Examination
Under Oath?
Knowledge
Access
Communication
Insurance Claim
Claim Types We Handle
Claims
Interruption
What is an EUO?
An Examination Under Oath, often called an EUO, is a formal interview conducted under oath as part of an insurance claim. Insurance companies use EUOs to question policyholders about a loss before deciding whether to pay a claim. Unlike a casual phone call with an adjuster, an EUO is recorded, sworn testimony that can be used against a policyholder later.
Most property insurance policies require cooperation with an EUO request. Failure to comply with a valid EUO request may jeopardize coverage or affect the policyholder’s ability to pursue a lawsuit, depending on the policy language and circumstances. At the same time, inaccurate, incomplete, or inconsistent EUO testimony can create additional coverage issues. We help policyholders understand what an EUO is, why it was requested, and what to expect before they ever sit down with the insurance company’s attorney.
What Happens During an EUO?
Answer Questions Under Oath About Your Insurance Claim
Provide Documents Related to Your Property and Loss
Explain the Events Surrounding Your Claim
Receive Guidance to Help Avoid Mistakes That Could Impact Your Benefits
How It Works
Free Confidential EUO Consultation
We review the EUO demand, obtain preliminary information about the policy and claim, and explain the insurer’s request and the next steps. The scope of the initial consultation may vary depending on the information available.
EUO
Preparation
We prepare the policyholder for issues likely to come up, including questions about the loss, the property, prior claims, and finances. We make sure the policyholder understands their rights during the examination.
Representation at the EUO
Attorney Harmon attends the EUO with the policyholder, provides legal advice, addresses appropriate questions concerning privilege and the scope of the policy’s requirements, and preserves appropriate objections in the record.
Why Choose
Henri O. Harmon
Your Trusted EUO Advocate
Henri O. Harmon is an attorney with approximately 20 years of litigation experience, including insurance coverage disputes, complex commercial litigation, and multi-district litigation. He is a graduate of Michigan State University College of Law, where he graduated cum laude and completed the Trial Practice Institute.
Mr. Harmon has litigated in state and federal courts across Michigan, Maryland, Texas, New York, Colorado, Illinois, and California. His prior corporate-defense and litigation experience gives him insight into how institutional parties and their attorneys prepare for sworn testimony and disputed claims.
- Michigan EUO Focused Representation
- Personalized Attorney Attention
- Strategic EUO Preparation
Do not face it alone.
Schedule a free confidential EUO consultation with Attorney Henri O. Harmon today and find out what your rights are before you sit down with the insurance company.
Frequently Asked Questions
1. What is an Examination Under Oath in an insurance claim?
An Examination Under Oath is a formal, sworn interview that an insurance company can require as part of investigating a claim. The testimony is recorded and becomes part of the claim file. It may be considered in the insurer’s coverage decision and may also become relevant in later litigation.
2. Can I refuse to attend an EUO?
Most policies require cooperation with an EUO request as a condition of coverage. Refusing to attend may give the insurer a basis to deny the claim, so it is important to speak with an attorney before responding to the request.
3. Do I need a lawyer for an Examination Under Oath?
An attorney can help you understand the policy’s requirements, prepare for likely areas of questioning, attend the examination, provide legal advice, and address appropriate issues concerning privilege and the scope of the examination.
4. How long does the EUO process take?
The process varies by insurer and claim complexity, but preparation typically begins as soon as the EUO letter is received and continues through the date of the examination itself.
5. What happens after the Examination Under Oath?
The insurance company reviews the testimony along with the rest of the claim file before making a coverage decision. An attorney can help address any follow-up requests and respond if the claim is delayed or denied.
Clients Across Michigan
Henri O. Harmon proudly represents homeowners, property owners, and business owners throughout Michigan who need experienced legal guidance during the Examination Under Oath (EUO) process.
