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<p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Arial",sans-serif;color:#1F3864">Megan:<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Arial",sans-serif;color:#1F3864"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Arial",sans-serif;color:#1F3864">Comments from WFG:<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Arial",sans-serif;color:#1F3864"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;color:#1F497D">Systemic concerns:
<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;color:#1F497D"><o:p> </o:p></span></p>
<p class="MsoListParagraph" style="text-indent:-.25in;mso-list:l0 level1 lfo1"><![if !supportLists]><span style="font-size:11.0pt;color:#1F497D"><span style="mso-list:Ignore">1.<span style="font:7.0pt "Times New Roman"">
</span></span></span><![endif]><span style="font-size:11.0pt;color:#1F497D">We have a duty to report certain sanctions and adverse findings to all of our regulators. By redefining every “foot fault” as an “unfair and deceptive practices” broadly, this would
increase the number of notifications that Don has to do and trigger a lot of unnecessary investigations in other states.
<o:p></o:p></span></p>
<p class="MsoListParagraph" style="text-indent:-.25in;mso-list:l0 level1 lfo1"><![if !supportLists]><span style="font-size:11.0pt;color:#1F497D"><span style="mso-list:Ignore">2.<span style="font:7.0pt "Times New Roman"">
</span></span></span><![endif]><span style="font-size:11.0pt;color:#1F497D">The requirement of a full and complete investigation for any denial – can’t rely only on databases is simply wrong for title. I don’t need to investigate very far beyond policy language
for many types of claims; and the first and sometimes only step needed on some claims is to rerun the title search (which is a database) and see if the claimant missed any documents. “You don’t have a claim, because that mortgage really was satisfied.”<o:p></o:p></span></p>
<p class="MsoListParagraph" style="text-indent:-.25in;mso-list:l0 level1 lfo1"><![if !supportLists]><span style="font-size:11.0pt;color:#1F497D"><span style="mso-list:Ignore">3.<span style="font:7.0pt "Times New Roman"">
</span></span></span><![endif]><span style="font-size:11.0pt;color:#1F497D">This triggers short time-frames based on a notification to an agent. That may work in auto and P&C where the agent is on the front lines of processing claims, but not in title. <o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Arial",sans-serif;color:#1F3864"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Arial",sans-serif;color:#1F3864">Maybe the Title Industry can convince the OIC to allow the WLTA to assist in creating separate and appropriate rules governing title insurance, instead of shoe
horning us into the casualty insurance sphere?<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Arial",sans-serif;color:#1F3864"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Arial",sans-serif;color:#1F3864">craig<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Arial",sans-serif;color:#1F3864"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Arial",sans-serif;color:#1F3864"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Arial",sans-serif;color:#1F3864"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height:105%"><span style="font-size:11.0pt;line-height:105%;color:#1F3864"><img width="334" height="62" id="Picture_x0020_15" src="cid:image005.png@01DC077D.5C366F50"><img width="42" height="42" id="_x0000_i1028" src="cid:image007.jpg@01DC077D.5C366F50" alt="WLTA-WTP1 LOGO small"></span><b><span style="font-size:11.0pt;line-height:105%;font-family:"Segoe UI",sans-serif;color:#A39161"><o:p></o:p></span></b></p>
<p class="MsoNormal"><b><span style="font-size:12.0pt;font-family:"Segoe UI",sans-serif;color:#1F3864">Craig Trummel</span></b><span style="font-size:12.0pt;color:#1F3864"><br>
</span><span style="font-size:12.0pt;font-family:"Segoe UI",sans-serif;color:#1F3864">Regional Underwriter/Washington State Counsel</span><span style="font-size:12.0pt;font-family:"Segoe UI",sans-serif;color:#A39161">
