Home insurance in Utah starts on the declarations page and then asks which Utah the house is in. Read the dwelling limit and the base deductible. Ask whether wind or hail sits on a deductible of its own. Canyon wind along the Front and hail on the benches are real, and the page will say if they are carved away from other losses. Ask whether flood is outside the policy. Snowmelt in a basement, a sewer backup, and a pipe burst by ice are not the same event as a river or a sheet flood, and the wording is the only sort that matters.
Read the winter section carefully if you are on the Wasatch. Ice dams, snow load, and freeze losses need their own sentences in your head before a claim. Ask how the policy treats water that enters from above because ice backed up, versus water that rises from the ground. Ask whether earth movement sits outside the policy, and do not assume a crack in a basement wall is a storm claim. In Washington County, shift the reading toward sun-aged roofs, wind, and water from a hot supply line or a cooling system. A dwelling limit copied from a sale can miss a rebuild of a brick basement house or a stucco desert house. They do not rebuild alike.
Before a claim, photograph the eaves, the roof from the ground, the basement floor, and the failed pipe. Do not throw ice-dam debris or soaked drywall away first. Note whether snow was on the roof, whether a canyon wind was up, or whether the sky was clear and the pipe simply froze. Read loss of use if you cannot heat the house. Read belongings as replacement value or actual cash value.
Say the town first. St. George is not Park City. Bring the declarations page and say whether this is a renewal, a new policy, or a claim. Call the number on this page.