5 Disasters Not Covered By Insurance

5 Disasters in Utah Not Covered By Insurance

Lightning-House-Act-Of-God

Home insurance covers a wide variety of events and situations, both naturally occurring and things that happen at the hands of other people.

What isn’t usually covered are things that fall under the category of an “Act of God”,

which usually refers to something so unlikely or rare that an insurance company cannot properly account for it in their risk models. Home insurance premiums are kept at a reasonable rate because of these exclusions, which very few homeowners will ever need to deal with in the first place.

These five disasters are so rare for Utah that insurance will not cover them under a basic policy.

Floods

No standard homeowner’s policy will cover flood damage, which is why people who live in flood-prone areas often purchase add-on coverage for floods. Flooding is not a major concern in most areas, but when one does occur, the homeowner is almost always left footing the bill. Even in an area well away from a floodplain, heavy rains can cause water to seep into a basement, especially if your sump pump cannot keep up with the precipitation. This type of damage can take a couple of weeks to clear up and can cost several thousands of dollars depending on how severe the flood was.

Sewer Backups

It is rare for a sewer system to backup into a home in most cases, but when it does, it can cause a lot of problems. Homes connected to a city sewer system will generally never have this problem, even in the heaviest of rains. What is more common is a clog forming somewhere in the sewer line between the home and the main. This can be caused by tree roots growing into the pipe, or it can be caused by flushing too much down the drain in your home. Septic systems can also backup if they are not cleaned out on a regular basis, or if the leech field has become oversaturated.

Mold

Any kind of water damage can quickly lead to mold if it is not cleaned up properly and in a timely manner. Since mold is almost always the result of a homeowner’s own actions, even though it is unintentional, insurance companies will not pay to have it removed. Mold is most often found in bathrooms, especially if they are not well ventilated and contain a shower, but it can also be found quite a bit in kitchens and other areas that might have incidental contact with water. Depending on the size of the home, remediation can take a few days and cost more than $1,000.

Maintenance Damage

Damaging your home while trying to work on it is another situation that almost always occurs as a result of a homeowner’s actions, making it unlikely your insurance will cover the cost of any repairs. Common mistakes include:

  • Breaking a water line
  • Damaging the electrical system
  • HVAC damage

Depending on what kind of damage was caused, the price to fix it can range from a couple of hundred dollars, well into the thousands of dollars for major issues.

Earthquakes

An earthquake can cause damage ranging from relatively minor things such as cracked drywall all the way up to complete destruction of your home. In any case, regular homeowner’s insurance will not pay to repair or replace anything caused by an earthquake. In areas that have frequent earthquakes, an earthquake policy can be purchased that will provide coverage, but for a place like Utah that sees few earthquakes, and basically no damage from them, there is not much that can be done if one strikes. Destructive earthquakes are virtually unheard of in the state, making it extremely unlikely you will ever have to deal with the damage from one.

Utah Disaster Cleanup Has You Covered

If the worst does happen, you can rest assured that Utah Flood Cleanup can help you take care of the aftermath.  Water/flood damage, as well as mold remediation and sewer backup problems can be taken care of quickly so you can get back to living like normal again. We also offer services to help repair and restore your home from fire damage as well as fixing any biohazard issues that may arise in your house. Contact us here, or call 801-416-2666 to discuss your options with one of our dedicated service professionals based in the northern Utah area.

