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Texas Department of Insurance
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Commissioner’s Bulletin # B-0028-20

May 21, 2020

To:   All title insurance companies, title agents, direct operations, and escrow officers; and other relevant parties

Re:   COVID-19: Simultaneous Issuance of Owner’s and Loan Policies – Rate Rule R 5.F

Governor Greg Abbott has issued a disaster declaration in response to the COVID-19 pandemic. The COVID-19 outbreak has impacted Texas business, and some title insurance consumers who bought an Owner’s Policy before the outbreak may not be able to get related loan funding and a Loan Policy as quickly as they planned.  This delay would prevent them from receiving the 90-day simultaneous issue price allowed by Rate Rule R-5.F.

As a result, TDI will not cite title agents and title insurance companies who charge the “simultaneous issuance” premium described in Rate Rule R-5.F for Loan Policies issued more than 90 days after the Owner’s Policy if the following conditions are met:

  • All parties, including the title agent and title insurance company, agree to the Rate Rule R-5.F premium;
  • the Owner’s Policy is dated between December 14, 2019, and April 2, 2020;
  • the Loan Policy is issued no later than 60 days after the 90-day deadline in paragraph 1.a of Rate Rule R-5.F; and
  • the requirements for Rate Rule R-5.F are otherwise met.

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Last updated: 5/21/2020