Water Damage Insurance Claim Denied in Utah? Here’s What to Do Next
Few things are more frustrating than dealing with water damage — only to have your insurance claim denied. Unfortunately, it happens more often than most Utah homeowners realize. But don’t panic: there are steps you can take to fight back and possibly recover your losses.
In this article, we’ll explain the common reasons claims get denied, how to dispute them, and how Pure Flow Water Damage & Restoration can help you turn things around.
🚫 Common Reasons Water Damage Claims Get Denied
- Gradual damage – Slow leaks or long-term issues are usually considered maintenance problems, not covered events.
- Mold not covered – Unless your policy includes mold protection, your provider may deny this part of the claim.
- Negligence – If they believe the damage could’ve been prevented, your claim may be denied.
- Lack of documentation – Missing photos, receipts, or reports can hurt your case.
- Wrong cause listed – For example, flooding from the ground up is not covered by most homeowners policies (you’d need flood insurance).
💡 See how to properly document water damage to support your claim.
🧾 Step-by-Step: What to Do After a Denied Claim
- Review your policy – Look for clauses on water damage, mold, and exclusions.
- Request a written explanation – Ask your provider to clarify why your claim was denied.
- Gather more evidence – Photos, moisture readings, receipts, expert opinions.
- File an appeal – You may be able to formally challenge the decision.
- Bring in a restoration expert – We’ll inspect and write a professional damage report to support your appeal.
📍 We Help Utah Homeowners with Denied Claims
Pure Flow works directly with homeowners and their insurance providers across Riverton, Draper, South Jordan, Herriman, and Bluffdale. Our team provides:
- ✔️ Professional water damage assessments
- ✔️ Moisture readings and drying reports
- ✔️ Photo documentation and timelines
- ✔️ Direct communication with insurance adjusters
💡 If your claim was denied due to “gradual damage,” we’ll help prove that the damage was sudden and accidental if possible.
🔁 What If the Appeal Is Still Denied?
If your appeal is unsuccessful, you may still have options:
- 📞 Speak to a public adjuster
- 🧑⚖️ Consult a legal professional for high-value losses
- 💡 Use financing or payment plans for emergency cleanup and repair
Contact Pure Flow to learn about our flexible emergency restoration plans.
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