Justia Lawyer Rating
Florida Association Women Lawyers
Super Lawyers
Super Lawyers Rising Stars
The Florida Bar
South Palm Beach County Bar Association
Super Lawyers Selected in 2021
ACTFL - Superior Russian Speaking Proficiency
Super Lawyers Selected in 2023

What is an Examination Under Oath?

After you make a claim with your insurance company, they may request that you participate in an Examination Under Oath, or an "EUO". An insured is typically required to give an EUO for coverage. So, what exactly is it?

An examination under oath is a formal proceeding, attended by a representative of the insurance company (typically, their attorney), and a court reporter. The insured will swear, under oath, to give truthful answers to questions asked by the representative. The representative will typically ask questions about the damage to the property or prior repairs to determine the validity of the claim.

While insurance companies use this process to gather more information about the claim, they have been known to abuse it as well. For instance, it has been used to delay paying homeowners' claims, even when the insurance company already has sufficient information; or to simply intimidate the homeowner.

You can bring an attorney to represent you at an EUO, and it may be important to have one present and assist you in preparation. Typically, insurance companies will ask for a number of personal documents, which will likely feel invasive, and the insurer may not be entitled to all documents requested. An attorney may also be able to assist you in preparing for your EUO so you can ensure your claim is properly evaluated.

If your insurance company has requested an EUO, or is abusing the process of requesting an EUO, contact our office today for a consultation.

This article is not intended to be legal advice, nor create an attorney-client relationship.

Client Reviews
"I was told by my insurance adjuster that Rina was a fabulous attorney who will fight hard for her clients and he was right. She did an outstanding job communicating with me throughout a stressful negotiation process and I was so happy with the settlement she got for me. Highly recommend the Law Offices of Rina Feld!” Mark L.
I had water damage to the inside of my home and homeowners insurance automatically rejected my claim. After giving up fighting them on my own i contacted Rina and she petsonally discussed options and explained the procedure. After about 4 months my claim was resolved , Rina worked pro bono so did not cost me a penny. I now have new ceilings ! Thoroughly recommended. Christopher D.
Rina is very efficient. She always kept me updated and worked very quickly. She took the time to explain everything thoroughly and made sure that I understood, although my primary language is Spanish. Mariel C.