"Allow us to take signed and recorded statements, including sworn statements and examinations under oath, and answer all reasonable questions we may ask, as often as we may reasonably require."Take careful note of the "as often as we may reasonably require" provision. In another example, the actual language from a homeowner’s policy states that you must:
"Submit to examination under oath, while not in the presence of any other ‘insured,’ and sign the same."You must attend the EUO when demanded by the insurance company, and failure to do so may lead to rightful denial of your claim. These EUOs are conducted by experienced attorneys hired by the insurance company. These are not friendly- let’s-just-chat, conversations. You should not attend the EUO without your attorney at your side. While the insurance company has certain rights, you do too. By having an attorney, you can be certain that your rights are protected. Your attorney will not allow the insurance company’s attorney to mislead you regarding the reason for the EUO, mis-state your answers, or bully and intimidate you. Your attorney can also advise you as to how many EUOs are "reasonable," what questions during the EUO are relevant to your claim, and in extreme cases whether or not you are waiving your right against self-incrimination. These EUOs are serious business, and payment of your claim for insurance benefits is at stake. If you would like more information about this, please call and speak to one of our attorneys. We are Your Insurance Law Team, and we will be happy to discuss your claim or just answer questions about insurance coverage, at no cost or obligation to you. Do not wait until your claim is denied to find out your rights. Footnote: Thank you to Florida Registered Paralegal Kent W Stoltz for authoring this article.