Insurer scheduling an EUO?

Examination Under Oath in an Insurance Claim (US)

Refusing an EUO can void your claim. Prepare with counsel — testimony can be used to deny for misrepresentation.

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The short answer

Examination Under Oath (EUO) is a policy-required deposition with the insurer's counsel. Cooperation is a condition of coverage — refuse and the claim is denied. EUOs are common on theft, fire, and large water claims. Have your attorney present, review the claim file, and prepare — inconsistencies with earlier statements are used to deny.

Frequently asked

Can I bring documents?
You'll be asked to produce documents in advance and at the EUO — bring receipts, photos, communication logs.

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