What Is An Examination Under Oath?

J.P. Gonzalez-Sirgo
Founder of J.P. Gonzalez-Sirgo, P.A.

I regularly receive calls from policyholders who are 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 (the EUO).  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. 

You can reach Miami Insurance Claims Lawyer J.P. Gonzalez-Sirgo by dialing his direct number at (786) 272-5841, calling the main office at (305) 461-1095, or Toll Free at 1 (866) 71-CLAIM or email Attorney Gonzalez-Sirgo directly at [email protected].

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