query: I cannot find my title insurance policy.

Unfortunately, that may be a problem.  Hopefully, you have your HUD-1 Settlement Statement.  The HUD-1 will identify the settlement agent/title agent on the first page in the top section.  Start by contacting the title agent.  They are the ones who issue the policy in most instances.  If the title agency is no longer in business or not helpful, look on page two of the HUD-1 in the 1100 section.  

query: I cannot find my title insurance policy.

Unfortunately, that may be a problem.  Hopefully, you have your HUD-1 Settlement Statement.  The HUD-1 will identify the settlement agent/title agent on the first page in the top section.  Start by contacting the title agent.  They are the ones who issue the policy in most instances.  If the title agency is no longer in business or not helpful, look on page two of the HUD-1 in the 1100 section.  

query: who pays for the endorsements on the HUD-1

The endorsements you see listed on the HUD-1 are tied to the title insurance and most often, the loan policy. The terms of your sales agreement or local custom will determine who pays for the loan policy premium and the attached endorsements. In PA, it's considered a buyer cost.

query: who pays for the endorsements on the HUD-1

The endorsements you see listed on the HUD-1 are tied to the title insurance and most often, the loan policy. The terms of your sales agreement or local custom will determine who pays for the loan policy premium and the attached endorsements. In PA, it's considered a buyer cost.