Seeking Clarification on Roof Claim and EUO – Insuring My Confusion
Hi everyone, I could really use some guidance as I’m completely in the dark about home insurance matters. I’m sorry if I don’t use the right terminology!
My grandmother recently filed a roof claim with the help of a public adjuster. They managed the entire process, and her insurance company approved the claim, sending a check that was sufficient for her to replace the roof, which is what she expected. As far as we know, the claim was closed, and she hadn’t heard anything further from her insurer.
Now, a month later, her public adjuster reached out to let her know that an Examination Under Oath (EUO) is scheduled for two months from now. They mentioned that they would provide her with a decision regarding the claim after the EUO, but she hasn’t received any direct communication from her insurance company—no letters, no emails, nothing. The last correspondence was the notice about the claim being approved and closed.
I’m feeling quite perplexed because:
1. The claim was already paid and deemed closed—why is an EUO needed now?
2. Shouldn’t the insurance company notify her directly if they required an EUO?
3. What could this imply? Did the public adjuster handle something that my grandmother wasn’t informed about?
I would greatly appreciate any insights or if anyone has navigated a similar scenario. I just want to get a better grasp of what’s happening. Thank you in advance for your help!
It sounds like a confusing situation, but I’ll try to clarify a few things about roof claims and the EUO process.
EUO Purpose: An Examination Under Oath (EUO) is typically requested by an insurance company when they have questions or concerns about the claim that may require further investigation. Even if the claim was initially approved, the insurer might have reasons to obtain more information to ensure the claim was handled correctly or to verify details. Sometimes, this can occur due to suspicion of fraud or discrepancies in the information provided.
Communication: Ideally, the insurance company should notify your grandmother directly about the EUO if they’re the ones requesting it. However, in many cases where a public adjuster is involved, they may manage communication between the insurer and the homeowner. This doesn’t mean there’s anything wrong; it may just be their approach to handling the claim.
Next Steps: It’s essential to have clear communication with the public adjuster. They should explain why an EUO is necessary, what to expect during the process, and how it might affect the claim. It could be helpful for your grandmother to prepare questions for her public adjuster, so she feels more in control of the situation.
What This Means: It’s hard to say definitively why the EUO is needed without more context. It could simply be a routine follow-up procedure. If the public adjuster is reputable, they should be working in her best interest and should provide transparency about anything related to her claim.
Encourage your grandmother to reach out to her public adjuster for clarity. They should provide direction on how to prepare for the EUO and reassure her that it’s a common procedural step. If she feels uncomfortable, she might also consider consulting with an attorney who specializes in insurance claims for additional guidance.