What to expect
- Court reporter
- Carrier attorney asking questions under oath
- Scope ranges from claim facts to financial history to prior losses
- Typically lasts 2–4 hours
Why carriers use EUOs
- Investigate claim legitimacy
- Lock in inconsistencies for later denial
- Pressure-test the insured
How to prepare
- Retain a Florida attorney (strongly recommended, not optional)
- Review all documents you've submitted
- Refresh recollection of the loss facts
- Answer truthfully and precisely; no speculation
Refusal consequences
Refusing to attend an EUO typically breaches a policy condition and can result in denial.