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Trustworthy software vs vibe coded - in title, the difference is a claim

Two kinds of software are being built right now. One is designed to be trusted. The other is vibe coded and shipped. In title, the cost of the second one isn't a refund - it's a claim.

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AI didn't disrupt title insurance. It walked in through the workflow.

The companies that were supposed to kill title insurance are all smaller now. Title is bigger. AI didn't disrupt from the outside - it walked in through the workflow.

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The growth in title is commercial - and commercial is complexity work

First American's Q1 said the quiet part out loud: commercial revenue up 48%, residential down. The growth in title this decade is complexity work, not volume work.

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When liability walks in, "lovable" runs for the exit

Vibing over a weekend works great when a bug is annoying, not dangerous. It falls apart the moment the stakes go up - trading, medical, legal, title. Anywhere being wrong has a price tag.

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ALTA surveyed 449 title pros. Both camps missed the point.

One camp said AI will automate 90% of title work. The other said AI can't touch it. The ALTA numbers say both missed the point - title is human work that benefits from the right AI, used with the right guardrails.

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Don't give the examiner a confidence score. Give them a reason.

When a title examiner asks an AI why it flagged a deed, it shouldn't get a 92% confidence score. It should get a reason, clause by clause - like a colleague walking through their thinking. The interface is the product.

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A missed exception doesn't cost the AI $200,000. It costs you.

Title examination is legal work, and the liability sits with the agency and underwriter - not the vendor. But 70% of an examiner's day is routine. Purpose-built AI - not a ChatGPT wrapper - hands them a head start and gets out of the way.

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