Property Insurance 101: Everything You Always Wanted to Know About Examinations Under Oath - But Were Afraid to Ask!


Who Must Submit to an EUO?

Property insurance policies typically require “the named insured,”“the insured,”“an insured,” or “any insured” to submit to an EUO. All persons who fall within the policy’s definition of these terms must comply with the EUO requirement, which in a homeowner’s policy may be limited to spouses. 29

…the insurer’s failure to provide information concerning its investigation, including copies of previous statements, is not an excuse for the insured’s non-compliance with the EUO requirement.