Search and Examination Fees

Real Estate Practices by State
Real Estate Practices by Practice
Pricing and Schedule of Charges

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R.E.P. by Practice (Answer)
V 1

Alabama Search and Examination Fees

R.E.P. Topic by State (Question)

Is it permissible and/or customary to charge a separate search and/or examination fee, and under what circumstances? If your jurisdiction is all-inclusive, please state that.

They are allowed in this state. Normally, the search and exam fee is combined into a single charge.


R.E.P. by Practice (Answer)
V 1

Alaska Search and Examination Fees

R.E.P. Topic by State (Question)

Is it permissible and/or customary to charge a separate search and/or examination fee, and under what circumstances? If your jurisdiction is all-inclusive, please state that.

Alaska is an “all-inclusive” jurisdiction.


R.E.P. by Practice (Answer)
V 1

Arizona Search and Examination Fees

R.E.P. Topic by State (Question)

Is it permissible and/or customary to charge a separate search and/or examination fee, and under what circumstances? If your jurisdiction is all-inclusive, please state that.

While not typically charged, they are charged on occasion if special searches are done.


R.E.P. by Practice (Answer)
V 1

Arkansas Search and Examination Fees

R.E.P. Topic by State (Question)

Is it permissible and/or customary to charge a separate search and/or examination fee, and under what circumstances? If your jurisdiction is all-inclusive, please state that.

Some agents charge a separate search fee and others include it with the title insurance fee. This is a matter of local custom.


R.E.P. by Practice (Answer)
V 1

California Search and Examination Fees

R.E.P. Topic by State (Question)

Is it permissible and/or customary to charge a separate search and/or examination fee, and under what circumstances? If your jurisdiction is all-inclusive, please state that.

Premium includes search and examination so no separate fee is permitted for these items.


R.E.P. by Practice (Answer)
V 1

Colorado Search and Examination Fees

R.E.P. Topic by State (Question)

Is it permissible and/or customary to charge a separate search and/or examination fee, and under what circumstances? If your jurisdiction is all-inclusive, please state that.

The rates are all-inclusive. Thus, separate charges are not assessed.


R.E.P. by Practice (Answer)
V 1

Connecticut Search and Examination Fees

R.E.P. Topic by State (Question)

Is it permissible and/or customary to charge a separate search and/or examination fee, and under what circumstances? If your jurisdiction is all-inclusive, please state that.

A separate search fee is customary.


R.E.P. by Practice (Answer)
V 1

Delaware Search and Examination Fees

R.E.P. Topic by State (Question)

Is it permissible and/or customary to charge a separate search and/or examination fee, and under what circumstances? If your jurisdiction is all-inclusive, please state that.

Yes, it is both permissible and customary to charge a separate search and examination fee. Delaware is not all inclusive.


R.E.P. by Practice (Answer)
V 1

District of Columbia Search and Examination Fees

R.E.P. Topic by State (Question)

Is it permissible and/or customary to charge a separate search and/or examination fee, and under what circumstances? If your jurisdiction is all-inclusive, please state that.

Yes, it is permissible provided it meets RESPA requirements.


R.E.P. by Practice (Answer)
V 1

Florida Search and Examination Fees

R.E.P. Topic by State (Question)

Is it permissible and/or customary to charge a separate search and/or examination fee, and under what circumstances? If your jurisdiction is all-inclusive, please state that.

A search fee may be charged, but a separate fee for examination cannot be charged.


R.E.P. by Practice (Answer)
V 1

Georgia Search and Examination Fees

R.E.P. Topic by State (Question)

Is it permissible and/or customary to charge a separate search and/or examination fee, and under what circumstances? If your jurisdiction is all-inclusive, please state that.

This is a separate charge from title insurance premium. The purchaser customarily pays for the search and exam.


R.E.P. by Practice (Answer)
V 1

Hawaii Search and Examination Fees

R.E.P. Topic by State (Question)

Is it permissible and/or customary to charge a separate search and/or examination fee, and under what circumstances? If your jurisdiction is all-inclusive, please state that.

