Frequently Asked Questions
What is an endorsement?
An endorsement is a rider attached to a Mortgage or an Owner policy to expand or limit the policy coverage. The title policy is designed for standard real estate transactions. Attaching an endorsement to the policy adapts the coverage to meet the needs of the insured. By issuing an endorsement, the insurer may take on additional risk normally not covered under the policy. A premium is usually charged for issuing any endorsement. There are a number of endorsements that have been adopted by the Texas Department of Insurance (TDI) for general use across the state. Most of the approved endorsements may be issued with Mortgage policies, but not with Owner policies. Additional information not disclosed by the title search may be necessary before an endorsement can be attached to a policy. This may include facts set out on a survey or a physical inspection of the property.