Seeking Guidance on Roof Claim & EUO – New to Insurance Basics
Hi everyone, I could use some assistance as I’m really unfamiliar with how home insurance functions. I apologize if my terminology isn’t quite right!
Recently, my grandmother submitted a roof claim through a public adjuster. They managed the process, the insurance company approved the claim, and she received a check that was adequate for replacing the roof, which is what she expected. To my knowledge, the claim was finalized, and that was the last update from her insurance provider.
However, a month later, her public adjuster reached out to inform her that she has an Examination Under Oath (EUO) scheduled in two months. They also mentioned that afterwards, she would receive an “answer” concerning her claim’s outcome. The unsettling part is that she hasn’t gotten any direct communication from her insurance company—no letters, no emails, nothing at all. The last correspondence she received was the letter confirming the claim was both approved and closed.
I’m feeling a bit lost because:
1. The claim has already been paid and closed—why would an EUO be necessary at this point?
2. If the insurance company is requesting an EUO, shouldn’t they be contacting her directly?
3. What might this indicate? Did the public adjuster take actions that my grandmother wasn’t informed about?
Any insights or experiences similar to this would be greatly appreciated. I just want to make sense of the situation. Thanks so much!
It sounds like your grandmother’s situation can definitely be confusing, especially since the claim seemed to be concluded a month ago. Here are some thoughts on your questions:
Why would she need an EUO now?
An EUO can be requested by an insurance company for various reasons, even after a claim is closed. Sometimes, it’s used to clarify details related to the claim or verify information. This could potentially happen if the insurer has questions about the claim, the condition of the roof, or if they suspect any discrepancies. Even if the claim was initially approved, the insurer might have a reason for conducting further investigation.
Shouldn’t they notify her directly?
Typically, yes. Usually, the insurance company would communicate directly with the policyholder. However, since a public adjuster is involved, the adjuster may have taken the lead in communications on behalf of your grandmother. It’s important for her to reach out to her public adjuster for clarification on why an EUO is scheduled and what it entails.
What could this mean?
It’s hard to say definitively without more information. The EUO might not indicate anything negative; it could just be a standard procedure based on how things were handled. It’s also possible there were some follow-up questions that arose after the claim was closed. The public adjuster should be able to explain what led to the EUO and how they are preparing for it.
It might be helpful for your grandmother to discuss her concerns with her public adjuster directly and ask for more insight into what the EUO entails and what the next steps will be after it. Understanding the process can help ease some of the confusion and anxiety surrounding it. Good luck!