The structure: agency + underwriter + attorneys
Title insurance policies are issued by national underwriters — large, regulated insurers whose financial strength backs every policy for as long as you own the property. Licensed title agencies like Milestone Title perform the search, examination, closing, and settlement work, and issue policies as appointed agents of those underwriters, following their underwriting standards on every file.
Milestone Title issues its policies through its agency appointment with Old Republic National Title Insurance Company — one of the nation's largest title insurance underwriters, part of a group whose title-insurance roots trace back more than a century. Your commitment and final policy carry Old Republic's name on the first page, and Old Republic's financial strength stands behind the coverage for as long as you own the property.
Milestone Title adds a third layer most agencies cannot: it was founded by real estate attorneys, and its examination and closing work run under the title company's own attorney-supervised standards. Underwriting standards tell an agency what documentation a risk requires; attorney supervision means the legal significance of a requirement gets recognized early — and where actual legal work becomes necessary, it is procured separately and directly from the affiliated law firm, or from any attorney the client chooses.
Regulation you benefit from
- Florida title agencies and agents are licensed and regulated by the Florida Department of Financial Services
- Premium rates are promulgated by state rule — the same statewide, so service quality is the real differentiator
- Escrow/trust accounting is subject to statutory duties, underwriter audits, and reconciliation discipline
- Our operational controls track the title industry's best-practices framework: written procedures, segregated trust accounts, three-way reconciliation, protection of non-public personal information, and documented wire-verification protocols
Since 2002, alongside an independent law firm
Milestone Title has closed South Florida transactions for over two decades from Hallandale Beach, alongside — but separate from — a law firm that has protected South Florida families since 1980. That continuity matters in title work: institutional memory of local recording quirks, municipal practices, and association behaviors is the kind of asset that never shows up in a fee quote — and shows up in every file.
The separation matters as much as the relationship: Milestone Title, Co. and Muroff, Milestone & Milestone, P.A. are distinct entities, each solely responsible for its own services. Attorney supervision is an internal quality control of the title company — it does not make the law firm a provider of title services, and legal services remain a direct, separate engagement with the firm at fees it determines, only when actually necessary.