Built for Insurance Underwriters
Catch Title Defects Before You Write the Policy
AI-powered Title Search Reports that flag hidden encumbrances, litigation risk, and ownership gaps, so you can underwrite with confidence and reduce claims exposure.
Rating (example)
AA
Safe. Kondapur, Rangareddy
- Ownership HistoryChain verified
- Loans & ChargesNo active mortgage
- Court CasesSearched across 700+ courts
- Approvals & PermitsOccupancy certificate pending
- Market ConditionsIn line with comparables
- Documents to decision
- <15 min
- Risk signals checked
- 29
- Courts searched
- 700+
- States live
- 14
The Problem
Title Defects Are Eating Into Your Claims Reserves
Panel lawyers vary in thoroughness
Each underwriter relies on a different panel lawyer. One missed lien is only found after the policy is issued.
The same checks on every policy
Every title gets the same 29-section report and 29 risk signals. Loans and Charges is a rated pillar, so registered charges show up with their source.
Hidden defects surface after issuance
Litigation and undischarged mortgages can surface only at claim time. By claim time the loss is on your books.
Defects surfaced before you underwrite
Ownership history, charges and 100+ courts are checked together. Findings are cited so underwriters can verify them fast.
Regulators expect deeper documentation
Inconsistent review standards and thin audit trails create risk during inspections.
An audit trail on every file
Every finding points to its source page. Data is stored in India, and we are ISO/IEC 27001:2022 certified.
The LegiScore Solution
A Standardized Title Search Report for Every Policy You Write
LegiScore generates a comprehensive Title Search Report (TSR) with a 1000-point property rating that quantifies title risk across five dimensions, giving your underwriters a consistent, auditable decision framework for every property.
- 01Pillar
Ownership History
Validates chain of ownership, sale deed authenticity, mutation status, and power of attorney legitimacy across 30+ checkpoints.
- 02Pillar
Loans & Charges
Detects active mortgages, liens, unpaid charges, and undischarged encumbrances that could trigger future claims against the policy.
- 03Pillar
Court Cases
Scans High Court and District Court records for active or historical disputes involving the property, parties, or survey number.
- 04Pillar
Approvals & Permits
Checks land-use permissions, building approvals, RERA registration, and environmental clearances that affect insurable interest.
- 05Pillar
Market Conditions
Assesses micro-market valuation trends, comparable transaction data, and location-specific risk factors relevant to coverage amounts.
Before and after
Traditional Title Examination vs LegiScore-Powered Underwriting
| Dimension | Traditional Title Examination | LegiScore-Powered Underwriting |
|---|---|---|
| Title Search Speed | 7-14 days per property via panel lawyers | Under 15 minutes with automated data extraction |
| Defect Detection | Dependent on individual lawyer thoroughness | Systematic 300-point title integrity check every time |
| Consistency | Varies by panel lawyer, region, and workload | Standardized 1000-point score across all properties |
| Claims Prevention | Reactive, defects discovered at claim stage | Proactive, defects flagged before policy issuance |
| Bulk Screening | Sequential processing limits throughput | Batch screening of entire portfolios in hours |
| Audit Trail | Paper-based opinions with no structured data | Digital reports with full audit log and version history |
| Regulatory Readiness | Manual compilation for inspections | One-click export of verification records per policy |
Platform Capabilities
Everything Your Underwriting Team Needs
AAA
Pristine
AA
Safe
A
Moderate
BBB
High Risk
C
Critical
Automated Title Search Report (TSR)
Pulls ownership records, encumbrance certificates, mutation status, and court cases from 15+ government databases, delivering a structured TSR in minutes instead of weeks.
Risk Scoring for Underwriting Decisions
Every property gets a 1000-point LegiScore rating. Set custom thresholds, auto-approve properties above 750, flag properties between 500-750 for manual review, and decline below 500.
Bulk Policy Screening
Screen hundreds of properties in a single batch. Upload a portfolio of addresses or survey numbers and receive TSRs for the entire set, ideal for group policies and portfolio renewals.
Claims Prevention Analytics
Dashboard showing defect patterns across your portfolio, most common title issues by region, property type, and age. Use the data to refine underwriting guidelines and reduce loss ratios.
API for Policy Management Systems
RESTful API integrates with your existing policy administration and claims management systems. Trigger TSR generation at point-of-sale and embed risk scores directly into underwriting workflows.
Complete Audit Trail
Every verification step is timestamped and logged, from data source queries to final rating calculation. Export audit packages per policy for regulatory inspections and internal compliance reviews.
“We used to rely on 12 different panel lawyers across states, each with their own format and thoroughness. LegiScore gave us a single standard, and our claims from title defects dropped within the first quarter.”
Questions