</span><span style="font-size:12.0pt;color:#1F497D"><br>
</span><span style="font-size:12.0pt;font-family:"Segoe UI",sans-serif;color:#1F3864;background:white">C: 206.580.8344</span><span style="font-size:12.0pt;font-family:"Segoe UI",sans-serif;color:#1F497D;background:white">
</span><span style="font-family:"Helvetica",sans-serif;color:black"> | </span><span style="font-size:12.0pt;font-family:"Segoe UI",sans-serif;color:#1F497D;background:white"><a href="mailto:ctrummel@wfgtitle.com">ctrummel@wfgtitle.com</a> |
<a href="http://www.wfgtitle.com/">www.wfgtitle.com</a> </span><span style="font-size:12.0pt;color:#1F3864"><o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Helvetica",sans-serif;color:black">Confidentiality Notice: The information contained in this electronic e-mail and any accompanying attachment(s) is intended only for the use of the intended recipient
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this communication in error, please immediately notify the sender by return e-mail, and delete the original message and all copies from your system and promptly destroy any copies made of this electronic message.<o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Helvetica",sans-serif;color:black"><o:p> </o:p></span></p>
<p class="MsoNormal"><u><span style="font-size:11.0pt;font-family:"Helvetica",sans-serif;color:#002060"><a href="https://wfgtitle.com/privacy-policy/"><span style="color:#002060">Click Here for WFG’s Plain English Privacy Policy</span></a></span></u><span style="font-size:11.0pt;font-family:"Helvetica",sans-serif;color:black"><o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:11.0pt;color:#1F3864"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Arial",sans-serif;color:#1F3864"><o:p> </o:p></span></p>
<p class="MsoNormal"><b><span style="font-size:11.0pt">From:</span></b><span style="font-size:11.0pt"> Wltaunderwritersection [mailto:wltaunderwritersection-bounces@washingtonlandtitle.com]
<b>On Behalf Of </b>Megan Powell<br>
<b>Sent:</b> Wednesday, August 6, 2025 3:27 PM<br>
<b>To:</b> wltaunderwritersection@washingtonlandtitle.com<br>
<b>Subject:</b> [Wltaunderwritersection] R 2025-05: Proposed Rule re Claims Handling<o:p></o:p></span></p>
<p class="MsoNormal"><o:p> </o:p></p>
<div>
<p class="MsoNormal" style="mso-line-height-alt:.75pt"><span style="font-size:1.0pt;color:white">This email is being sent to all of the members of the Underwriters Section of the WLTA. The Washington State Office of the Insurance Commissioner released a prepublication
draft for claims handling minimum standards rule (R2025-05). Comments<o:p></o:p></span></p>
</div>
<div>
<p class="MsoNormal" style="mso-line-height-alt:.75pt"><span style="font-size:1.0pt;color:white"></span><span style="font-size:1.0pt;font-family:"Times New Roman",serif;color:white"><o:p></o:p></span></p>
</div>
<p class="MsoNormal"><span style="font-size:11.0pt">This email is being sent to all of the members of the Underwriters Section of the WLTA.
<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt">The Washington State Office of the Insurance Commissioner released a prepublication draft for claims handling minimum standards rule (R2025-05). Comments on the prepublication draft are due on
<b><u>August 8, 2025</u></b> and can be sent to <a href="mailto:rulescoordinator@oic.wa.gov">
rulescoordinator@oic.wa.gov</a>.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt">The text of the prepublication draft can be found
<a href="https://urldefense.com/v3/__https:/www.insurance.wa.gov/laws-rules/legislation-and-rulemaking/rulemaking/clarifying-and-updating-minimum-standards-claims-handling-r-2025-05?utm_content=&utm_medium=email&utm_name=&utm_source=govdelivery&utm_term=__;!!D1GiJZDdVrw!YZDmlDM0WJXxm2viRJBvtGIegASxYjIIRYaMrMYitxI96YqpoIJSp3GmjLT6OqosP-K2rmv4xXW13EEA0g$">
here [insurance.wa.gov]</a>. It is also attached to this email.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt">Each Underwriter should consider whether they want to provide their own comments to the OIC. It is my understanding there is also a draft letter in process that will be provided to the WLTA Board for consideration
