specifics.