Another question about 2nd examination under oath for Insurance company after fire.?

Question

I gave a first examination under oath to the investigator from my insurance company shortly after my house fire because it was under investigation for arson (charges were filed.....not against me) the questions were mostly related to the investigation on the cause etc. I now have to give a second exam under oath to finish the claims process. My question is in relation to personal property, am I going to have to answer to each individual item and its worth? I was lucky enough to get a copy (thru my lawyer) of the inventory the insurance company did. It is VERY thorough. I plan to use that inventory to support my claim of loss. I am wondering if I have to answer questions bout each individual item listed? I dont have receipts and I cant remember how much things cost when I bought them Also, I would rather not talk about some of the items listed on the inventory from the master bedroom..personal and private items if you know what I mean. How does that all work?

Answer 1

You can tell them, "I'm really not comfortable discussing this item". Especially, for an example, if it's clearly a blow up doll or something sexual, they shouldn't be giving you grief about it.

Expect, however, for them to particularly ask about unusual, high value items, particularly how you established a value for them.

It's ok to not remember exactly how much you paid for an item, or when you got it. It might not be a bad idea to go in with the list, and if they ask you something you don't remember, say, "I don't remember, I'm going to refer to this list we made up before". A couple of those will put an end to that type of questioning.

Answer 2

My question to you is this.....why do you care????? I know it's an inconvenience, but I've read your posts about this and if I were your adjuster I'd be very concerned about the validity of your claim. If you had absolutely nothing to do with the fire, or with the person who started it, just calm down and don't worry about it.

Whenever a claim is under investigation, arson or not, you can be asked to provide an Examination Under Oath, as many times as necessary in order to assist the insurance company in preparation of settling, or not settling, your claim. No one knows what questions they are going to ask you except the insurance company.

Another question for you...why are you on Yahoo seeking answers instead of getting them from your lawyer?

Answer 3

Good luck...The insurance company probably will try to trim the list so payment is less...