Before issuing a title policy a search is made of county real property records and certain court records. This search is done using a title plant which maintains references to deeds, mortgages, liens, deaths, divorces, etc. which might affect the property. These instruments are examined by the title insurance company or its agent.

The results of the examination determine whether the title insurance company will issue a policy and what exceptions to coverage will be taken in the policy. The search and the commitment are not representations as to title but are done for title insuring purposes only.