The Utah Insurance Department released guidance on July 1, 2026, outlining critical steps for homeowners and renters to follow when filing insurance claims after disasters such as wildfires or windstorms. The department emphasized the necessity of immediate documentation and temporary repairs to protect property from further damage during high-stress recovery periods.
Immediate Post-Disaster Actions
According to the Utah Insurance Department, the period immediately following a disaster is often characterized by significant emotional and financial stress. To mitigate further loss, the department advises residents to make temporary repairs or hire qualified professionals to secure their property. Homeowners are instructed to take photographs of all damage and remove personal belongings if a home cannot be safely secured.
A critical warning from the department notes that property owners should not dispose of any damaged items until an insurance adjuster has conducted a formal review for the claim. While many policies may offer reimbursement for costs related to storing property during repairs, maintaining strict records is essential for successful recovery.
Managing Living Expenses
For those able to remain in their homes, the Utah Insurance and Department recommends consulting with insurance agents regarding critical repairs that must be addressed immediately. The department stresses that all receipts for materials and labor must be saved to support future claims.
In cases where residents are forced to seek alternative lodging, the department advises keeping meticulous records of all expenses. While homeowners and renters insurance generally provide limited coverage for additional living expenses—including meals, rent, utility installation, and transportation—the burden of proof remains with the policyholder.
The Claims Reporting Process
The process of reporting a claim is significantly streamlined if the policyholder can quickly locate their insurance policy and a detailed home inventory. The Utah Insurance Department notes that most insurance providers enforce specific time requirements for filing claims, making prompt action vital.
When initiating a claim through a company or a mobile claims center, residents will be required to list every item that has been destroyed, damaged, or lost. For those lacking a pre-existing home inventory, the department suggests conducting a room-by-room assessment from memory, providing as much detail as possible, including brand names, models, purchase dates, and costs.
Adjuster Oversight and Disputes
The department clarified that insurance companies will typically dispatch an adjuster to survey damage at no cost to the policyholder. While public adjusters are available, the department warns that homeowners would be responsible for any fees associated with hiring them. Residents are encouraged to verify that any independent adjuster is licensed with the Utah Insurance Department and to check their professional references.
Furthermore, the department advises against feeling rushed or pressured into accepting a settlement agreement. If disagreements arise between the insurer and the policyholder, the Utah Insurance Department can assist in determining if arbitration or mediation is an appropriate path for resolution.
Payment Structures and Vehicle Coverage
Financial disbursements for claims may arrive in multiple stages. The initial payment is often an emergency advance intended to cover immediate needs, such as additional living expenses. While payments for personal property and living costs are typically issued directly to the resident, payments regarding the structure itself may be made payable to both the homeowner and their mortgage lien holder. In such instances, lenders may place funds into an escrow account to ensure repairs are completed properly.
Regarding vehicle damage, the department noted a specific distinction in coverage: if a car is damaged while located inside a garage or carport, the loss is covered under an automobile policy rather than a homeowners policy. If the resident maintains separate companies for these two types of coverage, they must file individual claims with both providers.
Contractor Fraud Prevention
The Utah Insurance Department issued several warnings regarding fraud and contractor selection following a disaster. Homeowners are urged to check the licensing and references of any contractor chosen for repairs and must insist on written estimates before work begins. The department specifically advises against signing contracts before an adjuster has examined the damage or paying a contractor the full amount upfront.
Additionally, if a contractor discovers hidden damage that was not identified during the initial adjustment, the homeowner should contact their insurance company to resolve the discrepancy.
Coverage Exclusions and Flood Risks
The department highlighted significant gaps in standard coverage, noting that neither homeowners nor renters policies typically cover damage from floods or earthquakes. Regarding flood risks, the department pointed out that more than 70% of flooding in Utah over recent years has occurred outside of designated Special Flood Hazard areas. Common causes such as storms, melting snow, hurricanes, or broken water mains are generally excluded from standard policies.
Because flood insurance policies typically require a 30-day waiting period before they take effect, the department advises residents to purchase coverage well in advance of a potential event. For damages that exceed available policy limits, the department noted that federal agencies may occasionally provide grants or low-interest loans to assist with long-term recovery.
