Examination Under Oath Michigan: What to Expect and How to Protect Your Claim
If your insurance company has scheduled an Examination Under Oath in Michigan, your financial recovery is now at risk. These proceedings are not routine. They are high-stakes legal interrogations—conducted by the insurer’s attorney, recorded word-for-word by a court reporter, and designed to uncover any reason to reduce or deny your claim.
Whether you’re a business owner managing a large commercial loss or a homeowner protecting substantial assets, this is not the time to go it alone. At Fabian Sklar King & Liss, we’ve prepared hundreds of clients for EUOs—preserving their credibility, blocking insurer overreach, and recovering millions on their behalf. Our job is to protect you before, during, and after the EUO. Your job is to call us before it’s too late.
What Is an Examination Under Oath?
An Examination Under Oath (EUO) is a sworn legal proceeding where an insurance company’s lawyer questions you, the policyholder, under oath. A court reporter transcribes the entire session. The goal? To investigate your claim and potentially uncover inconsistencies that justify denying it. Unlike a simple interview, your statements are binding—missteps can cost you your entire recovery.
Most Michigan insurance policies include a cooperation clause that makes attending an EUO a condition of coverage. That means if you refuse or fail to comply, your insurer can deny the claim outright. It’s not optional—and it’s not something to face alone.
Why Insurance Companies Demand EUOs
- To find inconsistencies between your documents, recorded statements, and what you say under oath.
- To explore potential fraud, especially in large-loss or suspicious claims.
- To justify claim delays or denials based on non-cooperation or misrepresentation.
Insurers often use EUOs when a claim is large, complex, or simply doesn’t “add up” in their view. Business owners with property or interruption claims are particularly vulnerable. According to FEMA, business interruption disputes are among the most contested insurance issues post-disaster.
Your Rights and Obligations Under Michigan Law
What You Must Do
You are contractually obligated to attend the EUO, tell the truth, and supply all documents requested. Missing the EUO or withholding information gives the insurer a legal basis to deny your claim. Courts in Michigan consistently uphold this.
What You’re Entitled To
You have the right to:
- Bring an attorney to the EUO
- Receive fair notice and time to prepare
- Object to irrelevant or abusive questions
The Michigan Department of Insurance and Financial Services mandates fair conduct by insurers. But you need an advocate to enforce that fairness.
This is your opportunity to protect everything you’ve worked for. If you're scheduled for an Examination Under Oath in Michigan, contact Fabian Sklar King & Liss today. We’ll prepare you, guide you through every question, and stand between you and a wrongful denial. Business owners, executives, and high-net-worth homeowners across Michigan rely on us in moments just like this.
What to Expect During Your EUO
Before the Exam
The insurer will send a letter with the EUO date, location, and a list of documents you must bring—tax returns, bank statements, receipts, photos, purchase records, proof of loss, and more. Review all of it with your attorney. Disorganization or inconsistency gives them leverage to delay or deny.
During the Exam
You’ll be sworn in. Their lawyer will ask questions—some basic, some invasive. Everything is recorded. If you guess, speculate, or contradict yourself, you hand the insurer a reason to question your honesty. If you lie, the insurer can void your entire policy.
After the Exam
The transcript becomes part of your claim file. If they think you slipped up, expect delays or a formal denial. If it goes well, they may approve the claim or make a low offer. That’s when a firm like Fabian Sklar King & Liss can step in, negotiate, or sue if needed.
How Fabian Sklar King & Liss Protects You
We don’t just attend your EUO—we build your defense before it begins. We:
- Review all claim paperwork and documents for accuracy
- Coach you through expected questions
- Attend the EUO and object to improper questioning
- Handle all communication with the insurer
- Fight any denial or delay that follows
We’ve recovered millions for Michigan policyholders whose claims were delayed or denied after EUOs. See our Results page for examples of how we’ve forced insurers to pay when they didn’t want to.
Let our Decades of Experience help during your Examination Under Oath
Insurance companies use EUOs to protect their bottom line. You need someone protecting yours. Fabian Sklar King & Liss is Michigan’s most experienced property insurance firm—known for recovering high-value settlements for clients facing aggressive insurer tactics after major losses.
Call us now at 248‑553‑2000 or contact us online. We are here to help you get your business and life back.