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Nearly all insurance policies contain a clause entitling the insurer to take an examination under oath (EUO) of the insured. In North Carolina, the provision is most commonly invoked in the context of homeowner’s insurance claims. For the vast majority of property damage and personal property claims, the insurer will
Homeowners, building owners, general contractors, and sub-contractors often hope to rely on commercial general liability policies to protect everyone from problems with faulty construction work or materials. Although insurers try to exclude such damages from coverage, North Carolina law does provide some protection to the insured contractors and the damaged
When you purchase homeowner’s insurance, you expect to be protected from financially crippling property damage and third-party liability. Unfortunately, insurance companies frequently put their interests before their insureds. They will look to stretch the meaning of exclusions or find other ways to avoid their duty to provide coverage. If your homeowner’s