The search and examination fee are inclusive in the title premium.


R.E.P. by Practice (Answer)
V 1

Idaho Search and Examination Fees

R.E.P. Topic by State (Question)

Is it permissible and/or customary to charge a separate search and/or examination fee, and under what circumstances? If your jurisdiction is all-inclusive, please state that.

The charge for the search and examination are included in the basic schedule of charges. An additional fee is charged if the property includes multiple parcels that are located in a different block, section or county or when the parcels are not under common ownership.


R.E.P. by Practice (Answer)
V 1

Illinois Search and Examination Fees

R.E.P. Topic by State (Question)

Is it permissible and/or customary to charge a separate search and/or examination fee, and under what circumstances? If your jurisdiction is all-inclusive, please state that.

Illinois title insurance charges are usually all inclusive charges. However, a charge for search and examination fee may vary by locality.


R.E.P. by Practice (Answer)
V 1

Indiana Search and Examination Fees

R.E.P. Topic by State (Question)

Is it permissible and/or customary to charge a separate search and/or examination fee, and under what circumstances? If your jurisdiction is all-inclusive, please state that.

Indiana is not a filed rate state. It is permissible to charge a separate search and/or exam fee. Per the Indiana Department of Insurance, the search and exam fee must be charged separately from the title insurance premium and shall not be included in the line item for title insurance premium on the HUD settlement statement.


R.E.P. by Practice (Answer)
V 1

Iowa Search and Examination Fees

R.E.P. Topic by State (Question)

Is it permissible and/or customary to charge a separate search and/or examination fee, and under what circumstances? If your jurisdiction is all-inclusive, please state that.

Fees are negotiable.


R.E.P. by Practice (Answer)
V 1

Kansas Search and Examination Fees

R.E.P. Topic by State (Question)

Is it permissible and/or customary to charge a separate search and/or examination fee, and under what circumstances? If your jurisdiction is all-inclusive, please state that.

It is permissible to charge a separate search and/or examination fee if the agent-filed charges provide for it.


R.E.P. by Practice (Answer)
V 1

Kentucky Search and Examination Fees

R.E.P. Topic by State (Question)

Is it permissible and/or customary to charge a separate search and/or examination fee, and under what circumstances? If your jurisdiction is all-inclusive, please state that.

It is customary to charge a separate title search fee (which can be called an “exam” fee but it is the same fee). Kentucky is not an “all-inclusive” premium state.


R.E.P. by Practice (Answer)
V 1

Louisiana Search and Examination Fees

R.E.P. Topic by State (Question)

Is it permissible and/or customary to charge a separate search and/or examination fee, and under what circumstances? If your jurisdiction is all-inclusive, please state that.

Louisiana is not an “all-inclusive” jurisdiction.

It is customary and permissible in LA to have separate charges for search (generally referred to as “abstract”) and examination (generally referred to as “exam”) on the majority of real estate transactions. It is also common to see charges including, but not limited to, settlement fees, tax research, recording services, and courier fees.


R.E.P. by Practice (Answer)
V 1

Maine Search and Examination Fees

R.E.P. Topic by State (Question)

Is it permissible and/or customary to charge a separate search and/or examination fee, and under what circumstances? If your jurisdiction is all-inclusive, please state that.

A separate search and examination fee is customary. Search and examination is a single fee.


R.E.P. by Practice (Answer)
V 1

Maryland Search and Examination Fees

R.E.P. Topic by State (Question)

Is it permissible and/or customary to charge a separate search and/or examination fee, and under what circumstances? If your jurisdiction is all-inclusive, please state that.

Search and examination fees are not regulated in Maryland. Search fees are pass-through charges typically paid by the purchaser/borrower. Examination fees are charged at the discretion of the title agent.


R.E.P. by Practice (Answer)
V 1

Massachusetts Search and Examination Fees

R.E.P. Topic by State (Question)

Is it permissible and/or customary to charge a separate search and/or examination fee, and under what circumstances? If your jurisdiction is all-inclusive, please state that.

