Business damaged during a protest, riot, or civil unrest — looting or vandalism. Under Utah Code §31A-21-312, Salt Lake City businesses have 6 years to pursue underpaid claims. Acknowledge in 10 days; accept or deny in 45 days.
Upload your Utah commercial policy. Get an instant breakdown citing your exact policy sections.
Get Free Analysis →Under Utah Code §31A-21-312, Salt Lake City businesses generally have 6 years from the date of loss to pursue a bad faith action. Your policy may also require prompt notice (typically 30–60 days) and a sworn proof of loss within a shorter window. Acknowledge in 10 days; accept or deny in 45 days. Consult a licensed Utah attorney for your specific timeline.
1) Ensure safety and contact emergency services if needed. 2) Photograph and video all damage before any cleanup. 3) Notify your insurer promptly — late notice can be used to contest coverage. 4) Preserve all damaged property until your adjuster inspects it. 5) Keep all receipts for emergency mitigation, repairs, and any temporary relocation costs.
Yes — common denial reasons for protest / riot damage claims include: Business owner-caused damage, war exclusion.. If your claim is denied, request the specific policy provision in writing. Under Utah Code §31A-21-312, insurers must provide a written explanation citing the exact exclusion. You have the right to dispute any denial.