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Public Adjusters In Orem, Utah That Work For YOU!
100% Contingency Based. We Don't Get Paid Unless YOU Get Paid!
*Not All Services Available In All Areas.Â
Don't Settle For Less!
Get The HIGHEST & Most FAIR Settlement Amount, That You Are Legally Entitled To, From Your Insurance Claim!
Get a free on-site inspection & insurance policy evaluation from one of our expert public claims adjusters!
Work with highly trained & verified Orem public adjusters who are state-licensed, bonded, and trained to handle all residential or commercial insurance claims, big or small!
Public Claims Adjusters Network (PCAN) member public claims adjusters in Orem, Utah offer technical and detailed expertise that has satisfied countless homeowners, business owners, condominium associations, property management companies, and HOAs.
Our network members have years of experience dealing with insurance companies. Many of our network’s public adjusters also have previous backgrounds in construction and/or insurance, giving them a significant advantage in quickly securing the highest claim settlement compensation for their clients.
They know what to look for, what repairs actually cost, and what the insurance company’s adjusters tend to ignore (and hope you don’t know about!).
Consultations are always:
- Friendly
- Free
- No-Obligation
- 100% contingency-based In Nearly Every State
… meaning your public adjuster doesn’t get paid, unless you get paid!*
Public Claims Adjusters Network public adjusters take pride in providing superior customer service, and clear & friendly communication. Please fill out our contact form to schedule a no-obligation consultation with one of our network’s licensed & verified Utah public insurance claims adjusters today!
*Some Services Not Available In All Areas. Contingency Fee Not Permitted By Law In Lousianna. By law, services in Kansas are only available for commercial claims.
Request Your No-Obligation Consultation With a PCAN-Verified Member Public Adjuster Today!
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*Some Services May Not Be Available In All Areas. Public Claims Adjusters Network (PCAN) is not a Public Adjusting Agency. PCAN is a private network of stringently vetted, state-licensed, bonded, and PCAN Verified Public Adjusters with members Nationwide. Your contact request will be matched to one of our verified member public adjusters serving the Orem community, to ensure the highest quality of service & care.
Higher Claim Payouts When Using A Public Adjuster According To Landmark OPPAGA Study!
Contingency Based. We don’t get paid, unless you get paid!
*Contingency fees not permitted by law in Louisiana.
Why Hire A Public Insurance Adjuster In Orem Utah?
Orem Public Adjusters Help Get You The HIGHEST & Most Fair Settlement Amount (That You Are Legally Entitled To) From Your Homeowners, Roofing, Condo & HOA, & Business Insurance Claims!
Get a Free On-Site Inspection & Insurance Policy Evaluation From One Of Our Expert public insurance adjusters Members Today!
- Save You Time & Help Speed Up The Claim Process
- Help Alleviate Stress & Walk You Through The Whole Process
- Negotiate With The Insurance Company & Make Sure You Get The Highest Settlement Possible*
- Prepare & File All The Necessary Documents, And Handle All The Necessary Follow-up's
*Some Services Not Available In All Areas.Â
What Our Network Of Licensed Orem Public Insurance Adjusters Bring To The Table
Insurance Policy & Claims Specialists For Orem Residents
PCAN member public claims adjusters have years of experience in claims & reviewing coverages. As such, they understand the numerous types of policies and endorsements you may experience when dealing with your claim in Orem, Utah. Their expertise allows them to find & utalize the various coverages your policy may have, and in many cases, inform you of coverage & clauses you may not even know about.
Advocates For Homeowners, Businesses, & HOA's In Orem, Utah
PCAN member public claims adjusters advocate for your rights as the policy holder. They ensure that the clients’ rights are being protected throughout the claims process, and make sure you get all the benefits you are entitled to based on your policy. Public adjusters are there with you every step of the way!
Experts In Seen & Unseen Damages For Orem Homeowners Insurance Claims
PCAN member public adjusters in Orem, Utah have years of experience identifying damage, and in most cases, come from professional construction, roofing, and insurance backgrounds. As such, they are able to find & isolate damages that you may not even know to look for, or know would/should be covered by your policy! They also incorporate the latest assessment techniques & technology when conducting their property inspections.
Expert Orem Damage Claim Negotiators
Settlement negotiation is critically important when it comes to the claims process. Public adjusters in Orem, Utah know how the insurance companies think, and come to the negotiation table fully prepared to defend & enforce your rights. PCAN member public insurance adjusters have the expertise and experience in claims negotiations to ensure that you get what you are actually entitled to under your policy ... not what the insurance company tells you that you are, based on their own interests. When the insurance company plays hardball or puts up a fight, your public adjuster won't be afraid to get in that ring and fight them for what's rightfully yours!
Our Expert Public Adjusters Work Exclusively For You To Ensure You Get The Highest Settlement Possible From Your Property Insurance Claim After A Disaster.
