Property Insurance 101: Everything You Always Wanted to Know About Examinations Under Oath — But Were Afraid to Ask!
Release Date: 03/09/2026
Making the Policyholder Whole
Adjusting Today
In this episode, we explore the often-overlooked complexities of pair or set coverage and what it truly means to make a policyholder whole after a loss. When one item in a matching set is damaged — whether it’s flooring, cabinetry, roofing, or other connected materials — the impact can extend far beyond the single item itself. We break down how pair or set provisions work within insurance policies, the challenges policyholders face when matching materials are discontinued or impossible to replicate, and why these claims can quickly become points of dispute. Through practical examples and...
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Risk Assessment: Evaluating Coverage from a Loss Perspective
Adjusting Today
This episode emphasizes a critical shift in how risk should be evaluated: moving beyond simply estimating physical damage to fully understanding the real-world consequences that unfold after a loss. At its core, the discussion highlights that the true impact of a disaster—whether a fire, flood, or other event—extends far beyond repairing or replacing property. Businesses often face operational shutdowns, supply chain disruptions, damaged inventory, regulatory complications, and financial strain. By conducting a “what-if” walkthrough of a potential loss scenario, policyholders can...
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Sometimes It’s What the Policy Doesn’t Say That Counts!
Adjusting Today
This episode explores two critical—and often misunderstood—aspects of property insurance: how overly narrow policy language can unintentionally limit coverage, and the surprising flexibility within replacement cost (RC) claims. First, the discussion highlights a key risk: being too specific in defining the “named insured” or covered property can lead to denied claims. Through a real-world example, the episode shows how property owned by a related but separately named entity was excluded from coverage simply because it wasn’t explicitly listed in the policy. The takeaway is that...
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Property Insurance 101: Everything You Always Wanted to Know About Examinations Under Oath — But Were Afraid to Ask!
Adjusting Today
An Examination Under Oath (EUO) is a formal part of the property insurance claims process that many policyholders encounter only after a loss—often when questions arise about coverage or the circumstances surrounding the claim. In this episode, we break down what an EUO is, why insurers request them, and what policyholders should expect if they are asked to participate. Conducted under oath and typically recorded by a court reporter, an EUO allows insurers to gather detailed information about a loss and evaluate their obligations under the policy. The discussion explains common situations...
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Expecting the Unexpected Part of the Unexpected: Surviving Disasters - Natural or Otherwise
Adjusting Today
Disasters are unpredictable—but many of the challenges businesses face after a loss are not. In this episode, we explore how companies can better prepare for the often-overlooked consequences that arise during disaster recovery, particularly when insurance coverage doesn’t respond the way policyholders expect. Through real-world case studies, we examine situations where businesses encountered unexpected gaps in coverage—from looting following a storm to supply-chain disruptions, hazardous material disposal costs, and delayed revenue recovery after rebuilding. The conversation highlights...
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Proving Insured Loss: Policyholders Need Experts Too
Adjusting Today
When a major loss hits, proving the full value of your insurance claim can be just as challenging as recovering from the damage itself. In this episode, we explore why today’s complex property and business interruption claims often require policyholders to hire their own experts—and why that cost can come as an unwelcome second shock. Using real-world case studies, we break down how insurers rely on forensic accountants, engineers, and other specialists, and why policyholders increasingly need comparable expertise to achieve fair settlements. We also examine a critical—and often...
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Property Loss Professionals: Roles in Your Claim
Adjusting Today
After a major property loss, filing an insurance claim can feel overwhelming—especially when you’re suddenly responsible for proving the full extent of your damage. In this episode, we break down the complex world of property loss professionals and explain who’s who in the claims process, who they work for, and how they can help you recover. Drawing from a special edition of Adjusting Today and Adjusters International’s Property Loss Professionals guide, we walk through the key roles involved in a claim, including staff adjusters, independent adjusters, public adjusters, insurance...
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Property Insurance Claims: Negotiating Unfamiliar Terrain
Adjusting Today
When a disaster strikes, the damage is only the beginning - the insurance claim process can feel just as overwhelming. In this episode, we break down what policyholders need to know after a major loss, from the critical first steps to protecting your property, to common mistakes that can derail a claim. We explore why insurance claims are both cooperative and adversarial, how early decisions can impact your final settlement, and why having the right experts on your side matters. Whether you’re dealing with building damage, lost contents, or business interruption, this episode offers...
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Disaster Recovery Planning: Preparation is Key
Adjusting Today
Disasters don’t just happen “somewhere else” - they hit construction sites, office buildings, shopping centers, and even critical tech systems at the worst possible moment. In this episode, we break down why insurance alone often isn’t enough, and how a well-tested disaster recovery plan can be the difference between barely surviving and fully bouncing back. Using insights from Adjusters International’s Disaster Recovery Planning: Preparation is Key to Survival, we walk through real-world disruption scenarios, eye-opening statistics on rising catastrophe losses, and the four...
info_outlineAn Examination Under Oath (EUO) is a formal part of the property insurance claims process that many policyholders encounter only after a loss—often when questions arise about coverage or the circumstances surrounding the claim. In this episode, we break down what an EUO is, why insurers request them, and what policyholders should expect if they are asked to participate. Conducted under oath and typically recorded by a court reporter, an EUO allows insurers to gather detailed information about a loss and evaluate their obligations under the policy.
The discussion explains common situations that may trigger an EUO, including suspicious loss indicators, inconsistencies in claim details, or questions about coverage, financial motives, or policy conditions. It also clarifies how EUOs differ from depositions in litigation, highlighting key distinctions such as their contractual basis in the insurance policy, their role during the claim investigation stage, and the broader duty of cooperation required from the insured.
Listeners will also learn about the rights and responsibilities involved in the process—such as the importance of answering material questions, providing relevant documentation, and complying with policy obligations. The episode outlines potential consequences for failing to cooperate, including the possibility of losing coverage for the claim, while also discussing legal protections and limitations surrounding the process.
Ultimately, the episode emphasizes the importance of understanding policy provisions and preparing carefully for an EUO. By demystifying the process, it helps policyholders and professionals better navigate one of the most critical—and often misunderstood—steps in a property insurance claim investigation.