All title insurance policies and endorsements are issued on forms promulgated by the Texas Department of Insurance including the Commitment for Title Insurance; Owner Policy of Title Insurance; and Loan Policy of Title Insurance. No other forms may be used except as specifically authorized by The Regulations, none of the provisions of any insuring forms may be amended, modified, waived or deleted except as provided by The Regulations. Endorsements to these forms are available solely in accordance with The Regulations. The alteration, completion, amendment or issuance of a promulgated form, in a manner contrary to the coverage language required to be used under The Regulations, may have the effect of creating an illegal non-promulgated form in violation of the Texas Title Insurance Act. Under no circumstances may any title insurance company or title insurance agent use any form which has not been promulgated or approved by the Commissioner of Insurance.
The Basic Manual for Title Insurance prohibits Texas title insurance companies, Texas direct operations, and licensed Texas title insurance agents, from providing opinions or estoppel letters concerning the effect of various owner/lender/borrower documents upon policy coverage. Such opinion or estoppel letters may have the effect of waiving or modifying the terms of a promulgated form in violation of The Regulations. The Regulations further prohibit Texas title insurance companies, Texas direct operations, and licensed Texas title insurance agents, from providing opinion or commentaries concerning the effect of various documents upon policy coverage.