When your insurance company underpays, delays, or denies a Utah property claim, William J. Addis represents you — never the insurer — to recover what your policy actually owes.
Utah policyholders deal with everything from canyon wind events to alpine snow loads to wildfire exposure. Each loss type carries its own documentation requirements and policy traps.
Common Utah claim types we handle: wind damage along the Wasatch Front; hail across the valleys; heavy snow and ice losses; wildfire claims.
Utah’s combination of mountain weather and rapid suburban growth produces a steady stream of property damage claims that carriers often handle generically.
Important Utah disclosure
This page is an advertisement and a solicitation for public adjusting business by William J. Addis, licensed public adjuster (individual license #1084108). If you have an existing claim and are satisfied with your insurance carrier's offer, you may disregard this advertisement. Hiring a public adjuster is your choice — you have the right to negotiate your own claim, hire an attorney instead, or proceed without representation.
William J. Addis is licensed as a non-resident public insurance adjuster in Utah (license #1084108).
Public adjuster fees, contract terms, cancellation rights, and conduct standards are regulated by Utah law. Before signing any public adjuster contract, you have the right to review the contract terms, ask questions about the fee structure and services, and seek independent legal advice if desired. Utah requires written contracts for all public adjusting services; you should never pay a public adjuster before claim settlement, and you should never sign a contract that doesn't clearly state the fee.
Past results described on this website reflect outcomes achieved in specific prior claims; they are not guarantees, predictions, or warranties of future outcomes. Each claim is unique, and the outcome depends on the policy language, the facts of the loss, the carrier's position, and other factors that cannot be predicted in advance. Resolution Claims Consulting, LLC is licensed as a public adjusting firm in Illinois, Rhode Island, Colorado and Minnesota. In Utah, services are provided by William J. Addis under his individual license. We are not attorneys and do not provide legal services. If your claim involves a legal dispute that requires litigation, we may recommend you consult with a licensed attorney.
Verify our license through the Utah insurance regulator. License lookup links and contact information for the Utah insurance department are available on our Legal Disclaimers page.
Utah's loss profile differs from the storm belt and the hurricane coast. The state sees fewer hailstorms and tornadoes than the Midwest, fewer hurricanes than the Gulf, and a different mix of perils — wildfires, wind events, snow load, ice damage, and seismic exposure.
The events driving Utah claim work:
Wildfire exposure. Utah's interface between developed areas and wildlands creates significant wildfire risk, particularly along the Wasatch Front. Fire claims involve the full coverage stack — dwelling, contents, additional living expenses, code-upgrade coverage, and ordinance and law.
Snow load and ice damage. Utah's mountain communities (Park City, Wasatch Back) face significant snow load events that can stress roofs, decks, and aging structures. Ice dam events produce water intrusion damage. Coverage typically applies but causation arguments are common.
Wind events. Utah experiences sustained wind events that damage roofing, siding, fences, and trees. Coverage typically applies.
Seismic exposure. Utah is one of the most seismically active states. Most homeowners policies exclude earthquake damage, requiring a separate endorsement or DIC policy. Most Utah homeowners don't carry earthquake coverage.
Flash flooding and water damage. Utah's mountain runoff and arid terrain produce flash-flood events, particularly in southern Utah. Standard homeowners policies don't cover flooding — requires NFIP or private flood coverage.
Hail damage. Utah hail events are less frequent than the plains states but can produce significant damage when they occur.
Utah's insurance market is comparatively stable. The state hasn't faced the availability crisis affecting California and Nevada, though wildfire risk is increasing.
Wildfire claims expose underinsurance, code-upgrade gaps, and ALE shortfalls. Many Utah homeowners discover after a total loss that their dwelling coverage is far below current rebuilding costs.
Smoke damage in homes that don't burn is often settled as a cleaning claim rather than restoration. Smoke contamination affects HVAC, contents, soft goods, and porous structural components.
Heavy snow loads can collapse decks, garages, and aging roofs. Ice dam water damage is typically covered but carriers contest causation.
Sustained wind events damage roofing systems. Carriers regularly attribute storm damage to wear and tear, particularly on older homes. Documentation matters.
Frozen pipe events in mountain communities and second homes. Coverage hinges on occupancy and heat-maintenance arguments.
Utah earthquake coverage is typically a separate endorsement or DIC policy with high deductibles (often 10-15% of dwelling value). Coverage triggers, deductibles, and scope require careful interpretation.