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We had a great experience with Utah Flood Cleanup! They were easy to get a hold of and the lady on the phone was friendly and able to answer all of my questions. The workman arrived on time and was courteous and clean. He did a thorough inspection and was very informative and helpful. We are excited to continue to use this business to help us keep a clean and safe home!
HeavenlyMayhem
HeavenlyMayhem
17:25 23 Oct 20
My experience with this company is that they are honest and great to work with. Very refreshing to have someone you can trust.
Trevor Heaton
Trevor Heaton
19:44 06 May 20
Called for some detailed information about mold/removal. Daryl was busy, but called back just a few minutes later and spent time answering ALL my questions. He was very knowledgable and patient. Thank you Daryl.
Diane G
Diane G
18:00 17 Apr 20
Sadly, I've had to use Utah Flood Cleanup 4 times in the last year! I really appreciate how quickly they responded to each casualty. They were there right away! Daryl, the owner, gave me a price that was half of the other quote I got, and his men are professionals... not kids who don't have a clue. Plus, he included more "fixes" in his quote for less money. He is very knowledgeable and I felt very confident in his recommendations. He also worked directly with our insurance adjuster so that I didn't have to! I highly recommend this company.
Ashton Carrington
Ashton Carrington
16:09 16 Apr 20
Such a great water damage cleanup company! Their customer service was awesome and help make sure the insurance pays for what they are supposed to and they guarantee their work for 5 years so you can feel good you are getting a quality service. Highly recommend!
Chevelle Garnett
Chevelle Garnett
15:57 24 Mar 20
This team really knows what they are doing! No matter your mess, they have a good solution. Very professional, fast, and friendly, they are great to work with for flood or mold cleanups. I highly recommend Daryl!
Laurie Wall
Laurie Wall
02:44 15 Nov 19
I called Utah Flood Cleanup when I had a leak in the kitchen that drained down into the basement. Daryl came out shortly after speaking to me on the phone! He was friendly, professional and very knowledgeable. He quickly and thoroughly assessed the situation, explaining everything he did as he went along. I was very impressed with how thorough he was in his examination of the damage. He let me know up front what I was looking at and I felt he was very honest and reasonable. I've had other companies out who seem to know very little and just want to start ripping everything out at once! Daryl explained and showed me why he recommended what he did and I felt very comfortable and confident in his recommendations. I highly recommend this company!! You won't be sorry.
Jo Carrington
Jo Carrington
03:09 08 Jun 19
Call these guys for the best knowledge and serve for water damage or mold.
Daryl Olsen
Daryl Olsen
18:58 26 Jan 19
We wanted our house checked for mold due to a moderately high mold count in the air sample. They were very thorough and found only one small spot in the bathroom that needed attention. They advised on our options for dealing with it and did not propose expensive and unnecessary repairs.
Heather Steed
Heather Steed
02:09 16 Aug 18
We absolutely love Utah Flood Cleanup, they come in and take all the problems over. The headache of insurance companies, they pack your items up, the clean up and restoration, and they even move all the items back in. All of there staff are professional and very knowledgeable, they layout a reasonable budget and fight against the insurance to get your house to the best finished state. All of there sub contractors are fast and experts in their fields, this company only uses professional tradesman. We really appreciate all that the Utah Flood Cleanup guys have done for us.
Kit Cc
Kit Cc
03:27 15 Aug 16
We had a serious water damage situation and Utah Flood Cleanup came within one hour and helped us so much. We were so worried, however,, the professional technicians and even the owner (Daryl) were so good to us. They put our mind at ease and fixed our water damage problem with ease. We appreciate them so much and will always recommend them to all of our family and friends.
Kellyann Miles
Kellyann Miles
02:31 08 Jul 16
Josh and Sam came to inspect the mold we found. They were on time, considerate and knowledgeable about our situation. They presented our options and recommendations to treat the issue. I will recommend Utah Disaster to my friends and family.
Connie Pinnell
Connie Pinnell
18:16 08 Jun 16
Jaxon came and assessed water damage in our basement. They were very helpful and went out of their way to make the experience as painless as possible. Very responsive when questions came up and they were never pushy, which I appreciate.
Aimee Hollingsworth
Aimee Hollingsworth
19:48 01 Jun 16
Jaxon was great, he answered his phone at 6:30 am and was out in an hour and got my basement cleaned up
neil norton
neil norton
14:55 31 May 16
Within the last year we had a major flood in the basement, and just today had another water issue that flooded a smaller portion of the basement. I called The Flood Company immediately and they were on-site within an hour or so. I'm extremely pleased with The Flood Co. The professionalism and expertise demonstrate by Jackson and Sam put my mind at ease, knowing we would be taken care of well. I would recommend The Flood Company to anyone in need of these services. They get a five star rating from us!
William Hansen
William Hansen
03:03 26 May 16
My main water line broke and our crawl space was flooding. I called my insurance company and they recommended these guys. Sam and Jesus showed up and got things taken care of. They stopped the water line and put fans to dry the area. The insurance process was super smooth I'm glad I called them!
Karla Maquin
Karla Maquin
04:11 06 May 16
Utah Flood Cleanup is amazing! Josh and Jesus stopped by after their shift and were kind enough to give us a free inspection of our flood problem. Our little 4 year old thought he'd make a sauna in the bathroom. He flipped the shower on and walked away. We never heard the water running and came upstairs to put my daughter to bed. Sure enough, the shower was pointed into the bathroom and flooded the whole thing. Josh and Jesus came out got the whole place inspected, pulled out themal meters and moisture meters and confirmed there was water damage (and old mold growth from previous spills). They grabbed their tools and began demolishing the floor themselves, right then and there so we could get fans on it to prevent future mold growth. I hope I never have another flood but if I do, I'm definitely calling them again! They're the best!!~~~
Jessica Means
Jessica Means
01:49 22 Apr 16
We had a leaky roof that needed water damage repair. Utah Flood Cleanup did a great job cleaning up the water and drying out the building.
Daryl Olsen
Daryl Olsen
16:41 28 Jan 16
These guys are great to work with and really go above and beyond to serve their customers.
Zack Adams
Zack Adams
17:36 16 Dec 15
I called in the morning and they came that afternoon. Chris and Jesus came. They were professional, polite, knowledgeable and they quickly got the place all cleaned up and prepped for the repair. Then they recommended some handymen to do the repair. I hired Hank and he was great too. Did the whole job in one day.
Alan Green
Alan Green
20:37 16 Oct 15
You showed up to our house based upon little information. When you got here you went right to work looking to see what was going on. With being a family of 7, it can be a scramble being out of a bathroom and no shower. You were excellent and so kind on letting us know what our options are and what you can do to resolve the problem in our basement bathroom. With being in our new home, not even making a second mortgage payment yet, it is hard to discover there is mold and a water leak through out the basement bathroom and laundry room. I really appreciate the time you took out of your day to come to our house. My brother in law referred us to you, and it was the best referral, so thank you very much.
Ashley Metz
Ashley Metz
22:39 30 Sep 15

