Title Insurance Problems

[joviss425]

Okay here it goes...
We just found out that we did not purchase a owners policy when we bought our 5 acres. This was a complete surprise to us since we were told that it was there when we signed at closing. We did not refuse anything at closing and did NOT sign any waiver saying we refused title insurance. I know is some states a Waiver of refusel must be signed I don't know for AZ. Though we I talked to someone at the Title co. they said it is standard practice to sign a Waiver form. I just don't know what to do. The title company is saying they can't access my fold for review because they sent it to an attorny. Please help.
Thank you

[Mr. Knowitall]

The primary set of Arizona statutes I can find governing title insurers are here (scroll down to Article 9). I don't see anything that would require a waiver at closing. However, this is a question a local real estate lawyer should be able to answer off the top of his head, so before you even try digging through the statutes yourself I suggest calling a few attorneys to see if you can get a quick and easy answer.