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Insurance after water damage in Utah

Burst pipes are typically covered.1 Backed-up sewers, flood, and storm water that gets in without roof or wall damage usually are not, under most standard Utah policies.2

Last reviewed October 24, 20264 sources, numbered in the textSee sources

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The Utah insurance gap

What most Utah homeowners policies leave out

From the Utah Insurance Department and Triple-I. Read your own policy; some insurers sell endorsements that close these gaps.2

Usually covered

  • Wind, wind-driven rain, falling trees or objects, and roof or structure collapse from the weight of ice or snow.2
  • Burst pipes are typically covered under homeowners and renters policies.1

Usually not, without extra cover

  • Backed-up drains or sewers.2
  • Flood damage, and interior water damage from a storm when the roof and walls are undamaged.2
  • Frozen pipes, if the cause is negligence such as not keeping the house heated when you could.2

Claim and dispute, in order

  1. Call your insurer or agent as soon as possible, photograph the damage, make temporary repairs and keep receipts.2
  2. No permanent repairs until the insurer has inspected and you have agreed on the cost.2
  3. Get written, line-item bids from licensed contractors before the adjuster arrives.4
  4. If you cannot live in the home, ask about additional living expenses and keep receipts.4
  5. In a dispute, call the Utah Insurance Department. It cannot force a settlement but can often resolve problems through its investigation.2

Utah Insurance Department

How this works

What happens when you call

It is free to call, and calling commits you to nothing.

  1. A woman on the phone at the foot of the basement stairs, looking at a wet patch on the carpet.
    1

    You call

    Tell them what happened and where. Have the address ready.

  2. 2

    We connect you

    A call network puts you through to an independent local restoration company that serves Salt Lake City and is taking calls.

  3. A technician crouches by a basement floor drain, explaining what she sees to the homeowner beside her.
    3

    They assess and quote

    If you want a visit, they look at the damage and quote their own price. Ask for it in writing.

We are a free referral service, not a contractor. The company that answers sets its own prices. How this service works

An older couple on the front step of their brick rambler talk with a technician, the Wasatch peaks behind them.

Want a local company to look at it?

Free to call. An independent restoration company that serves Salt Lake City answers, and you decide what happens next.

Call (801) 577-3288

Salt Lake Water Damage Advice is a free referral and information service, not a contractor. Calls go through our call-tracking line to independent local restoration companies, and we may be paid when a call qualifies. We do not do the work and do not set prices or availability. How it works

Sources

Each numbered note on this page points here. We read every page on October 24, 2026. Where sources disagree we say so; where we could not find a source we left the claim out. We are not affiliated with any of these organizations.

  1. Triple-I (Insurance Information Institute), How to protect your home from water damage. No date shown (page copyright 2026). www.iii.org/article/how-to-protect-your-home-from-water-damage
  2. Utah Insurance Department, Home Claims Information. No date shown. insurance.utah.gov/consumers/home-insurance/home-claims-info/
  3. Triple-I (Insurance Information Institute), Facts + Statistics: Homeowners and renters insurance. Figures for 2019-2023 (citing ISO). www.iii.org/fact-statistic/facts-statistics-homeowners-and-renters-insurance
  4. Triple-I (Insurance Information Institute), Settling insurance claims after a disaster. No date shown (page copyright 2026). www.iii.org/article/settling-insurance-claims-after-a-disaster
Call (801) 577-3288Free service. We'll connect you with a local restoration company. How it works