Property Insurance 101: Everything You Always Wanted to Know About Examinations Under Oath — But Were Afraid to Ask!
Overview
An Examination Under Oath (EUO) is a formal part of the property insurance claims process that many policyholders encounter only after a loss—often when questions arise about coverage or the circumstances surrounding the claim. In this episode, we break down what an EUO is, why insurers request them, and what policyholders should expect if they are asked to participate. Conducted under oath and typically recorded by a court reporter, an EUO allows insurers to gather detailed information about a loss and evaluate their obligations under the policy.
The discussion explains common situations that may trigger an EUO, including suspicious loss indicators, inconsistencies in claim details, or questions about coverage, financial motives, or policy conditions. It also clarifies how EUOs differ from depositions in litigation, highlighting key distinctions such as their contractual basis in the insurance policy, their role during the claim investigation stage, and the broader duty of cooperation required from the insured.
Listeners will also learn about the rights and responsibilities involved in the process—such as the importance of answering material questions, providing relevant documentation, and complying with policy obligations. The episode outlines potential consequences for failing to cooperate, including the possibility of losing coverage for the claim, while also discussing legal protections and limitations surrounding the process.
Ultimately, the episode emphasizes the importance of understanding policy provisions and preparing carefully for an EUO. By demystifying the process, it helps policyholders and professionals better navigate one of the most critical—and often misunderstood—steps in a property insurance claim investigation.