Insurance Claims
We Handle the Insurance Paperwork So You Don't Have To
Direct billing to most major carriers, Xactimate-format scopes, and on-site documentation. You focus on your home, we handle the claim.
How the claim works
Most Salt Lake City-area homeowners have never filed a major property claim before. Here is the four-step path from loss to repaired home.
Call us first
We dispatch a crew 24/7 to stop the loss from spreading. Water extraction, board-up, and containment start immediately.
We document everything
Photos, moisture maps, room-by-room scope in Xactimate format - the language adjusters use. Your file is ready before the adjuster even calls.
You file the claim
Call your carrier within 24 hours and give them our scope and photos. We can join the call or meet the adjuster on-site if you want.
We bill the carrier
You pay your deductible, we invoice your insurance company directly for the rest. One vendor from mitigation through reconstruction.
What is covered (and what isn't)
Standard Utah homeowner policies typically cover sudden, accidental property damage. Coverage decisions are policy-specific, but here is the usual breakdown.
Usually covered
- Burst pipe or sudden plumbing failure
- Appliance overflow (washer, dishwasher, water heater)
- Fire and smoke damage
- Wind-driven rain and storm intrusion
- Sewage backup (with backup endorsement)
- Vehicle impact or vandalism
Usually NOT covered
- Flood / rising surface water (separate NFIP policy required)
- Long-term slow leaks or gradual seepage
- Mold from unaddressed maintenance issues
- Wear, tear, and deferred maintenance
- Earth movement and groundwater intrusion
FAQ
Insurance Claim FAQ
Active loss right now? Call us first, then your carrier.
We're available 24/7 across Salt Lake City and Salt Lake County. Call now or request a free estimate.