My dad just had a similar problem - here is what happened.
He gave a mortgage through his attorney - the attorney also is a client of a certain title company and therefore had his own forms with the title company letterhead (and title policy numbers!). He provided my dad with the policy and later on my dad found out that he never sent it to the title company! In other words, he goofed! Low and behold, the title was not clear and now neither the attorney nor the title company will make good on it! Sure, he could sue....but that takes a lot of time and money.
Buyer beware. Don't gloss over real estate documents. Double check everything.