When you submit a title insurance claim to ANY title insurance company, you'll need to prove damage or loss are at least the threat of damage or loss. By threat, I mean that you should get your title insurance company involved in your defense if your are threatened by loss or damage related to items that may be covered by your title insurance policy. The title insurance company claims department will decide whether to defend, settle, whatever based upon the facts of the case.
Your job is to file the claim as soon as you know you are at risk. If you are unhappy with the response you get from the title insurance company, have your attorney review the matter.