Stages 7–9 — Legal Review, Exception Writing & Title Commitment

These three stages form the decision layer of the platform.

Stages 1–6 collect evidence, extract information, build relationships and resolve encumbrances.

Stages 7–9 transform that evidence into an insurable title opinion.

Overall Flow

Stage 7
Risk Analysis
      │
      ▼
Findings
      │
      ▼
Stage 8
Exception & Requirement Generation
      │
      ▼
Requirements / Exceptions
      │
      ▼
Stage 9
Title Commitment Generation
      │
      ▼
Final Commitment

Core Object — Finding

Every downstream decision revolves around a Finding.

A Finding contains:

• Type
• Severity
• Status
• Evidence
• Recommendation
• Confidence
• Human Decision
• Resolution
• Linked Documents

Stage 7 creates Findings. Stage 8 converts Findings into Requirements or Exceptions. Stage 9 renders them into the final commitment.

Stage 7 — Legal Review & Risk Analysis

Goal

Analyze the Property Knowledge Graph and Active Encumbrance Profile to identify every issue affecting insurability.

Responsibilities

• Risk detection
• Evidence collection
• Severity assignment
• Recommendation generation
• Explainable findings

Input

• Property Knowledge Graph
• Ownership Chain
• Active Encumbrances
• Timeline
• Evidence Package

Risk Categories

Ownership

• Missing deed
• Ownership gap
• Unknown owner
• Invalid transfer

Mortgage

• Missing release
• Orphan assignment
• Multiple active mortgages

Property

• Easement conflicts
• Parcel mismatch
• Boundary issues

Legal

• Probate
• Trust authority
• LLC authority
• Corporate authority

Financial

• Tax issues
• Judgments
• Bankruptcy

Output

Each risk becomes a structured Finding with supporting evidence and recommendations.

Human Involvement

Required. The examiner reviews and approves, rejects or modifies findings.

Definition of Done

• Risks identified.
• Evidence linked.
• Severity assigned.
• Recommendations generated.
• Findings created.

Stage 8 — Exception Writing

Goal

Transform approved Findings into title requirements, Schedule B exceptions and informational notes.

Responsibilities

• Requirement generation
• Exception generation
• Mapping findings to title language
• Supporting evidence linkage

Mapping

Finding ↓ Requirement

Finding ↓ Exception

Finding ↓ Informational Note

Not every finding becomes a requirement. Not every finding becomes an exception. The mapping should be configurable.

Output

• Requirements
• Schedule B Exceptions
• Informational Notes
• Supporting Evidence

Human Involvement

Examiner reviews wording and mapping.

Definition of Done

• Findings mapped.
• Requirements approved.
• Exceptions approved.
• Supporting evidence linked.

Stage 9 — Title Commitment

Goal

Generate the complete title commitment from the structured decision model.

Responsibilities

• Build commitment model
• Generate Schedule A
• Generate Schedule B
• Produce output formats

Output Formats

• JSON
• PDF
• DOCX
• API Response
• Portal View
• Print Package

All outputs should be generated from a single canonical Commitment Model.

Human Workflow

AI Draft ↓ Examiner Review ↓ Modifications ↓ Approval ↓ Final Commitment

The examiner edits the structured model, not the generated PDF.

Definition of Done

• Commitment model completed.
• Schedules generated.
• Deliverables generated.
• Examiner approval recorded.
• Final commitment ready for delivery.