Examinations Under Oath

Insurance policies generally contain policy conditions, which may require an insured to appear for an Examination Under Oath (“EUO”) when properly requested.  The insurance policy and Florida law dictate the purpose of an EUO and how it should be conducted by the insurer’s counsel.  At times, the EUO condition is abused by insurers and it can be important to have legal representation when appearing for an EUO.  STRUBLE attorneys represent insureds at EUOs and help them ensure compliance with the condition which could otherwise result in a denial of a claim.

The following are examples of some of the results we have obtained while representing policyholders in Examinations Under Oath.

Examination Under Oath – Claim Paid in Full

After our client reported a claim for property damage the insurance company requested an Examination Under Oath.  Ultimately, the insurance company asserted that a misrepresentation in the insurance application was made and denied the claim.  After filing suit, we forced the insurance company to reverse its wrongful denial and pay the entire amount claimed by our client.  Thereafter, we recovered our attorney’s fees and costs from the insurance company.

Examination Under Oath – $190,000

When our clients returned home from vacation they discovered that there home had flooded from a broken toilet valve. The insurance company contended that approximately $20,500 was the total amount owed. When its insureds attempted to challenge this payment, the insurance company began requested voluminous documents and EUOs. We were retained to represent the insureds at the EUOs and subsequently filed suit. The insurance company was ultimately forced to issue total additional payments in excess of $190,000.

Examination Under Oath – $130,000

STRUBLE, P.A. was retained to represent an insured in an EUO.  Following the EUO, the insurance company refused to honor the claim and a lawsuit was ultimately filed and STRUBLE, P.A. forced the insurance company to issue a payment of $130,000. 

Examination Under Oath – Claim Paid in Full

We were retained to represent an insured required to appear for an EUO.  Following the EUO, the insurance company denied the claim asserting that our client made misrepresentations related to the policy and claim. STRUBLE, P.A. ultimately filed a lawsuit and, despite the complete denial, forced the insurance company to pay the full amount claimed by our client.  The insurance company subsequently paid our attorney’s fees and costs incurred to overturn the denial.