Is an electronic disclosure legally enforceable?

Yes. Electronic signatures generally satisfy the ESIGN Act (15 U.S.C. §7001) and UETA in most states when intent, consent, attribution, and retention are demonstrated. Certain exceptions may apply for specific record types.

Do disclosures require notarization to be valid?

Notarization is required for deeds and some acknowledgments recorded with the county, but the disclosure itself is typically informational. If a jurisdiction or lender requires a notarized signature, obtain the notarization per state rules before recording.

Who must sign the disclosure?

The title agent or authorized company representative typically prepares and signs the disclosure; buyers and sellers sign where the agreement or local practice requires acknowledgment of receipt or acceptance.

Can I e-sign the disclosure and still get it recorded?

You can e-sign disclosures and other closing documents when the jurisdiction and recorder accept electronic execution. For recorded instruments, ensure the county recorder accepts electronic documents or submit a wet-ink version as required.

How do I correct a mistake after signing?

Minor errors may be corrected by an addendum or corrected instrument prior to recording; material errors often require re-signing or corrective recordings. Maintain version control and communicate corrections to lender and underwriter immediately.

How long should I keep executed disclosures?

Retain executed disclosures for the active period of the policy and at least three years after filing for tax purposes; industry rules and HIPAA may extend retention—see IRS (IRC §6501(a)) and 45 CFR §164.530(j).

Electronic Signature
Templates
Insurance
Title Insurance Disclosure Form

Title Insurance Disclosure Form

This template is fully customizable. Edit the text, fill out the fields, and send it for signature. Give it a try!

TITLE INSURANCE DISCLOSURE FORM

Date of Disclosure:

Applicant / Insured Information

Applicant / Insured Name Mailing Address

Date of Birth:

Phone:

Email Address

Property and Transaction Details

Property Address Legal Description

Parcel / APN:

County:

Transaction Type:

Closing Date:

Purchase Price: $

Loan Amount (if any): $

Settlement Agent / Escrow Company

Policy Details and Premium

Type of Policy (check all that apply):

Owner's Policy Lender's Policy Simultaneous Issue

Amount of Coverage: $

Premium (one-time at closing): $

Deductible (if applicable): $

Policy Effective Date:

Title Insurer / Underwriter Title Agent / Producer

Coverage Options and Endorsements

The following optional coverages/endorsements are available. Check those to be issued and enter any additional premium where applicable.

Survey/Boundary Endorsement Premium: $

Mechanics Lien Endorsement Premium: $

Zoning/Regulatory Endorsement Premium: $

Access / Right-of-Way Endorsement Premium: $

Other Endorsements / Special Instructions

Exclusions, Exceptions and Limitations

Title insurance does not insure against matters set forth as exceptions in the policy and standard printed exclusions. Common exceptions may include, without limitation, rights or claims of parties in possession, defects known to the insured but not disclosed to the insurer, governmental regulations, zoning, and unpaid taxes or assessments. The applicant acknowledges receipt of the following known exceptions and matters for further review:

Applicant acknowledgement: I acknowledge that I have received and reviewed the list of exceptions and understand those items may limit coverage.

Payment and Responsibility for Premium

Who will pay the title insurance premium (select one):

Buyer Seller Lender Other:

Affiliations and Conflicts of Interest

The following disclosures describe any business or ownership relationships between the title agent and parties to the transaction:

No known affiliation between title agent and seller/lender/settlement agent.

Affiliation exists. Describe nature of affiliation:

Third-Party Payee / Additional Insured

If any third party is to be named as an additional insured or payee on the policy, provide details below. Title insurance proceeds are paid in accordance with policy terms and do not create beneficiary rights outside of the policy.

Name

Relationship:

Percentage (if allocation):

Claims, Cancellation and Complaints

In the event of a claim under the policy, the insured must provide prompt written notice to the title insurer as required by the policy. Cancellation of a title insurance policy is governed by the policy terms and applicable law. Complaints may be submitted in writing to the title agent; the agent will provide the insurer's claim and consumer assistance contact information upon request.

Claim or Complaint Contact Name Contact Phone / Email

Certification and Applicant Authorization

I hereby certify that the information provided in this Title Insurance Disclosure Form is true and correct to the best of my knowledge. I acknowledge receipt of this disclosure prior to or at closing and that I have had the opportunity to ask questions concerning the scope of coverage, exceptions and premium. I authorize the title agent and insurer to order and review such searches, examinations and reports as necessary to issue the requested title insurance policy and to disclose title information to relevant parties to the transaction.

I further acknowledge that premium for title insurance is generally paid once at closing and that the insurer's liability under any issued policy is limited by the terms, exceptions and endorsements contained in the policy.

