Legal and Privacy Parameters.

By engaging Utah Claims Pros, you acknowledge that we are acting as licensed public insurance adjusters, not attorneys, and our services are limited to the technical estimation and negotiation of property damage claims. We operate in strict adherence to Utah Admin Code R590-274, which prohibits a public adjuster from participating directly or indirectly in the reconstruction, repair, or restoration of the damaged property or from holding a financial interest in any firm that obtains work in connection with the claim. All fee agreements are executed in writing prior to formal representation.

Nothing on this website constitutes legal advice, a coverage determination, or a guarantee of any particular settlement outcome. Figures cited in case studies, statistics, and service descriptions are illustrative of prior work and market conditions; every claim is evaluated on its own policy language, documentation, and facts. No adjuster-client relationship is created by submitting the intake form or corresponding with our office prior to a signed written agreement.

Where a claim requires legal interpretation, bad-faith analysis, or litigation, we coordinate with counsel you retain independently. Retainer service guarantees, including the four-hour documentation response, are defined precisely in the annual retainer agreement and are subject to the access and safety conditions present at the loss site.

Utah Code 31A-26-402 permits a public adjuster to be compensated by an hourly fee, a flat rate, a percentage of the total amount paid by the insurer to resolve a claim, or another agreed method of calculation. Utah imposes no statutory cap on public adjuster fees. Our engagements are governed by the following standards:

• The exact hourly rate, flat fee, or percentage — and precisely how it is applied — is stated in a clear, prominent written disclosure in your contract before representation begins, as required by Utah Admin Code R590-274-7.
• Where the insurer pays, or commits in writing to pay, the policy limit within 72 hours of the loss being reported, we may not charge a percentage of that payment. In that circumstance we may be paid only reasonable compensation for time spent on the claim and expenses incurred, per Utah Code 31A-26-402(2).
• We do not accept compensation for referring a client to any attorney, appraiser, umpire, construction company, contractor, repair firm, or salvage company.
• We do not enter into a contract and collect the contracted compensation without actually performing the public adjusting services customarily provided.
• Except for direct payment of our fee by the insured, any settlement draft or check must include the insured as a payee and requires the insured's written signature or endorsement. We will never sign or endorse a payment draft or check on your behalf.
• You may rescind a public adjuster contract by delivering written notice to us within 10 days of entering into it, unless an acceptable settlement of the claim has already been effected, per Utah Code 31A-26-311.
• Every contract carries the disclosures Utah requires on the signature page, including that we represent the insured only, that you are being charged a fee for a service, and that you are not required to enter into a public adjuster contract to make a claim under your policy.

You may verify our license, confirm your rights, or file a complaint with the Utah Insurance Department at 801-957-9305 or 800-439-3805, or at insurance.utah.gov.