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

Two kinds of software are being built: one designed to be trusted, one vibe coded and shipped. In title, the cost of the second 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 smaller now. Title is bigger. AI didn't disrupt from 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: 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 when a bug is annoying, not dangerous. It falls apart when stakes go up - trading, medical, legal, title. Being wrong has a price.

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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 it can't. ALTA's numbers say both missed the point: title is human work, sharpened by AI.

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

Ask an AI why it flagged a deed and you shouldn't get a 92% confidence score. You should get a reason, clause by clause - like a colleague thinking out loud.

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

Title examination is legal work - liability sits with the agency, not the vendor. 70% of an examiner's day is routine; purpose-built AI gives a head start.

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