The insurance policy is a contract that governs the way that you and your insurance company interact. If you look at the fine print you’ll see that the contract for insurance places certain obligations on the insured. One of the most often used and little understood terms it was called a cooperation clause. This clause gives the insurance company the right to conduct a protracted and difficult investigation prior to deciding if you’re coming. These investigations can be very uncomfortable, and many clients express a feeling that they are being accused of something. Most often this clause is used to give the insurance company the right to conduct what is referred to as a statement under oath or examination under oath. In this proceeding, you are placed under oath and asked a series of questions that are of legal significance to your claim. Because there is a legal effect on everything that you say in this proceeding, we highly recommend that you have an attorney with you at all times. You also need to remember that you must cooperate with the insurance company, or else you risk voiding your insurance coverage entirely. 

During the course of this investigation the insurance company will ask you a variety of questions that they think will help him determine whether or not the loss is covered. However some of these questions can seem unrelated to the claim. For example insurance companies will often ask for your personal banking records, your cell phone records and the like. Due to your duty to cooperate, it’s not advisable to ignore these requests. In general the insurance investigation process look:something like this timeline.