Applicant confirms receipt of the disclosure and acknowledges understanding of the material terms above: Confirm

Applicant Printed Name:

Signature:

Date:

What the Title Insurance Disclosure Form Is

The Title Insurance Disclosure Form is a written statement provided in real estate transactions that explains the availability, scope, and cost of title insurance for a specific property. It identifies the issuing title company or agent, the named insured parties, the type of policy (owner's or lender's), and any known exceptions or liens affecting title. The form helps buyers, sellers, lenders, and closing agents understand coverage limits, premium allocation, and required endorsements before closing, supporting transparent cost allocation and informed decision making during the conveyance process.

Why the Form Matters for Closings and Risk Management

A clear Title Insurance Disclosure Form reduces closing delays, clarifies who pays premiums, and documents known title exceptions. It protects buyers and lenders by disclosing risks and helps title agents meet regulatory and underwriting requirements.

Who Typically Completes or Receives This Form

The Title Insurance Disclosure Form is used by multiple parties involved in a real estate closing and is typically prepared by the title company or escrow agent.

Title agents and underwriters — prepare disclosures, identify exceptions, and estimate premiums for owner and lender policies.
Lenders and mortgage servicers — review lender-policy terms, confirm coverage requirements, and instruct escrow on premium allocation.
Buyers, sellers, and real estate brokers — receive disclosures to confirm costs, endorsements, and known title defects prior to closing.

Parties rely on the form to allocate costs and record acceptance; accurate completion reduces post-closing disputes and underwriting delays.

Step-by-Step: Completing the Title Insurance Disclosure Form

Follow these steps to prepare an accurate disclosure and route it to all relevant parties before closing.

01

Step 1: Gather seller, buyer, and property legal data.
02

Step 2: Run title search and list exceptions.
03

Step 3: Estimate premiums and allocate payment responsibility.
04

Step 4: Distribute disclosure to buyer, lender, and brokers.

Core Elements to Include in a Professional Disclosure

A complete disclosure contains administrative details, policy scope, exceptions, costs, and signature blocks so parties and underwriters can quickly assess risk and proceed to closing.

Parties

Full legal names of buyer, seller, lender, and any additional insureds, with entity type and signing authority noted so underwriting and recording match official records.

Property ID

Street address plus the precise recorded legal description and county parcel number to ensure the title search and policy attach to the correct land parcel.

Policy Details

Specify owner vs. lender policy, face amount, term, and any standard or optional endorsements that alter coverage or premium calculations.

Known Exceptions

List recorded liens, easements, covenants, or unresolved issues found in title search so insured parties understand limitations on marketable title.

Cost Allocation

Show premium breakdown, who pays each policy, escrow charges, and any local recording fees so settlement figures reconcile at closing.

Signatures & Dates

Include signature blocks for required parties, dates in MM/DD/YYYY format, and notarization fields if the jurisdiction or lender requires acknowledgment.

Security and Compliance Items to Note

Encryption: AES-256 at rest

Transport Security: TLS 1.2/1.3 in transit

Audit Trail: Timestamped signing records

HIPAA Support: BAA available

Retention: Reproducible signed copies

Authentication: Email, SMS, KBA options

Common Preparation Errors to Avoid

Entering informal or abbreviated names that do not match recorded deeds, causing title exceptions and potential closing delays.
Using an incomplete or informal legal description instead of the recorded deed wording, which can misidentify the parcel in the title search.
Failing to list known liens, judgments, or HOA assessments, which leads to underwriting exceptions and post-closing disputes.
Not confirming who pays the premium under contract terms, producing settlement shortfalls and last-minute negotiation at the closing table.

Consequences of Incorrect or Incomplete Disclosure

Underwriting Delays: Extended closing timeline

Claim Denial: Coverage gaps on defects

Closing Shortfall: Unpaid fees or premiums

Regulatory Risk: State licensing penalties

Title Exposure: Uninsurable defects remain

Reputational Harm: Broker and agent liability

Real-World Examples of Use

These brief case summaries show how disclosure accuracy affects closings and underwriting outcomes.

Martin Properties

Tim Martin, Founder, used electronic disclosures to streamline remote closings.

He processed documents online and preserved compliance.
That enabled consistent, secure remote execution and faster document turnaround while maintaining underwriting standards.

BIS

Dan Rotelli, CEO, standardized disclosure workflows across offices to reduce exceptions.

The process reduced manual rework.
Standardized forms and audit trails improved internal controls and reduced time spent resolving title discrepancies.

Where to Send and File the Completed Disclosure

Route the disclosure to the appropriate receiving parties and repositories to support underwriting, lender review, and recording where required.

Title Company: Primary repository for underwriting and policy issue
Lender: Sent for lender policy review and conditions
County Recorder: Submit deeds and documents for public record when required
Escrow Agent: Retain for settlement statements and closing audit

Configuring an Online Disclosure Workflow

Set up fields, authentication, and routing to reduce errors and ensure all parties receive a copy of the signed disclosure.

