Recorded Statement VS Evaluation Under Oath

1
Recorded Statement VS Evaluation Under Oath
Sometimes insurance claims are not clean cut.
Oftentimes the adjuster will have questions that
you might feel are invasive. In some claims
there is a recorded statement or an evaluation
under oath. We typically see this for fire or
theft claims. The purpose of a recorded
statement or an evaluation under oath is for the
insurance company to gather information related
to you and your insurance claim.
A recorded statement is usually conducted by the
insurance staff adjuster. This is generally a
list of questions the adjuster goes through with
you while the conversation is being recorded. You
do not need an attorney or public adjuster for
this. However, we recommend consulting a public
adjuster so that you are prepared for the types
of questions and how to answer them to not harm
yourself or your insurance claim.
2
An evaluation under oath (EUO) is generally
conducted by an attorney for the insurance
company and recorded or transcribed by a court
reporter. We recommend you have your own
attorney for this. An evaluation under oath is
exactly that, under oath. You must be truthful
in the information you provide as it can be used
in legal proceedings should your insurance claim
go that route. Your attorney will help prepare
you for the types of questions that will be
asked and will be present for the EUO to keep
the questions claim related. EUOs happen because
the insurance adjuster has concerns with claim
coverage and need certain information to make
their determination. While both of these can
seem frightening, they are meant to gather
information and investigate insurance claims.
Recorded statements are more common to occur
whereas an EUO could mean the adjuster needs
clarification on parts of the claim or they are
suspicious of fraudulent activity. If an insured
is found to be involved with causing the loss to
occur, the claim will be denied and the insured
could face criminal charges. If your adjuster
has requested either one of these, call your
local trusted public adjuster to guide you
through this process.