Search fees can be charged separately (i.e., broken down on the HUD statement). Massachusetts is not an all-inclusive state.


R.E.P. by Practice (Answer)
V 1

Michigan Search and Examination Fees

R.E.P. Topic by State (Question)

Is it permissible and/or customary to charge a separate search and/or examination fee, and under what circumstances? If your jurisdiction is all-inclusive, please state that.

There is no separate search and examination fee. Michigan is an all-inclusive filed rate state.


R.E.P. by Practice (Answer)
V 1

Minnesota Search and Examination Fees

R.E.P. Topic by State (Question)

Is it permissible and/or customary to charge a separate search and/or examination fee, and under what circumstances? If your jurisdiction is all-inclusive, please state that.

Separate charges for searching and examining customary.


R.E.P. by Practice (Answer)
V 1

Mississippi Search and Examination Fees

R.E.P. Topic by State (Question)

Is it permissible and/or customary to charge a separate search and/or examination fee, and under what circumstances? If your jurisdiction is all-inclusive, please state that.

Separate charge is permissible and varies from agent to agent as to whether it is charged.


R.E.P. by Practice (Answer)
V 1

Missouri Search and Examination Fees

R.E.P. Topic by State (Question)

Is it permissible and/or customary to charge a separate search and/or examination fee, and under what circumstances? If your jurisdiction is all-inclusive, please state that.

It is customary (and required in residential transactions) to disclose and charge a separate Title Service Charge which includes search and examination. Missouri is not an al- inclusive jurisdiction. We are prohibited from quoting an all- inclusive charge for residential transactions; the charges must be broken down between the Filed Risk Rate for the premium and the Title Service Charge.


R.E.P. by Practice (Answer)
V 1

Montana Search and Examination Fees

R.E.P. Topic by State (Question)

Is it permissible and/or customary to charge a separate search and/or examination fee, and under what circumstances? If your jurisdiction is all-inclusive, please state that.

Rates must be all inclusive of the total charge.


R.E.P. by Practice (Answer)
V 1

Nebraska Search and Examination Fees

R.E.P. Topic by State (Question)

Is it permissible and/or customary to charge a separate search and/or examination fee, and under what circumstances? If your jurisdiction is all-inclusive, please state that.

Filed rates are all-inclusive of search and exam fees.


R.E.P. by Practice (Answer)
V 1

Nevada Search and Examination Fees

R.E.P. Topic by State (Question)

Is it permissible and/or customary to charge a separate search and/or examination fee, and under what circumstances? If your jurisdiction is all-inclusive, please state that.

If the initial review of the records discloses that the property has never been insured, then a separate fee may be negotiated. Typically, the search and examination fees are included in the title policy premium, unless prior negotiation for extensive research negotiated prior to issuance of policy.


R.E.P. by Practice (Answer)
V 1

New Hampshire Search and Examination Fees

R.E.P. Topic by State (Question)

Is it permissible and/or customary to charge a separate search and/or examination fee, and under what circumstances? If your jurisdiction is all-inclusive, please state that.

A separate search and examination fee is customary. Search and examination is a single fee.


R.E.P. by Practice (Answer)
V 1

New Jersey Search and Examination Fees

R.E.P. Topic by State (Question)

Is it permissible and/or customary to charge a separate search and/or examination fee, and under what circumstances? If your jurisdiction is all-inclusive, please state that.

Section 5.1 of the NJ Rate manual provides: When the insurer or its agent examines the title to real estate and issues a commitment to insure, the charge for such examination involving a single chain of title shall be $100.00. The examination charge includes only the county search.


R.E.P. by Practice (Answer)
V 1

New Mexico Search and Examination Fees

R.E.P. Topic by State (Question)

Is it permissible and/or customary to charge a separate search and/or examination fee, and under what circumstances? If your jurisdiction is all-inclusive, please state that.

NM’s title insurance premium is a promulgated all-inclusive rate and no separate charge for a title search and examination fee for a policy is permitted. Section 59A-30-6A NMSA 1978. Title insurance agents may provide other non-regulated ancillary title search and examination services such as title searches and reports for an unregulated fee negotiated between the parties.


R.E.P. by Practice (Answer)
V 1

New York Search and Examination Fees

R.E.P. Topic by State (Question)

Is it permissible and/or customary to charge a separate search and/or examination fee, and under what circumstances? If your jurisdiction is all-inclusive, please state that.

There are two Zones in NY. In Zone 1 (generally upper/western New York) a search fee can be charged. In Zone 2 (generally lower/eastern NY) the premium is all inclusive (i.e., it includes the search cost), but an additional search fee can be charged for multiple properties. Refer to TIRSA Rate Manual Part 1 Rules and Definitions Paragraph (F) and for Zones and counties. Premium rates for both Zones do not include the cost for municipal department searches.


R.E.P. by Practice (Answer)
V 1

North Carolina Search and Examination Fees

R.E.P. Topic by State (Question)

Is it permissible and/or customary to charge a separate search and/or examination fee, and under what circumstances? If your jurisdiction is all-inclusive, please state that.

NC attorneys search and certify title separate and apart from any title insurance premium. Fees vary by nature (residential/commercial) and by complexity. There are no set title exam fees published in NC.

It is inappropriate for a title company to charge search and exam fees collectable for itself.


R.E.P. by Practice (Answer)
V 1

North Dakota Search and Examination Fees

R.E.P. Topic by State (Question)

Is it permissible and/or customary to charge a separate search and/or examination fee, and under what circumstances? If your jurisdiction is all-inclusive, please state that.

There is a separate search and exam charge.


R.E.P. by Practice (Answer)
V 1

Ohio Search and Examination Fees

R.E.P. Topic by State (Question)

Is it permissible and/or customary to charge a separate search and/or examination fee, and under what circumstances? If your jurisdiction is all-inclusive, please state that.

It is customary to charge a separate search and exam fee. The amount of such charges is determined by the issuing agent, and the amount varies depending on which area of the state the property is situated.


R.E.P. by Practice (Answer)
V 1

Oklahoma Search and Examination Fees

R.E.P. Topic by State (Question)

Is it permissible and/or customary to charge a separate search and/or examination fee, and under what circumstances? If your jurisdiction is all-inclusive, please state that.

The Seller customarily pays for the abstracting and examination fees. These fees must be charged as a separate fee on the HUD. All-Inclusive fees are prohibited by statute.


R.E.P. by Practice (Answer)
V 1

Oregon Search and Examination Fees

R.E.P. Topic by State (Question)

Is it permissible and/or customary to charge a separate search and/or examination fee, and under what circumstances? If your jurisdiction is all-inclusive, please state that.

An additional chain charge of $100 may be added to the applicable insurance rate when the examination of title covers two different series of successive transfers (chains) of the parcels comprising the subject property. When the examination covers more than two different chains, a charge of $50.00 shall be added for each additional chain exceeding the two chains up to a maximum of $500.00 for all additional chains.


R.E.P. by Practice (Answer)
V 1

Pennsylvania Search and Examination Fees

R.E.P. Topic by State (Question)

Is it permissible and/or customary to charge a separate search and/or examination fee, and under what circumstances? If your jurisdiction is all-inclusive, please state that.

Pennsylvania is an all-inclusive state. However, Section 2.3 of the Pennsylvania Rate Manual allows a separate search and/or examination fee "in specially difficult title matters". Those matters would include "multiple chains of title, land under water, coal, oil, gas or mineral searches, railroad property searches, land in beds of streets, rights-of-way, driveways, foreclosures, tax sales, proceedings under federal bankruptcy or state insolvency related statutes, or … other unusual difficulties or unusual expenditures".


R.E.P. by Practice (Answer)
V 1

Rhode Island Search and Examination Fees

R.E.P. Topic by State (Question)

Is it permissible and/or customary to charge a separate search and/or examination fee, and under what circumstances? If your jurisdiction is all-inclusive, please state that.

