Can You Refuse a Homeowners Insurance Company’s Examination Under Oath?

Posted on February 13, 2023


Long Nguyen | author

Site Logo Favicon

ICHQ | Site Author

If you have been asked to attend an Examination Under Oath (EUO) by your homeowner’s insurance company, it’s essential to understand your rights.

An EUO is a formal process conducted by your insurance company where they will ask you questions to determine the veracity of your insurance claim. While you may be thinking about refusing an EUO, you should note the consequences of that decision. 

Insurance Claim HQ has experienced homeowners insurance claims attorneys who can walk you through the process of getting your fair share from your insurer.

What is an Examination Under Oath?

An EUO is an insurance industry tool designed to help insurance companies investigate and settle claims. The primary purpose of an EUO is to ensure that the insured’s account is accurate and that all parties are truthful in their statements.

What Happens if I Do Not Attend an EUO?

If you refuse to attend an EUO requested by your homeowners insurance company, the insurer could deny or limit coverage for the claim, or cancel the policy altogether should it be found that you intentionally misrepresented or concealed facts. Refusing to attend an EUO raises suspicions of insurance fraud.

How Should I Prepare for a EUO?

Being well-prepared before attending an EUO is essential. It is wise to consult with an attorney who can help you understand the process and prepare you for the questions you may be asked. 

This is because an attorney cannot participate in the EUO — meaning they cannot object to the questions you’ll be asked.

What Questions will be Asked at an EUO?

The homeowners insurance company will ask you a range of questions to gain further information about your claim. These questions may include when you purchased the property, how long you have lived there, the cause of any damage, and what steps were taken to repair it. 

The insurance company will also ask questions related to the content of the home, such as whether you had any valuables that were destroyed or damaged in the incident. They may also ask for details regarding any witness statements or other documentation relevant to your claim. 

You should provide clear, accurate, and detailed responses.

Contact Insurance Claim HQ Today

Attending an EUO is complex, and preparation is essential. If you are facing an EUO, seek legal help from experienced homeowners insurance claim attorneys.

Contact us at Insurance Claim HQ for more information regarding homeowners insurance policy procedures.

FAQs About Homeowners Insurance EUOs

Who conducts an EUO?

The insurance company’s legal counsel conducts an EUO.

How do EUOs differ from depositions?

In a sense, these are related, but depositions are a court requirement for litigation and an EUO is often a contract requirement before litigation.