A Number Looks Wrong: What to Check, and Who to Call

Five inputs account for nearly every figure that looks off, and all five are visible on the result. Work down the list before escalating. If the number is still wrong at the end of it, report it and change nothing.

1. The jurisdiction it resolved to

The bar above the form shows the address it matched, the county, and the state. That resolution selects the rate and fee schedule, so a match to the wrong county produces figures that are internally consistent and still wrong.

The county matters more than the street. Select Change and search again if it is off.

2. Transaction type and property type

Transaction type decides which questions you were asked and which fees apply. Property type decides which endorsements attach: a condominium and a vacant parcel produce different lines from the same sale price.

Both are answered on the first step, so a wrong answer there is invisible by the time you reach the result. Edit Inputs returns you to your answers with everything still in place.

3. Loan amount against sale price

An empty Loan Amount means no lender’s policy is quoted, and no simultaneous issue discount is applied. If a lender’s policy is missing, this is almost always why.

Entering a loan amount also adds two questions to the step, loan type and who pays the lender’s policy. Neither is prefilled.

4. Who pays what

Payer assignment starts from your agency’s configured default for that jurisdiction, and a default is not a rule. If lines are on the wrong side, the Who pays fields are the fix, not an escalation.

Changing them moves lines between columns without changing the total. If the total moved, the cause is elsewhere on this list.

5. A closing date that moved

Prorations are calculated from the closing date in force when you added them. Change the date afterwards and the affected rows are highlighted and flagged, not silently recalculated, because the figure may have been adjusted deliberately.

Reopen each highlighted row’s calculator to update it, or edit the row. Setting the date back clears the warning on its own.

Read the notes on the result

The result annotates its own uncertainty. A line reading Estimate based on industry-typical defaults, confirm with your carrier under a reissue or simultaneous issue discount means that discount came from a default rather than a figure verified for your jurisdiction. That is worth confirming before the number reaches a client.

If it is still wrong

Report it. Do not edit rate or fee configuration to make a number match.

Send the property address, the transaction type, the figures you entered, and the figure you expected with its source. A screenshot or a downloaded PDF captures all of it at once.

A rate or fee table edited to correct one transaction changes every later transaction in that jurisdiction, including ones already quoted from it. A wrong number reported is a fix; a wrong number patched locally is a second, quieter problem.