April 7, 2022
Once you file a property damage insurance claim with your insurance company, the insurance company will make multiple requests for information from you. As an example, they will want proof of the loss, documents such as repair estimates, receipts for the purchase of damaged property, receipts for the hotel you had to stay at while your home was being repaired. In addition, you may also get a letter asking that you submit to an examination. Your question is: what is an examination under oath in an insurance claim?
What is an Examination Under Oath In an Insurance Claim?
An examination under oath in an insurance claim is a formal proceeding requested by the insurance company. Also called an EUO, the insurance company lawyer questions you about the claim. Since you are to answer the questions under oath, you are required to answer truthfully. Moreover, a court reporter is present to make a transcript of the EUO.
When you submit to an examination, you can have your attorney there (which is a good idea). However, your attorney does not take part in the EUO like it was a deposition. For instance, when you are answering questions, your attorney cannot object to questions posed to you.
What Types of Questions Will They Ask You?
The insurance company lawyer may ask you about some of the documents requested during the investigation of your claim. Similarly, she may ask you about some of your damaged property, such as how long you owned it and what condition it was in.
However, she may ask you about your work and credit history, whether you file tax returns every year and other somewhat personal questions.
An insured who refuses to answer questions may see their insurance coverage denied for the claim.
Do You Have to Go to the EUO?
Your insurance policy is a contract between you and your insurance company. In return for accepting your premium payments, your insurance company provides you with insurance coverage for damages caused by covered events. But you have to do more than just pay your premiums.
If you file a claim, you have to cooperate with the insurance company’s adjuster as they investigate the claim. Under the terms of standard property damage policies, the insurance company can ask you to submit to an EUO. It is not a crime for you to refuse to go to the EUO. However, failure to comply with the request means that the insurance company can deny your claim.
If You Get an EUO Request, Talk to an Experienced Public Adjuster or Insurance Attorney
If you get a request for an examination, don’t go by yourself. Talk to a public adjuster and/or an insurance attorney. They can review your claim with you and point out issues that might concern the insurance company.
They can help prepare you for the questions the insurance company lawyer will ask you. Importantly, they can help you prepare answers to those questions that will be truthful and make you look confident.
If You Get a Request for an Examination Under Oath in an Insurance Claim, Call AllCity Adjusting
We are a family-owned, experienced insurance claims company with five decades of combined adjusting experience. As a result, if there’s one thing we understand, it’s that you need 100% of your claim value.
At AllCity Adjusting we work to ensure you get 100% of your damage claim value. Equally important, with over 50 years of combined adjusting experience, we know insurance companies and understand where they cut corners.
We Have Helped Homeowners Get Ready for an Examination Under Oath
If your insurance company has sent you a letter to request an EUO, let us help you. For instance, we can gather and organize all the damage and repair estimates. Additionally, we can help you prepare an inventory of all your damaged personal belongings.
We can prepare documents showing the extent of the fire or water damage to your home. Likewise, if you had expensive wood flooring, rugs or wall coverings that need to be replaced, we’ll help you get the full value of your claim.
Lastly, if you have hired an attorney, we can work with your attorney to make sure you are prepared to testify truthfully and confidently. We work with law firms all the time to help our mutual clients.
Therefore, if your insurance company sent you a request for an EUO, call us at 844.692.3587. Or you can email us at email@example.com.
Best way to beat the insurance company is to hire AllCity Adjusting
At AllCity Adjusting we help residential and commercial clients alike get the claims support they need. Moreover, we have over 50 years of combined experience helping get our clients the max settlement time and time again. If your claim has been low balled or denied entirely we can help increase your maximum settlement. Call us today for a FREE consultation. Experience the AllCity difference.
Real Support When You Need It!
If a fire has occurred at your home, your first concern, of course, is the safety of yourself and your family. However, depending on the extent of the fire damage, you will have to resolve the issue of salvageable v. non-salvageable property after a fire. Homeowners’ insurance protects your home itself (Dwelling Coverage) and its contents (Personal Property Coverage). High heat, smoke, and soot can cause extensive damage to your personal property, such as clothes, furniture, hardwood floors, and appliances. For instance, smoke damage causes fabrics, clothes, and soft goods to reek of the smell of smoke. Additionally, smoke and soot can discolor objects and reduce the life span of electronics and machinery. Consequently, you and your insurance company will have to determine which personal property is salvageable v. non-salvageable property after a fire.
Many homeowners never read their homeowners’ insurance policy. Then a covered loss, like a fire or hurricane, causes extensive damage to the home and contents. Of course, the homeowner files a claim with her insurance company. Eventually, the homeowner gets a claim settlement offer from the home insurance company. However, only then does the homeowner learn the difference between actual cash value v. replacement cost value coverage.
Water damage insurance claims are some of the most frequent home insurance claims that homeowners file. However, homeowner insurance does not cover all types of damages caused by water. Therefore, handling water damage insurance claims requires the homeowner to be careful and diligent before and during the claims process.
Unfortunately, a terrible storm moved through your area. It left fallen trees and damaged homes in its wake. Your house was one of them. You have never filed a claim with your homeowners’ insurance company. But you now have a homeowners’ property damage claim-do you need an attorney?
One of the most traumatic events experienced by homeowners is a fire in their homes. Certainly, the potential for serious injury can be significant. However, the relief that no one was harmed soon fades away as the reality of the property damage sinks in. Now, one key question for the homeowner will be how to negotiate a fire damage insurance claim settlement.
Stucco is a popular siding used on new developments, homes, and businesses since the early 1900s. Manufacturers make it of cement, limestone, and silica. In fact, it has become very popular in the last 20 years. However, when not installed properly, it can lead to several problems. Therefore, some homeowners will have to file insurance claims for poorly installed stucco.
Stay Up to Date With The Latest News & Updates
Don't Wait - Get More
Get a free 1 hour consultation on your next call. So call today and challenge the insurance company narrative on your policy claim. We can help you with all your public adjuster claims support. Let us help you get more.
Join Our Newsletter
Do you want to learn more about public adjusting. In this newsletter we create helpful tips and hints and you will receive notifications when we post new articles.
Follow us on the following social networks.