Utah regulates public adjusters under Utah Code Annotated Title 31A, Chapter 26 (Insurance Adjusters), enforced by the Utah Insurance Department. Key requirements:
Utah's framework is comparatively light on consumer-protection guardrails. The state does not have unusual restrictions or unique requirements. Verify any adjuster's license through the Utah Insurance Department before signing.
Utah's largest homeowners insurance writers include:
Most Utah property insurance policies require prompt notice of loss. The suit-limitation period for filing a lawsuit on a denied claim varies by policy — typically 1-2 years from the date of loss. Don't assume your claim is past the deadline without checking the specific policy.
Generally yes — fire damage (including wildfire) is covered under standard Utah homeowners policies. Coverage applies to dwelling, other structures, contents, and additional living expenses. Total losses involve careful documentation of dwelling-coverage adequacy, code-upgrade requirements, and ALE entitlements.
Generally no — earthquake damage is excluded from standard Utah homeowners policies. Coverage is available through a separate endorsement or DIC (Difference in Conditions) policy. Utah earthquake coverage typically has high deductibles (10-15% of dwelling value), which means the deductible can exceed actual damage in smaller events.
Snow load damage to roofs, decks, and aging structures is typically covered under standard Utah homeowners policies as "weight of ice and snow." Coverage applies to building damage caused by the snow load itself. Carriers may contest claims on older structures by arguing maintenance issues or wear and tear contributed to the failure.
Utah does not impose a statutory fee cap on public adjuster compensation. Resolution Claims Consulting works on contingency only — a percentage of the recovery, agreed in writing before work begins.
Utah's non-renewal activity has been less aggressive than California or Nevada, but increasing. Options include shopping the standard market, considering surplus lines coverage, or in extreme cases, exploring fair-access programs. If you have an active claim during the non-renewal period, the carrier remains obligated to handle it under the in-force policy.
Only if they hold an active Utah public adjuster license. Most roofers and contractors don't hold this license. Verify any adjuster's license through the Utah Insurance Department before signing anything.
The statutes, dollar figures, weather event data, regulatory rules, and market information cited on this page are drawn from the following sources. Information is current as of the date this page was last updated; insurance regulations and market data change — verify current rules with each state's Department of Insurance before relying on them for any specific claim or decision.
Tell us briefly what happened. We will review your policy and the insurer’s offer, then tell you straight whether there is more to recover — and how much.
This website advertises public insurance adjusting services. In Colorado, Illinois, Minnesota, and Rhode Island, services are provided by Resolution Claims Consulting, LLC, a licensed public adjusting firm. In Kansas, Kentucky, Missouri, Nebraska, Nevada, Ohio, Oklahoma, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Washington, and Wisconsin, services are provided by William J. Addis as an individually licensed public insurance adjuster. Kentucky law currently bars public adjusters from negotiating with insurers (KRS 304.9-4331(7)), so we are not accepting Kentucky claims at this time. Both Resolution Claims Consulting and William J. Addis work only on behalf of policyholders and represent no insurance company. Public adjusters are not employees of any state, federal agency, or insurance carrier. Public adjuster services are not free; fees are paid by the insured, typically as a percentage of the recovery agreed in writing before work begins, and are subject to applicable state fee caps and statutes.
All recovery amounts, case studies, and settlement figures shown on this site reflect actual outcomes achieved by Resolution Claims Consulting, LLC for past clients. Client and carrier identities have been anonymized. Past results do not guarantee, predict, or imply any specific outcome on a future claim. Each insurance claim is unique. Outcomes depend on the policy language, the facts of the loss, applicable state law, the carrier's position, and many other factors that vary case to case.
Resolution Claims Consulting, LLC — Firm NPN 20764010. Licensed as a public adjusting firm in 4 states: Colorado #803346, Illinois #3002593563, Minnesota #40893260, Rhode Island #3003758028. Resolution Claims Consulting, LLC does not hold firm licenses in other states. William J. Addis — Individual NPN 18667143. Licensed as an individual public adjuster in 18 states: CO #559485, IL #18667143, KS #18667143, KY #1076611, MN #40771302, MO #8428075, NE #18667143, NV #3876040, OH #1743364, OK #3001586244, PA #1262857, RI #3003745104, SC #18667143, TN #3003380591, TX #2784759, UT #1084108, WA #1320332, WI #18667143. All licenses verifiable through each state's department of insurance public license lookup.
Every state's Department of Insurance offers free consumer assistance with insurance claims and disputes — you are not required to hire a public adjuster to file or pursue a claim. Contact your state Department of Insurance directly if you have questions about a claim or about working with a public adjuster.