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Disaster Cleanup Frequently Asked Questions


 

At Utah Food Cleanup, we offer water damage cleanup, fire and smoke damage restoration, mold removal, and more to the greater Ogden and SLC area.
Yes, we are licensed in the state of Utah and we hold many certifications, including:
  • IICRC Certified (Institute of Inspection, Cleaning and Restoration Certification)
  • WRT (Water Damage Restoration Technician) certification
  • ASD (Applied Structural Drying) certification
  • CDS (commercial drying specialist) certification
  • CMP (certified mold professional) certification
  • RRP (renovation, repair, and painting) certification
Yes, Utah Food Cleanup guarantees all of our work! We offer you a five-year workmanship guarantee on everything we do.
There are a number of advantages to hiring restoration services rather than a general contractor.
 
General contractors basically work at rebuilding; they know how to build your home or office, but restoration professionals can envision what your home or office looked like before the disaster. They know exactly how to bring it back to what it looked like before, without scrapping the entire thing and starting over.
 
Emergency restoration services professionals are ‘rebuilders’ rather than builders. They will work to recover as much of your damaged space as possible, helping you save time and money. These professionals also know how to work with insurance companies and can help you with your claim.
We service Ogden, Utah and the surrounding areas. Everywhere from Bountiful to Park City, to Tooele and West Jordan. Contact us today to see if we service your area.
At we use Utah Food Cleanup, our Ogden Utah damage restoration company uses a variety of equipment. We use pumps, vacuums, and shampooers to remove water, and of course, dryers to help dry it all out. We also use things like ozone machines to remove the smell of smoke from your property and dehumidifiers to pull moisture from the air. We utilize a wide variety of restoration equipment during the process.
In case of a water disaster, you need to make sure you leave the equipment running at all times. You should notify us right away if it shuts off for any reason. For mold and mildew, make sure to open all of your windows, keep your pets and children away from the mold, and most importantly, don’t try to clean it yourself. When it comes to fire and smoke damage, contact us right away for help, whether you need fire damage cleanup for commercial or residential properties. If you have a flooded basement, turn off your utilities, and then call us!
Yes, we can! Utah Flood cleanup is available 24/7. Call us right away.
Our Utah disaster cleanup company will work directly with your insurance company If you have a flood damage insurance claim or a water damage insurance claim, contact us first. We can help you get the most from your insurance company who will do everything they can to not pay your claim. Our damage restoration services will have your property looking like new in no time, and we will take care of water related insurance hassles.

