Examination Under Oath

Some Insurance Claim Processes May Require You To Participate In An Examination Under Oath

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What Is the Definition of Examination Under Oath?

Once a property damage insurance claim is filed, both parties (insurance company and homeowner) will have important documents to complete. This includes an “Examination Under Oath” (EUO).  The Examination Under Oath is completed at the request of the insurance company, in order to receive additional information or address any disputed conflict within the claim. 

For more information on an Examination Under Oath, contact one of our Florida Property Damage Attorneys for assistance.

FAQ: Am I required to participate in an Examination Under Oath ordered by my insurance company?

If your insurance company has requested for you to take part in an Examination Under Oath, it is your obligation to participate.  If not, this can result in issues with processing your claim, or even full denial. The EUO is a legal proceeding that makes way for the policyholder to support their damage claim to their insurer.  This is made up of a series of questions from your insurer or their attorney to judge the legitimacy of the damage claim. The Examination is similar to a deposition in a lawsuit.​

For more information on an Examination Under Oath, contact one of our Florida Property Damage Attorneys for assistance.

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FAQ: During my Examination Under Oath, what kind of questions will be asked?

During the EUO, your insurer will most likely come prepared with detailed questions on your property's damage and the events surrounding it. This would include the cost of damage, records of payments you've made toward loss recovery, inspection reports, and any other information in relation to your case and its costs. If any information is excluded in response to previous requests, your insurer may want to follow through with those as well. 

It is important that any questions you are asked are answered carefully and thoroughly. The Examination Under Oath can aid you and your insurer in successfully processing your insurance claim. 

For more information on an Examination Under Oath, contact one of our Florida Property Damage Attorneys for assistance.

FAQ: What information will I be required to provide during an Examination Under Oath?

Specific documents such as financial statements, credit  card summaries, or any requested documents should be brought during an Examination Under Oath. Additionally, any other photos or documents relating to your property damage should be brought. 

 

For more information on an Examination Under Oath, contact one of our Florida Property Damage Attorneys for assistance.

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FAQ: Is there a court proceeding with my Examination Under Oath?
There is no court proceeding with your Examination Under Oath. While it may take place within a courtroom with the aid of a court reporter, it is not a court proceeding part of an open legal case. The EUO usually takes place in the presence of an insurance company representative, their attorney, the insured, and their attorney (if one is present on their behalf). No judge or jury is present.  
For more information on an Examination Under Oath, contact one of our Florida Property Damage Attorneys for assistance. 
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Should I Have An Attorney Present During My Examination Under Oath?

Although the presence of an attorney is not a requirement during an Examination Under Oath, it is in your best benefit to have one on your side. An attorney who's knowledgeable on handling EUOs, can prepare and advise you before, during, and after the process. In this, potential concerns will be avoided and your insurance rights as a Florida homeowner will be protected. While an Examination Under Oath is not a formal or official court proceeding, statements made under oath can be used for or against you during a future court hearing. 

The idea of an EUO can be quite intimidating for an insured homeowner simply seeking fair compensation for the damage of their property. The trustworthy firm at Florida Property Damage Attorneys are experienced with  all components of the insurance claim process, including EUOs. We know what tactics they may utilize to diminish or reject your claim, and how to prepare for such in a way that will protect your rights as a policyholder. Call the office of Florida Property Damage Attorneys today at 850-788-7272 today for a free consultation.