query: how to get a copy of title policy if never received title company closed

OK, this doesn't surprise me too much. Title companies who fail to send title policies to their customers fry my brains.

Take a look at the HUD-1 Settlement Statement. You should have received this form at the closing. Look at the back page in the 1100 section. You should see the name of a title insurance company somewhere there and hopefully it isn't just the name of the agency. Google the title company and explain your predicament. If you can't find a name or get no satisfaction, contact your state insurance regulator for assistance.

Consumers should beware. If you aren 't getting a copy of the title commitment before you close, there's a good chance you are dealing with a sloppy title agent. The problem with sloppy title agents is that they may never actually issue you a title policy and they just MIGHT go out of business before you figure that one out.

Good luck!