Today I received a call from a policyholder who is facing an imminent examination under oath (also known as a sworn statement or EUO). Basically, the insured wanted to know what an EUO is and what he could expect. The insured has a pending supplemental insurance claim with his insurance company as a result of water damage caused to his condominium unit by a failure in the plumbing system. Most insurance policies contain provisions allowing insurance companies to question the policyholder under oath. Usually this is done by an attorney on behalf of the insurance company in the presence of a court reporter. In theory, the purpose of an EUO is to help an insurance company gather information to investigate the claim. In practice, an EUO often turns adversarial and is used by the insurance carrier to intimidate and harrass the policyholder by seeking irrelevant information and requesting endless streams of documents. A request for an EUO is often the last step prior to the formal insurance claims denial. A policyholder who receives a request for an EUO and hasn't already retained an experienced insurance claims lawyer, is well advised to do so promptly.
I am finding that insurance companies are delaying and denying claims more than ever. But with the right legal help on your side, you can get your claim paid. Don’t quit on your claim just because your insurance company quit on you.
Attorney J.P. Gonzalez-Sirgo has built his entire career on protecting the rights of insurance policyholders, personal injury and wrongful death victims and fighting for the rights of Florida consumers and small businesses. The firm has recovered millions of dollars for victims of denied or underpaid insurance claims, victims of catastrophic personal injuries and wrongful death and on behalf of those that have been taken advantage of by Big Business and Big Insurance. J.P. has been certified as a life member of the Million Dollar Advocates Forum and the Multi-Million Dollar Advocates Forum. The Million Dollar Advocates Forum is recognized as one of the most prestigious groups of trial lawyers in the United States. Membership is limited to attorneys who have won million and multi-million dollar verdicts, awards, and settlements. Fewer than 1% of U.S. lawyers are members. In Miami-Dade County call us at 305-461-1095 or call us toll free at 1-866-71-CLAIM or fill out the short online contact form at www.YourAttorneys.com.