What Our Clients are Saying

Customer Testimonials

We had a great experience with Utah Flood Cleanup! They were easy to get a hold of and the lady on the phone was friendly and able to answer all of my questions. The workman arrived on time and was courteous and clean. He did a thorough inspection and was very informative and helpful. We are excited to continue to use this business to help us keep a clean and safe home!
HeavenlyMayhem
HeavenlyMayhem
17:25 23 Oct 20
My experience with this company is that they are honest and great to work with. Very refreshing to have someone you can trust.
Trevor Heaton
Trevor Heaton
19:44 06 May 20
Called for some detailed information about mold/removal. Daryl was busy, but called back just a few minutes later and spent time answering ALL my questions. He was very knowledgable and patient. Thank you Daryl.
Diane G
Diane G
18:00 17 Apr 20
Sadly, I've had to use Utah Flood Cleanup 4 times in the last year! I really appreciate how quickly they responded to each casualty. They were there right away! Daryl, the owner, gave me a price that was half of the other quote I got, and his men are professionals... not kids who don't have a clue. Plus, he included more "fixes" in his quote for less money. He is very knowledgeable and I felt very confident in his recommendations. He also worked directly with our insurance adjuster so that I didn't have to! I highly recommend this company.
Ashton Carrington
Ashton Carrington
16:09 16 Apr 20
Such a great water damage cleanup company! Their customer service was awesome and help make sure the insurance pays for what they are supposed to and they guarantee their work for 5 years so you can feel good you are getting a quality service. Highly recommend!
Chevelle Garnett
Chevelle Garnett
15:57 24 Mar 20
This team really knows what they are doing! No matter your mess, they have a good solution. Very professional, fast, and friendly, they are great to work with for flood or mold cleanups. I highly recommend Daryl!
Laurie Wall
Laurie Wall
02:44 15 Nov 19
I called Utah Flood Cleanup when I had a leak in the kitchen that drained down into the basement. Daryl came out shortly after speaking to me on the phone! He was friendly, professional and very knowledgeable. He quickly and thoroughly assessed the situation, explaining everything he did as he went along. I was very impressed with how thorough he was in his examination of the damage. He let me know up front what I was looking at and I felt he was very honest and reasonable. I've had other companies out who seem to know very little and just want to start ripping everything out at once! Daryl explained and showed me why he recommended what he did and I felt very comfortable and confident in his recommendations. I highly recommend this company!! You won't be sorry.
Jo Carrington
Jo Carrington
03:09 08 Jun 19
Call these guys for the best knowledge and serve for water damage or mold.
Daryl Olsen
Daryl Olsen
18:58 26 Jan 19
We wanted our house checked for mold due to a moderately high mold count in the air sample. They were very thorough and found only one small spot in the bathroom that needed attention. They advised on our options for dealing with it and did not propose expensive and unnecessary repairs.
Heather Steed
Heather Steed
02:09 16 Aug 18
We absolutely love Utah Flood Cleanup, they come in and take all the problems over. The headache of insurance companies, they pack your items up, the clean up and restoration, and they even move all the items back in. All of there staff are professional and very knowledgeable, they layout a reasonable budget and fight against the insurance to get your house to the best finished state. All of there sub contractors are fast and experts in their fields, this company only uses professional tradesman. We really appreciate all that the Utah Flood Cleanup guys have done for us.
Kit Cc
Kit Cc
03:27 15 Aug 16
We had a serious water damage situation and Utah Flood Cleanup came within one hour and helped us so much. We were so worried, however,, the professional technicians and even the owner (Daryl) were so good to us. They put our mind at ease and fixed our water damage problem with ease. We appreciate them so much and will always recommend them to all of our family and friends.
