Texas Title Insurance Guaranty Association
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The Texas Title Insurance Guaranty Association (“TTIGA”) is a non-profit, unincorporated association of all Texas-licensed title insurance companies. It exists to protect Texas title insurance policyholders and claimants when a title insurance company or title agency is impaired by the commissioner of insurance.
TTIGA collects the policy guaranty fee from title insurance transactions to fund the title insurance agent audit function of the Texas Department of Insurance and to fund the payment of covered escrow account shortages resulting from the insolvency of a title insurance agent.
Note: The Current Guaranty Fee is set at $2.00 per policy.
TTIGA also collects the guaranty assessment recoupment charge, or “GARC” from title insurance agents and direct operations to reimburse a portion of the assessment levied against title insurers to fund claim payments and administrative expenses related to impaired title insurance companies.
TTIGA also collects the guaranty assessment recoupment charge, or “GARC” from title insurance agents and direct operations to fund claim payments and administrative expenses related to impaired title insurance companies. All GARCs must be collected at closing and remitted to TTIGA on a quarterly basis. For purposes of collecting the GARC, a closing is deemed to occur when the closing documents are signed by the parties to the transaction. The GARC should be remitted to TTIGA using the 2018 TTIGA Guaranty Assessment Recoupment Charge Remittance Form, a copy of which you can find on our website’s GARC page. You can review Insurance Commissioner Kent Sullivan’s order implementing the GARC at http://www.tdi.texas.gov/orders/index.html . While the GARC remittance process will operate in a similar manner to the current Guaranty Fee collection procedure, the GARC is a different fee and is being collected for a different purpose.
Note: There is currently NO GARC Fee to collect.
For more title insurance information, please see the following links:
Texas Title Insurance, Title Division
Information about companies in receivership: