Posts by Clint Scott
Fire Insurance Claims – What to Do Before and After Your Loss
In order to ensure you are adequately protected in the wake of significant fire damage to your home or property, it is essential first and foremost to buy and maintain property insurance. Make sure that your policy provides protection for your various assets and that the coverage amounts are sufficient. Secondly, be sure to keep…
Read MoreWhy You Have to Give an Examination Under Oath (EUO)
Insureds, or policyholders, get letters generally from an insurance company requesting that an examination under oath be taken. An insured has to appear for the examination under oath. There’s a cooperation clause contained within almost every policy of insurance that requires an insured, as part of his obligations under the policy, to cooperate in the…
Read MoreWhat Is Contents Coverage?
Contents coverage is found in both homeowners’ policies and commercial policies. In a commercial policy it’d be called business personal property. In a homeowner’s, claim we would simply call it contents or personal property. That is the items that the insured owns, that are not attached to the real estate, for which there’s a separate…
Read MoreDocument Production for an Examination Under Oath (EUO)
The documentation related to an examination under oath is going to be set out in the letter from the insurance company’s attorney, on what they want you to bring. That information can go as far as bank records, credit card statements, cell phone records, utility bills, tax returns. The first thing that an insured says…
Read MoreWhat Are Insurance Examinations Under Oath?
An examination under oath is a formal proceeding that insurance companies use to investigate an insured’s claim. The insured should review any request for an examination under oath (EUO) with an experienced Tennessee insurance lawyer, because the insurance company will often try to use the EUO to deny a claim, reduce the amount that should…
Read MoreHow Can GRMB Help You with an Examination Under Oath (EUO)?
McWherter Scott & Bobbitt can help any policyholder insured – whether it’s a personal property claim, whether it’s a structure homeowner’s claim, or a commercial claim – prepare for the Examination Under Oath by assisting and gathering the documents, getting the Examination Under Oath scheduled at a time and a date that works for the…
Read MoreJudge Rules that Failure to Provide Notice to Insurers of Bank Means No Coverage
If you ever wanted to see an illustration of the how the vagaries of insurance terminology can be used against even large companies, look no further than a recent ruling against First Tennessee Bank. In order to understand why that ruling matters to policyholders, we need to look at the original case against the bank.…
Read MoreWhat Is an Examination Under Oath?
An examination under oath, or an EUO, is something that an insurance policy gives the insurance carrier the right to do. It gives them the ability to investigate your claim, where they’re going to sit down, most likely with a lawyer. That lawyer for the insurance company’s going to ask a series of questions to…
Read MoreIssues that Arise with Contents Coverage
Contents coverage brings with it several issues that seem to arise. Number one is the inventory. The insurance company will inevitably ask the insurer to write out what they have and what they had at the time of the loss, and place a value on it and approximate the age. Oftentimes, the insurance company doesn’t…
Read MoreWater Damage and Tennessee Insurance Claims
Water damage is a leading cause of property damage claims, right behind fire damage. It can be caused by a burst pipe, a sprinkler systems malfunction, a tree limb that crashes through a window in a storm, water overflow from a neighbor’s property, and so on. The cost to repair the damage can be steep,…
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