UT · regulation notes
Utah wildfire insurance & regulation
Paraphrased from official DOI / residual-market materials. Not legal advice — confirm live pages before relying on day counts or dollar limits.
FAIR / residual market
No residential FAIR Plan was found in official UID materials reviewed. Secondary news reported HB 562 (FAIR-plan concept) dying in March 2026 — confirm against Utah Legislature / UID. Residual path: surplus lines / specialty admitted.
Non-renewal & notices
News reporting has cited elevated nonrenewals — treat quantitative journalism as pending UID data. Exact statutory nonrenewal-day count: verify Utah Insurance Code / UID consumer guide before publishing.
Mitigation credits & disclosure
No Utah wildfire-score disclosure/appeal statute was found in the research pass. Carrier-filed discounts (including some Firewise community filings in multi-state materials) may exist company-by-company. UID consumer materials emphasize disaster claim contacts and preparedness.
Risk-score / appeal path
Ask carriers in writing for underwriting basis and any credits; escalate to UID consumer help. Do not invent mandatory appeal clocks.
Homeowner takeaways
- Document mitigation for underwriting even without a statewide mandate.
- Confirm any FAIR-plan bill status before assuming residual coverage exists.
- Use UID wildfire/flood resource links during active events.