How To Prepare For a Recorded Statement

By Ricky K. Patel,Esq. 

Is your insurance company requesting that you give a recorded statement? You may be wondering if you are required to submit to a recorded statement. Generally, the answer is yes. Coverage under a property insurance policy is generally subject to a number of policy conditions, giving a statement can be one of those conditions. However, some policies are silent and don’t have this requirement.

To help you through this process, here’s a list of tips that you should keep in mind when preparing for a recorded statement:

Be Cooperative

When giving a recorded statement, try to be helpful help to the insurance representative. Not only do you have a legal duty to do so, but this will also help to ensure that your claim is resolved in the most efficient manner possible.

Watch What You Say

During the recorded statement, the insurance adjuster may ask questions that you simply do not have an answer for. Do not try to answer these types of questions if you are speculating. Your only obligation is to share the facts that you know about the loss. While you should cooperate when giving a recorded statement, it is also important to remember that the insurance company can use what you say against you should a legal dispute arise.

Don’t Lie

You should never lie or mislead the insurance company in any way. If you do, it could lead to your claim getting denied outright. Lying to the insurance company may be fraud. Tip: Insurance companies share information, so any prior claims or accidents are probably already known to them.

Feel Free to Stop the Questioning

If you feel hostility coming from the insurance company, or if you feel that you are having trouble understanding any of the questions, you can (and should) stop the questioning. You can tell the insurance company representative that you do not feel comfortable answering any more questions without first consulting with a legal professional. It is your right to do so. 

FPJL will aggressively represent you to ensure you get the money you are owed without any further delay by the insurance company. Our team of attorneys have decades of experience providing affordable representation to Individual and Corporate policy holders facing a wide range of denied, delayed or underpaid insurance claim issues.

Contact our law firm today at (305) 300-3000 for a free consultation!