It is permissible to charge a separate search and examination fee. It is not customary to charge a separate search and examination fee.


R.E.P. by Practice (Answer)
V 1

South Carolina Search and Examination Fees

R.E.P. Topic by State (Question)

Is it permissible and/or customary to charge a separate search and/or examination fee, and under what circumstances? If your jurisdiction is all-inclusive, please state that.

Title search and title examination fees are customarily stated separately from the title insurance premium.


R.E.P. by Practice (Answer)
V 1

South Dakota Search and Examination Fees

R.E.P. Topic by State (Question)

Is it permissible and/or customary to charge a separate search and/or examination fee, and under what circumstances? If your jurisdiction is all-inclusive, please state that.

It is permissible to charge a search and examination fee. There is usually a search and exam fee if multiple parcels are involved. Some agents charge using an all-inclusive structure but the charges will usually be about the same.


R.E.P. by Practice (Answer)
V 1

Tennessee Search and Examination Fees

R.E.P. Topic by State (Question)

Is it permissible and/or customary to charge a separate search and/or examination fee, and under what circumstances? If your jurisdiction is all-inclusive, please state that.

Separate search and examination fees cannot be charged in Davidson, Hamilton, or Knox Counties. Shelby County has a separate filed search fee.

In all other counties, a search and examination fee may be charged.


R.E.P. by Practice (Answer)
V 1

Texas Search and Examination Fees

R.E.P. Topic by State (Question)

Is it permissible and/or customary to charge a separate search and/or examination fee, and under what circumstances? If your jurisdiction is all-inclusive, please state that.

Texas premiums are all-inclusive except for unregulated escrow fee charged to handle documents and settlement funds.


R.E.P. by Practice (Answer)
V 1

Utah Search and Examination Fees

R.E.P. Topic by State (Question)

Is it permissible and/or customary to charge a separate search and/or examination fee, and under what circumstances? If your jurisdiction is all-inclusive, please state that.

The charge for the search and examination are included in the basic schedule of charges. An additional fee is charged if the property includes multiple parcels that are located in a different block, section or county or when the parcels are not under common ownership.


R.E.P. by Practice (Answer)
V 1

Vermont Search and Examination Fees

R.E.P. Topic by State (Question)

Is it permissible and/or customary to charge a separate search and/or examination fee, and under what circumstances? If your jurisdiction is all-inclusive, please state that.

Yes, it is customary to charge a separate search and examination fee.


R.E.P. by Practice (Answer)
V 1

Virginia Search and Examination Fees

R.E.P. Topic by State (Question)

Is it permissible and/or customary to charge a separate search and/or examination fee, and under what circumstances? If your jurisdiction is all-inclusive, please state that.

Yes.


R.E.P. by Practice (Answer)
V 1

Washington Search and Examination Fees

R.E.P. Topic by State (Question)

Is it permissible and/or customary to charge a separate search and/or examination fee, and under what circumstances? If your jurisdiction is all-inclusive, please state that.

Not customary. Extra-work charges may be made under some circumstances, but are considered part of the premium.


R.E.P. by Practice (Answer)
V 1

West Virginia Search and Examination Fees

R.E.P. Topic by State (Question)

Is it permissible and/or customary to charge a separate search and/or examination fee, and under what circumstances? If your jurisdiction is all-inclusive, please state that.

Yes.


R.E.P. by Practice (Answer)
V 1

Wisconsin Search and Examination Fees

R.E.P. Topic by State (Question)

Is it permissible and/or customary to charge a separate search and/or examination fee, and under what circumstances? If your jurisdiction is all-inclusive, please state that.

Search and exam fees are customary.


R.E.P. by Practice (Answer)
V 1

Wyoming Search and Examination Fees

R.E.P. Topic by State (Question)

Is it permissible and/or customary to charge a separate search and/or examination fee, and under what circumstances? If your jurisdiction is all-inclusive, please state that.

The charge for the search and examination are included in the basic schedule of charges. An additional fee is charged if the property includes multiple parcels that are located in a different block, section or county or when the parcels are not under common ownership.