Claims · Insurance Term
Examination Under Oath (EUO)
Definition
An examination under oath (EUO) is a formal, recorded interview in which an insurer questions you under oath about a claim. Most property policies let the insurer require one, and refusing to cooperate can put the claim at risk. You can usually bring your own attorney.
In Plain English
An EUO is a policy condition and part of your duties after loss. A court reporter records your answers while the insurer's attorney asks about the loss, your finances, your records and the property. The insurer may also ask for documents before or after the session.
Insurers often request an EUO for large, complex or unusual claims, or when they have questions about the facts. Being asked to give one does not by itself mean you are suspected of fraud.
Prepare by gathering records and reviewing your proof of loss and claim file. Answer truthfully, and say so when you don't know something. Many owners bring an attorney, and for legal questions about an EUO you should consult one.
Not sure how your policy handles this? Have us review it, or get a quote.
Example
Hypothetical and simplified: After a fire at a vacant restaurant building, the insurer requests an EUO. The owner brings financial records, lease documents and repair invoices, and answers questions for three hours. The insurer then completes its investigation and makes a coverage decision.
What to Watch For
- Ask for the request in writing, including the date, place and documents wanted.
- Review your own claim documents before the session.
- Ask for a copy of the transcript to review.
- Consider having your own attorney present.
Last updated October 14, 2026 · Primesure editorial team · How We Write