Typically, all homeowners and business owners’ policies contain provisions allowing an insurer to take the sworn testimony of one or all insured. This is a contractual provision and some courts have held that an insured’s failure to comply results in a breach of contract and the insurer will owe nothing for the claim. In our experience, in the vast majority of claims where an insurer requests such an examination, the insurer suspects fraud, either in the occurrence of the loss (such as arson), the claim (exaggerated), or the application (misrepresentation, concealment, etc.). In substance, if the policy so requires, you must attend the examination and bring the documents which you are reasonably required to bring. An examination under oath is usually a several-hour ordeal where you are questioned, under oath (a court reporter typically records the proceeding) about a broad range of issues. The examination is often conducted by an attorney representing the insurance company. Do not go to an examination under oath without competent, experienced legal counsel.