Field	Configuration
Required Fields	Mark party names, legal description, premium as mandatory
Conditional Fields	Show endorsements only when selected
Authentication	Enable email + SMS or KBA per risk level
Routing	Sequential send to title, lender, buyer

Technical Delivery Options and Integrations

Digital disclosure workflows should support secure signing, audit trails, and common integrations for closing systems.

Integrations: Salesforce, NetSuite, Microsoft 365, Google Workspace
File formats: PDF, DOCX, HTML, XLSX
Authentication: Email link, SMS code, KBA, 2FA

Use platforms that provide audit trails, reproducible signed copies, and secure storage to meet underwriting and regulatory needs.

Typical Timing and Delivery Expectations

Timing varies by transaction; these are common milestones where the disclosure is expected or recommended.

Pre-Closing Delivery:

Provide disclosure before final settlement to allow review

Lender Review:

Submit early to satisfy underwriting conditions

Correction Window:

Allow time to clear exceptions prior to recording

Final Signing:

Execute disclosure at or before closing

Record Retention:

Store executed copy with closing file

Key Milestones from Contract to Recorded Title

A simple milestone sequence shows when the disclosure is prepared, reviewed, executed, and retained during closing.

01

Contract Execution

Initiate title search and prepare disclosure

02

Underwriter Review

Evaluate exceptions and estimate premiums

03

Pre-Closing Delivery

Send disclosure to buyer and lender for review

04

Closing and Recording

Execute disclosure, issue policy, record deeds

eSignature Vendor Comparison for Title Insurance Disclosure Workflows

Compare basic pricing and key capabilities for common eSignature vendors. signNow is listed first per standard comparisons; verify plan details with each vendor for advanced features.

	signNow	DocuSign	Adobe Sign	PandaDoc	HelloSign
Starting Price	$8/user/mo	$15/user/mo	$14/user/mo	$19/user/mo	$15/user/mo
Free Trial	7-day free trial	Varies by vendor	Varies by vendor	Varies by vendor	Varies by vendor
Bulk Send	Yes	Yes	Yes	Yes	No
Audit Trail	Yes	Yes	Yes	Yes	Yes
HIPAA Compliant	Yes	Yes	Yes	No	No

Practical Tips for Accurate, Efficient Disclosures

Adopt consistent templates, validate data, and retain an unequivocal audit trail to reduce underwriting exceptions and closing friction.

Verify Legal Names and Entities

Confirm exact spellings and entity types against government records or formation documents. For trusts or corporations, verify signer authority and attach supporting documentation to avoid policy reissues and delayed endorsements.

Use Complete Recorded Legal Descriptions

Copy the legal description from the recorded deed or county parcel data rather than a street address alone. An accurate legal description prevents misidentification in the title search and ensures the policy attaches to the intended parcel.

Document Exception Resolution

When curative steps are required, attach proof of lien releases, judgments satisfied, or recorded corrections. This reduces underwriting exceptions and the need for post-closing endorsements that can be costly and time-consuming.

Preserve Signed Copies and Audit Trails

Store signed disclosures, settlement statements, and the platform's audit trail in a secure system. Reproducible signed records are critical for claim defense, regulatory review, and future title searches.

Frequently Asked Questions about Title Insurance Disclosures

Answers to common questions about validity, e-signing, notarization, signatory authority, revocation, and secure storage for Title Insurance Disclosure Forms.

Need help? Contact support

Is an electronic disclosure legally enforceable?
Yes. Electronic signatures generally satisfy the ESIGN Act (15 U.S.C. §7001) and UETA in most states when intent, consent, attribution, and retention are demonstrated. Certain exceptions may apply for specific record types.
Do disclosures require notarization to be valid?
Notarization is required for deeds and some acknowledgments recorded with the county, but the disclosure itself is typically informational. If a jurisdiction or lender requires a notarized signature, obtain the notarization per state rules before recording.
Who must sign the disclosure?
The title agent or authorized company representative typically prepares and signs the disclosure; buyers and sellers sign where the agreement or local practice requires acknowledgment of receipt or acceptance.
Can I e-sign the disclosure and still get it recorded?
You can e-sign disclosures and other closing documents when the jurisdiction and recorder accept electronic execution. For recorded instruments, ensure the county recorder accepts electronic documents or submit a wet-ink version as required.
How do I correct a mistake after signing?
Minor errors may be corrected by an addendum or corrected instrument prior to recording; material errors often require re-signing or corrective recordings. Maintain version control and communicate corrections to lender and underwriter immediately.
How long should I keep executed disclosures?
Retain executed disclosures for the active period of the policy and at least three years after filing for tax purposes; industry rules and HIPAA may extend retention—see IRS (IRC §6501(a)) and 45 CFR §164.530(j).

be ready to get more

Join over 28 million airSlate SignNow users

Sign Now