If you file an insurance claim in California, your insurance company may ask you to attend an Examination Under Oath (EUO). This is a formal meeting where the insurer asks you questions about your claim. While it can feel scary, knowing your rights under California law will help you protect your claim.
What an examination under oath means in California
An EUO is a serious part of the claims process. In California, the right to hold an EUO is more than just a rule in your policy; state law often requires it. For example, California Insurance Code § 2071 gives insurers the legal right to question you under oath for fire insurance claims.
During the meeting, a lawyer for the insurance company will ask you questions about the damage, your property and your finances. A court reporter will record everything you say. This is not a casual chat. Your answers are sworn testimony, which means you are promising that everything you say is the truth. Insurers use EUOs to look for more details or to verify whether a claim is honest.
How to prepare and protect your claim
If you get a notice for an EUO, you must take it seriously. Under California law, you have a duty to cooperate with the insurance company. If you ignore the notice or fail to appear, the company may have the legal right to deny your claim entirely.
To prepare, gather your records, such as:
- Photos of the damage
- Receipts for items you lost
- Repair estimates from contractors
When you answer questions, be honest and clear. If you do not know the answer, it is okay to say, “I do not know.” Do not guess, as insurers can use even small mistakes to delay your payment.
Why getting help can protect you
You do not have to go through an EUO alone. California law gives you the right to have your own lawyer present during the meeting. An attorney may help you understand the questions and make sure the insurance company treats you fairly. Getting legal advice before you speak can give you peace of mind and help you get the settlement you deserve.