The effective date of a title insurance policy should not be earlier than the date and time of recording of the last instrument that is either reflected in the title policy or which creates the interest being insured.

In this regard, the title examination of the property must extend to the effective date and time of the policy.

If the policy is to include any reference to a re-recording of an instrument that is being insured, the date and time of the policy must be the date and time on which the instrument was recorded.