Examination Under Oath Representation

An Examination Under Oath (“EUO”) is part of the insurance company’s investigatory phase of a claim. Similar to a deposition, an EUO is a proceeding attended by the insurance company’s representative, most often an attorney, who asks the homeowner or business owner numerous questions, under oath, in the presence of a certified court reporter.

The insurance company can also require the insured to submit a number of documents and records pertaining to the claim. The requirement of attending an EUO is contractual in nature, meaning the insurance policy itself typically provides that the insurance company can demand an EUO as part of its investigation.

EUOs are very involved and may take 4-8 hours over the course of one or more days of questioning by the insurance company’s attorney. The insurance company has representatives looking out for its best interests, so it is important that you have an experienced attorney to assist in the preparation and attendance of an EUO and to protect you from unreasonable and intrusive questions and practices. It is also extremely important to have legal representation during the EUO process because unguided testimony can discredit your insurance claim and allow the insurance company to deny or undervalue your claim.

If you need examination under oath representation for an insurance matter related to coverage of your residential or commercial property, please don’t hesitate to contact Miami Insurance Attorney at James C. Ligman PA. Let our years of all aspects of first person property insurance litigation experience work for you.