Examinations Under Oath — Insurance Claims Definition
A formal, sworn interview of the insured by the insurer's counsel regarding the claim, required by many property policies when requested.
An Examination Under Oath (EUO) is a contractual obligation: the insured must appear, answer questions under oath, and often produce documents. It is more formal than a recorded statement. Refusal without good cause can void coverage.
EUOs help insurers investigate suspected fraud or large complex losses. Counsel for the insured is advisable.
Examples
After a suspicious fire, the carrier schedules an EUO covering the insured's financial condition, recent renovations, and whereabouts at time of loss.
Common Mistakes
Treating an EUO casually or guessing under oath is dangerous. Missing the scheduled EUO without rescheduling through proper channels can result in denial.
