When You Are in a Hurry and Looking for Just the Right Expert Witness to Win Your Case.

Real Estate Title Insurance Expert Witness

Provides Opinion & Testimony In:

Escrow, Escrow Agent, escrow agent standards of care, Title Insurance, Title insurance claims, title insurance standards of care, title opinions, title search, title abstract, abstract of title, Real Estate Closings, fee attorney, fee attorney standards of care, approved attorney, approved attorney standards of care, closing, settlement, real estate settlement

Expert No. 2768

Curriculum Vitae

Current Positions:        
Attorney and Consultant / Expert Witness on title insurance, escrow and related matters

University of Baltimore (Maryland), Juris Doctorate Degree, 1971
Texas Land Title School Certificate 1982
A.B.A. National Institute on Antitrust and the Business of Insurance, 1985
Land Title Institute, Management Development Program 2000

Maryland State Bar, 1972
United States Supreme Court, 1976
U. S. District Court of Maryland, 1979
United States Tax Court, 1979
United States Bankruptcy Court, 1979
Title Insurance Agent (State of Maryland) 1979
State Bar of Texas, 1980

Certified Title Insurance Associate (CTIA) by the Texas Land Title Association - this is the highest level of three certifications that are currently available and less than 50 people have earned the CTIA.

Employment History:    
Southern Title Insurance Corporation, VP - Sr. Underwriting Counsel & Special Projects Manager, 2004 -2009
Columbian National Title Insurance Company, Regional Senior Vice President and Counsel, 2001-2004
A PRIVATE COMPANY, President and Consultant, 2000-current
Old Republic National Title Insurance Company, President of subsidiary and Texas Agency Manager, 1997-2000
Fidelity National Title Insurance Company, Vice President and Regional Manager, 1996
Title Resources Guaranty Company, President and C.E.O.,1984 – 1996
Texas State  Board of Insurance,  Assistant  Director  of Title Insurance,1981-1984
Texas Credit Control Corporation, General  Counsel, 1980-1981
Frederick, Jersin, & Philo, Attorneys at Law (Rockville, Maryland) 1978-1980
Law  Offices  of  R.  E.  Philo  (Olney, Maryland) 1973-1978;  
Montgomery County (Maryland)  Police Department, Detective Sergeant/Major Fraud Unit, 1963-1973


State Bar of Texas:

  • Committee on Title Insurance, 82-96
  • Real Estate, Probate and Trust Section, 82-12
  • Antitrust Section, 85-94
  • Speaker, Advanced Real Estate Law Course, 1988      

Texas Land Title Association:

  • Speaker at Regional Seminars, 82-07 & Webinars 08-11
  • Instructor, Land Title School, 82-12
  • Member of Education Committee 10-12
  • Land Title School Committee, 84-86, 90-91and 01-07, (Chair 89-90)
  • Grievance Committee, 84-86 (Chair 85-86)
  • Rates, Rules and Forms (now Regulatory) Committee, 86-92, 95, 2006-11 (Vice Chair 1987)
  • Special Legislative Committee 86-87
  • Advisory Committee to State Board of Insurance, 88-89 (Chair)
  • Land Title Institute Committee, 88-91, 2009-10 (speaker 91)
  • Legislative Study Committee 88-89
  • Seven Task Forces – Title Policy Revisions and Marketability, Division of Premium and Home Office Issue (90-91), Certification (90-94 and 02-07), Bylaws Revision, 97-02 (Chair),  On-line Education (06-08), Uniform Closing Instructions (08) and Certification Orientation (11)
  • Director, 90-96
  • Chairman, Underwriters Section (92-94)
  • President, 95-96
  • Long Range Planning Committee 01-03
  • Peggy Hayes Teaching Excellence Award, 01
  • Underwriter Section Executive Committee, 96 - 06
  • Title-Man of the Year Award, 07
  • Certified Title Insurance Associate, 09-12

Title Underwriters of Texas Advisory Organization, Inc.:

  • Secretary/Treasurer, 84-85, President, 1986
  • Rates, Rules & Forms Committee 84-86 & 89-92
  • Chairman, Rates, Rules & Forms Committee, 85, 89, & 90

New Mexico Land Title Association:

  • Instructor at meetings and schools, 85-88, and 96
  • Rates, Rules & Forms Committee, 86-91 and 96
  • Education Committee, 1988
  • Actuarial Study Committee, 88-96 (Chair 90-92)
  • By Laws and Planning Committee, 90-91
  • Underwriters’ Committee, 06-07

American Land Title Association:

  • Liaison Committee with N.A.I.C., 1987
  • State Legislative and Regulatory Action Committee (for Texas) 86-94
  • Research Committee, 1988
  • Southwest Executive Conference Chairman, 1990 & 95
  • Title Insurance Underwriter Executive Committee 92-95, Vice Chair 95
  • Government Affairs Committee, 1994-96

Texas Department of Insurance Appointments:

  • S. B. I. Staff – Industry Advisory Council on Title Insurance Education, Member, 89-91
  • S. B. I. Special Study Committee on Premium Payments to Underwriters by Title Agents (87-89)
  • Working Group on Title Insurance, 1992
  • Texas Title Insurance Guaranty Association, Board of Directors, 2006 – 2009

Publications:  Upon Request

Related Employment:    
As part-time paid consultant to the New Mexico State Corporation Commission, Department of Insurance, promulgated all title insurance regulations, procedural rules, rate rules and insuring forms currently used in New Mexico.  I also assisted in establishing current rate structure statistical plan and reporting procedures and acted as consultant to the NMLTA at the 2003 Rate Hearing.  As volunteer for state and national associations, I have lobbied members and staff of both Senate and House of Representatives in Washington, D.C.

Special Expertise:        
Qualified as an expert witness before the Texas Department of Insurance, the Texas Legislature, the Florida 2008 Legislative Study Council, and the New Mexico State Corporation Commission – on title insurance matters generally, its rules, regulations, rates and forms.  I have testified in State and Federal Courts as expert witness on title insurance regulation, title insurance and escrow matters and claims procedures.

Speaking Engagements:    
Various city and county land title associations, the New Mexico Escrow Association, the state land title associations of Arkansas, California, Colorado, Kansas, Louisiana, Missouri, New Mexico, Oklahoma and Texas, and the American Land Title Association, the National Association of Land Title Examiners and Abstractors, North Central Texas Chapter of     Property Records Education Partners (PREP), and panelist for October Research national webinar.

Other TX CLE Taught:    

  • Death and Divorce Part 1: Probate & Decedents’ Estates (2011)
  • Death and Divorce Part 2: Marital Property (2011)
  • Representing a Farm and Ranch Client Using New TREC Forms (2003)
  • New TREC Forms and Closing Issues (2002)
  • Put Yourself in These Shoes – An Ethical Problem Solving Workshop (2002)
  • Commercial Rules (2001), Commercial Closing Guidelines (2001)
  • Ethics (1998-2000)
  • Real Estate Contracts (1999).

Current Member:    

  • Westlaw’s Round Table Group
  • American Land Title Association
  • Texas Land Title Association
  • State Bar of Texas Real Estate
  • Probate and Trust Section
  • North Central Texas Chapter of Property Records Education Partners (PREP) and the
  • Central Texas PREP Chapter.