to submit on behalf of the industry as a whole. Since we have a short timeframe it would be appreciated if each Underwriter could provide any comments they have promptly.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt">Please let me know if you have any questions. Thank you.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:#1F497D;mso-ligatures:standardcontextual"><br>
</span><span style="font-size:7.5pt;font-family:"Verdana",sans-serif;color:silver;mso-ligatures:standardcontextual">__________________________________________________</span><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:#1F497D;mso-ligatures:standardcontextual"><br>
</span><b><span style="font-size:9.0pt;font-family:"Verdana",sans-serif;color:#113D6D;mso-ligatures:standardcontextual">Megan Powell</span></b><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:#1F497D;mso-ligatures:standardcontextual"><br>
</span><span style="font-size:7.5pt;font-family:"Verdana",sans-serif;color:#113D6D;mso-ligatures:standardcontextual">Director of Underwriting - Direct Division<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:7.5pt;font-family:"Verdana",sans-serif;color:#113D6D;mso-ligatures:standardcontextual"><br>
</span><span style="font-size:7.5pt;font-family:"Verdana",sans-serif;color:#113D6D"><img border="0" width="211" height="53" id="Picture_x0020_1" src="cid:image008.jpg@01DC077D.051FAA60" alt="Description: https://www.firstam.com/assets/email/images/fa-logo-signature.jpg"><span style="mso-ligatures:standardcontextual"><br>
</span></span><span style="font-size:7.5pt;font-family:"Verdana",sans-serif;color:#002060;mso-ligatures:standardcontextual">First American Title Insurance Company<br>
Madison Centre</span><span style="font-size:7.5pt;font-family:"Verdana",sans-serif;color:#113D6D;mso-ligatures:standardcontextual"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:7.5pt;font-family:"Verdana",sans-serif;color:#002060;mso-ligatures:standardcontextual">920 Fifth Avenue, Suite 1250<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:7.5pt;font-family:"Verdana",sans-serif;color:#002060;mso-ligatures:standardcontextual">Seattle, WA 98104<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:7.5pt;font-family:"Verdana",sans-serif;color:#113D6D;mso-ligatures:standardcontextual"><br>
Direct: 206-615-3285<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:7.5pt;font-family:"Verdana",sans-serif;color:#113D6D;mso-ligatures:standardcontextual">Mobile: 206-375-3491<br>
Email: </span><span style="font-size:12.0pt;mso-ligatures:standardcontextual"><a href="mailto:mpowell@firstam.com"><span style="font-size:7.5pt;font-family:"Verdana",sans-serif;color:blue">mpowell@firstam.com</span></a></span><span style="font-size:7.5pt;font-family:"Verdana",sans-serif;color:#113D6D;mso-ligatures:standardcontextual">
</span><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:#1F497D;mso-ligatures:standardcontextual"><br>
<br>
</span><span style="font-size:7.5pt;font-family:"Verdana",sans-serif;color:#003366;mso-ligatures:standardcontextual">A member of the
</span><span style="font-size:12.0pt;mso-ligatures:standardcontextual"><a href="https://urldefense.com/v3/__http:/www.firstam.com/__;!!D1GiJZDdVrw!YZDmlDM0WJXxm2viRJBvtGIegASxYjIIRYaMrMYitxI96YqpoIJSp3GmjLT6OqosP-K2rmv4xXVHqynpqA$"><span style="font-size:7.5pt;font-family:"Verdana",sans-serif;color:blue">First
American Financial Corporation</span> [firstam.com]</a></span><span style="font-size:7.5pt;font-family:"Verdana",sans-serif;color:#003366;mso-ligatures:standardcontextual"><br>
family of companies | </span><span style="font-size:12.0pt;mso-ligatures:standardcontextual"><a href="https://urldefense.com/v3/__http:/www.firstam.com/investor__;!!D1GiJZDdVrw!YZDmlDM0WJXxm2viRJBvtGIegASxYjIIRYaMrMYitxI96YqpoIJSp3GmjLT6OqosP-K2rmv4xXXDErmnqg$"><span style="font-size:7.5pt;font-family:"Verdana",sans-serif;color:blue">NYSE:
FAF</span> [firstam.com]</a></span><span style="font-size:7.5pt;font-family:"Verdana",sans-serif;color:#113D6D;mso-ligatures:standardcontextual"><o:p></o:p></span></p>
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