Kellyann Miles
Kellyann Miles
02:31 08 Jul 16
Josh and Sam came to inspect the mold we found. They were on time, considerate and knowledgeable about our situation. They presented our options and recommendations to treat the issue. I will recommend Utah Disaster to my friends and family.
Connie Pinnell
Connie Pinnell
18:16 08 Jun 16
Jaxon came and assessed water damage in our basement. They were very helpful and went out of their way to make the experience as painless as possible. Very responsive when questions came up and they were never pushy, which I appreciate.
Aimee Hollingsworth
Aimee Hollingsworth
19:48 01 Jun 16
Jaxon was great, he answered his phone at 6:30 am and was out in an hour and got my basement cleaned up
neil norton
neil norton
14:55 31 May 16
Within the last year we had a major flood in the basement, and just today had another water issue that flooded a smaller portion of the basement. I called The Flood Company immediately and they were on-site within an hour or so. I'm extremely pleased with The Flood Co. The professionalism and expertise demonstrate by Jackson and Sam put my mind at ease, knowing we would be taken care of well. I would recommend The Flood Company to anyone in need of these services. They get a five star rating from us!
William Hansen
William Hansen
03:03 26 May 16
My main water line broke and our crawl space was flooding. I called my insurance company and they recommended these guys. Sam and Jesus showed up and got things taken care of. They stopped the water line and put fans to dry the area. The insurance process was super smooth I'm glad I called them!
Karla Maquin
Karla Maquin
04:11 06 May 16
Utah Flood Cleanup is amazing! Josh and Jesus stopped by after their shift and were kind enough to give us a free inspection of our flood problem. Our little 4 year old thought he'd make a sauna in the bathroom. He flipped the shower on and walked away. We never heard the water running and came upstairs to put my daughter to bed. Sure enough, the shower was pointed into the bathroom and flooded the whole thing. Josh and Jesus came out got the whole place inspected, pulled out themal meters and moisture meters and confirmed there was water damage (and old mold growth from previous spills). They grabbed their tools and began demolishing the floor themselves, right then and there so we could get fans on it to prevent future mold growth. I hope I never have another flood but if I do, I'm definitely calling them again! They're the best!!~~~
Jessica Means
Jessica Means
01:49 22 Apr 16
We had a leaky roof that needed water damage repair. Utah Flood Cleanup did a great job cleaning up the water and drying out the building.
Daryl Olsen
Daryl Olsen
16:41 28 Jan 16
These guys are great to work with and really go above and beyond to serve their customers.
Zack Adams
Zack Adams
17:36 16 Dec 15
I called in the morning and they came that afternoon. Chris and Jesus came. They were professional, polite, knowledgeable and they quickly got the place all cleaned up and prepped for the repair. Then they recommended some handymen to do the repair. I hired Hank and he was great too. Did the whole job in one day.
Alan Green
Alan Green
20:37 16 Oct 15
You showed up to our house based upon little information. When you got here you went right to work looking to see what was going on. With being a family of 7, it can be a scramble being out of a bathroom and no shower. You were excellent and so kind on letting us know what our options are and what you can do to resolve the problem in our basement bathroom. With being in our new home, not even making a second mortgage payment yet, it is hard to discover there is mold and a water leak through out the basement bathroom and laundry room. I really appreciate the time you took out of your day to come to our house. My brother in law referred us to you, and it was the best referral, so thank you very much.
Ashley Metz
Ashley Metz
22:39 30 Sep 15

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