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Quality Disaster Cleanup – Insurance Claim – Serving The Salt Lake City Metro, Including Provo, Orem, Ogden, and Layton, Utah


Water Damage Insurance Questions


Should I make an insurance claim?

Insurance policy documentsThere are many factors that a homeowner must take into consideration when deciding whether to make an insurance claim or to “pay out of pocket” when a water loss occurs inside the home. The most important step when making this determination is to correctly identify the full scope of damage caused by the water. Many people mistakenly think that simply sucking the water out of the carpet is sufficient for fixing a water damage problem. In reality the majority of problems caused by water are not readily visible on the surface. Water is absorbed in to building materials such as wood and sheetrock at rates as high as one inch per hour! This moisture although not visible becomes a breeding ground for mold. In order to find this hidden moisture special tools called moisture meters are needed to help identify all of the hidden pockets of moisture. Once all of the wet building material has been found you can decide whether or not the damage warrants placing a claim. You should be skeptical of any company that tries to force you into making a claim on your insurance without first visiting your home. While placing a claim is often times the best choice for a homeowner, that decision should not be made until a full understanding of the problem has been determined by a qualified technician. Quality Disaster Cleanup will come to your home for free and give you a FREE ESTIMATE and ANALYSIS of the damage so that you can then make an informed decision on whether or not an insurance claim is necessary. Click here to make an appointment.


What is the billing process?

Quality Disaster Cleanup has working relationships with all major insurance companies. This helps makes the difficulty of working through your individual insurance company much easier. In most cases we simply collect your deductible and then bill your insurance company directly. Most home owners have never placed a claim on their insurance policy before and by having us bill the insurance company directly you do not have to become an “insurance expert” to get things taken care of. Because we understand that having a water loss inside the home can be stressful Quality Disaster Cleanup also offers a customer support for any questions you may have Monday thru Friday 8 AM to 5 PM. Contact Us.

In the event that you do not decide to place a claim with you insurance provider we typically require 65% down to start a job. The remaining balance must be paid upon the completion of the project. This allows you to make sure the that the work has been completed to your satisfaction.


Can an insurance company tell me what restoration company to use?

It is against the law for your insurance company to stipulate what company you can or can’t use to correct and problem inside your home. Sometimes insurance companies will use veiled threats stating that they can guarantee that your loss will be covered if you do not use their recommended company. Their insistence for using “their recommended company” often benefits them more than you as the consumer. As a homeowner you always have the final say in selecting the company that will be working for you. Assuming that your loss is covered by your policy and the charges billed by your restoration company are “ordinary” and “customary” you have no need to worry! Quality Disaster Cleanup is recognized by all major insurance companies and uses acceptable billing practices recognized by all major insurance providers.


24 Hour Emergency Insurance Phone Numbers

We have working relationships with almost every insurance company in the Utah area. Because emergencies are never planned and often happen in the middle of the night when you can’t get in contact with your insurance agent we have provided a partial list of all major insurance carriers 24 hour emergency phone numbers:

  • Nationwide / Allied – 800-282-1446
  • Allstate – 800-639-7304
  • American Family – 1-800-692-6326
  • Bear River – 801-267-5099
  • Chubb – 800-252-4670
  • Colorado Casualty- 1-888-298-3778
  • Farm Bureau – 800-226-6383
  • Farmers – 800-435-7764 or 801-563-7300

  • Hartford – 800-811-4832
  • Liberty Mutual – 800-225-2467
  • Mutual of Enumclaw- (877) 425-2580
  • Philadelphia Insurance – 610-617-7900
  • Safeco- 800-332-3226
  • State Farm – 800-811-2356
  • Travelers – 800-227-1538 or 800-252-4633
  • USAA – 800-531-8222

Call Quality Disaster Cleanup for all of your Disaster Cleanup needs! Call us at (801) 436-5225 or fill out our online contact form.


Call us at 801-436-5225 or fill out our Online Contact Form.

Frequently Asked Questions

Commonly asked questions to a homeowner when they call in.

House with flood damage concept with water reflections.
If a wind storm comes through and rips shingles off my house is that covered by insurance?
In most cases yes, however always call your insurance provider to double check your policy.
If I'm cooking food and forget to turn the stove off and a fire starts do I have coverage?
In most cases yes, however always call your insurance provider to double check your policy.
What if weight of snow makes my roof collapse will insurance cover that?
In most cases yes, however always call your insurance provider to double check your policy.
If I drive my car through the garage is that covered?
In most cases yes, however always call your insurance provider to double check your policy.
If my neighbors tree falls on my house does their insurance cover it?
Typically no. You open a claim with your own insurance carrier. Consult your agent first.
Is Meth cleanup covered by insurance?
In most cases meth cleanup is not covered by insurance. Varies by insurance company, check with your provider.
Are frozen pipes covered by insurance?
In most cases yes, however always call your insurance provider to double check your policy.

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