After a loss to your home or commercial property, you submit a claim to your insurance company, expecting them to take care of everything.

Then, they request an examination under oath (EUO) or recorded statement. Does your insurance company think you're lying? Why do they want you to make a sworn statement?

The answer is that EUOs are fairly common. It's a process used by property insurance companies to investigate claims made by policyholders. You'll give sworn testimony, typically in the presence of a lawyer, regarding the details of the claim. The purpose of the EUO is to allow your insurance company to gather information and determine the validity of the claim. The EUO is typically conducted in person, but it can also be conducted over the phone or via video conference. You'll be required to answer questions from the insurance company's representative, who is usually an attorney hired by the insurance company.

EUOs are common – but don't be deceived. Your insurance company can use anything you say in an EUO against you to deny or partially deny the claim. 

Policyholders must understand that an EUO is a formal legal proceeding and should be taken very seriously. If you refuse to participate in an EUO, the insurance company may deny the claim based on your failure to cooperate.

Fortunately, you have a right to have your own attorney present during the EUO.

If you're requested to participate in an EUO, you should consult with an attorney who is experienced in insurance law to ensure that your rights are protected and that you understand the process.

At Conte Injury Lawyers, we handle property damage claims and can guide you through the process and fight for compensation under your insurance policy. Best of all, you won't pay anything us unless we obtain a recovery for you. Give us a call (888-333-9833) and let us fight for you.