Utah Claims Compliance

Key regulatory requirements, correspondence deadlines, and mandated forms for Utah (UT).

Quick Reference

Key Deadlines

Acknowledgment
15 calendar days
Accept/Deny
30 calendar days
Investigation
30 calendar days
Payment
30 calendar days
Status Updates
45 calendar days

Requirements

  • Mandated Forms
  • Catastrophe Rules
  • Separate P&C / Life & Health
  • Fraud Warning
  • Depreciation Notice
  • E-Delivery (with_consent)

Regulatory Authority

Utah Insurance Department

Phone: (801) 957-9200 or toll-free (800) 439-3805; Address: 4315 S. 2700 W., Suite 2300, Taylorsville, UT 84129; Website: https://insurance.utah.gov/complaint

Bad Faith: Utah Code Ann. § 31A-26-303

Key Statutes

  • Utah Code Ann. § 31A-26-301 et seq.
  • Utah Admin. Code R590-190-1 et seq.
Last reviewed: April 1, 2026

Utah handles claims correspondence according to specific state regulations. Requirements vary depending on the line of business and specific claim circumstances.

Acknowledgment

Every claim must be acknowledged within 15 calendar days of receipt. The acknowledgment should identify the insurance policy and coverage at issue.

Denial

A written denial must be issued within 30 calendar days. The denial must reference the specific policy provisions, conditions, or exclusions relied upon.

Statutory Language

No specific statutory language mandated beyond standard disclosures.

LOB-Specific Requirements

Regulatory requirements for Utah, grouped by line of business. Select a chip to filter.

SOL Notice In Denial Required
Yes
Unfair Claims Practices Act RefStatutory
Utah Code Ann. § 31A-26-303
Prompt Payment Statute RefStatutory
Utah Code Ann. § 31A-26-301
HO Specific RequirementsStatutory
Utah Admin. Code R590-190-13 (Standards for Prompt, Fair, and Equitable Settlement for Fire and Extended Coverage Type Policies with Replacement Cost Coverage)
Depreciation Notice Required
Yes
Proof Of Loss RequirementsStatutory
Failure to give notice or file proof of loss within specified time does not invalidate claim if insured shows it was not reasonably possible and filed as soon as reasonably possible (Utah Code Ann. § 31A-21-312(1)(b))
Suit Limitation PeriodStatutory
3 years after inception of loss; tolled during appraisal or arbitration; action may not be brought until earlier of 60 days after proof of loss, waiver, or denial of full payment (Utah Code Ann. § 31A-21-313)

Utah Case Law

Published decisions that shape claim-handling and correspondence practice in Utah. Pair these with the statutory deadlines above.

StatutoryCase LawReg. Bulletin

  • Prince v. Bear River Mutual Insurance Co

    56 P.3d 524 (2002)

    Case Law
    Bad FaithHomeowners

    it states that if an insured's claim is "fairly debatable," the insurer has the legal right to debate it. An insurer cannot be found to have breached the implied duty of good faith if it denies a fairly debatable claim, even if a judge or jury later determines that coverage actually existed .

  • Campbell v. State Farm Mut. Auto. Ins. Co

    65 P.3d 1134 (2001)

    Case Law
    Bad FaithAuto

    . https://law.justia.com/cases/utah/supreme-court/2001/campbell.html

  • San Diego Navy Federal Credit Union v. Cumis Ins. Soc., Inc

    162 Cal. App. 3d 358 (1984)

    Case Law
    Duty to DefendProfessional Liability

    established that when an insurer issues an ROR creating a conflict of interest, the insured has the right to select independent counsel paid for by the insurer .

  • Jones v. Farmers Insurance Exchange

    2012

    Case Law
    Bad FaithProfessional Liability

    clarified that while the fairly debatable defense is often resolved on summary judgment, cases involving complex, conflicting evidence regarding the adequacy of the insurer's investigation may present questions of fact for a jury .

  • Saltz v. UMIA

    2022

    Case Law
    Bad FaithProfessional Liability

    a plastic surgeon was sued by a patient. The medical malpractice insurer defended under a reservation of rights but filed a declaratory judgment action to deny coverage .

  • State Farm Mutual Auto. Ins. Co. v. Kay

    1971

    Case Law
    Reservation of RightsCommercial Auto

    which held that an insurer's entry of an appearance for an insured without a reservation of rights does not automatically constitute a waiver of available defenses, but can result in estoppel if the insured is prejudiced .

Show 1 more case

  • UMIA v. Saltz

    2022

    Case Law
    Duty to DefendGeneral Liability

    decision is the definitive Utah authority on this consequence. In Saltz, UMIA defended the doctor for eight years without questioning or reserving its right to deny coverage . The Utah Supreme Court affirmed a jury verdict finding that UMIA was estopped from denying coverage and was required to reimburse the insured for a $500,000 settlement he had to personally fund .

Historical court cases are for reference only and may be superseded, distinguished, or abrogated.

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