By Eli Goins · FL DFS #P159790 · Reviewed: · 1 min read
Short answer: An Examination Under Oath is a sworn statement the insurance company is contractually entitled to take from you during a claim investigation. It's not a deposition, but it's similarly formal, with a court reporter and a carrier attorney questioning you under oath. Retain a Florida attorney first, because refusing to attend can trigger denial.
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.