Frequently Asked Questions (FAQ) About Orem Utah Public Adjusting
What Is A Public Claims Adjuster In Orem & What Do They Do?
Orem Public adjusters are licensed insurance professionals who work independently to advocate for policy holders in the insurance claims process. According to the National Association of Public Insurance Adjusters (NAPIA) the professionals act as advocates for property owners, ensuring their interests are protected in dealing with insurance companies..
The role of public adjusters has become more important in recent times, especially because insurance claims are becoming more complex. A landmark study by the Office of Program Policy Analysis and Government Accountability (OPPAGA) discovered that policyholders who employed public adjusters received settlements up to 800% higher than those who handled claims on their own.
Public adjusters provide comprehensive services throughout the claim process. They conduct detailed assessments of the damages, and prepare and file all necessary documents, and handle all communications with insurance companies. This professional support significantly reduces the stress and time associated with filing claims, allowing policyholders to concentrate on recovery.
Based primarily on a basis of contingency fees that typically range from 10% to 20 percent of the settlement, public adjusters are incentivized to secure the most compensation for their clients. The fee structure differs depending on the complexity of the claim state regulations, as well as the amount of resources needed.
They have extensive knowledge of insurance policies, and building codes, as well as construction costs. They use this knowledge to:
- Expedite the claims process
- Document and assess the damages thoroughly
- Navigate complex policy language
- Directly negotiate with insurance carriers
- Be sure to comply with filing deadlines and other policy requirements
Research has clearly shown that professional representation during the process of settling claims typically results in more comprehensive settlements as well as quicker claim resolution times. Public adjusters’ understanding of insurance regulations and industry practices helps prevent common pitfalls that could otherwise delay or diminish claim settlements.
Related Story: Are Public Claims Adjusters Worth It?
Disclaimer: *Some Services Not Available In All Areas. Contingency fees not allowed in Louisiana.
Will My Settlement Be Larger If I Hire A Orem Public Adjusting Company?
Industry research and analysis has shown that employing a public insurance adjuster can significantly increase policyholder settlements for claims. According to a landmark study by the Office of Program Policy Analysis and Government Accountability (OPPAGA), policyholders who employed public adjusters received settlements that were up to 800% higher than those who handled claims independently.
Public adjusters in Orem, Utah serve as licensed professionals who represent only policyholders throughout the claim process. The National Association of Public Insurance Adjusters (NAPIA) states that these state-licensed professionals offer detailed claims management services, including precise documents for property damage and interpretation of policies and settlement discussions with insurance carriers.
The importance of a professional representation is particularly evident in final settlement figures, as professionally managed claims usually produce more detailed damage estimates, and more accurate estimates of losses.
Public adjusters streamline the claims process by:
- Handling all documentation and correspondence with insurance companies
- Conducting detailed assessments of property damage
- Preparing comprehensive claim submissions
- Directly negotiating with insurance carriers
- Expediting the settlement timeline
- Ensuring compliance with policy specifications and deadlines
The majority of public adjusters operate on the basis of contingency fees, which typically range from 10% to 20 percent of the final settlement amount. The fee structure is aligned with the adjuster’s interests with those of the policyholder, as their compensation depends on securing a favorable settlement outcome.
The expertise of a Public Adjuster often proves valuable in difficult claims, where technical knowledge of building codes, construction costs, & insurance policy provisions can have a significant impact on settlement outcomes.
Their expertise and oversight ensure no insured damages are missed and claims are properly assessed according to current market conditions.
Related Story: When Should I Consult With A Public Insurance Claims Adjuster?
Disclaimer: *Some Services Not Available In All Areas. Contingency fees are not accepted in Louisiana.
How Much Do Orem Public Adjusters Near Me Charge?
Public adjusters typically operate on a contingency fee basis, charging between 10% to 20% of the final insurance claim settlement. According to the National Association of Public Insurance Adjusters (NAPIA), these fees vary based on claim complexity, state regulations, and required resources. The contingency fee structure ensures that public adjusters’ interests align directly with those of their clients, as their compensation depends on securing favorable settlements.
Before engagement, policyholders should carefully review fee arrangements and contract terms, ensuring clear understanding of the service agreement. According to the Insurance Information Institute (III), public adjusters must maintain state licenses and adhere to strict professional standards, providing an additional layer of consumer protection. Their role becomes particularly valuable in complex claims where specialized knowledge can significantly impact settlement outcomes.
A landmark study by the Office of Program Policy Analysis and Government Accountability (OPPAGA) demonstrated that policyholders who engaged public adjusters received settlements up to 800% higher than those who handled claims independently. This significant difference underscores the value these professionals bring to the claims process.
Related Story:How Does A Public Insurance Claims Adjuster Work?
Disclaimer: *Some Services Not Available In All Areas. Contingency fees are not accepted in Louisiana.
When Should You Hire A Public Claims Adjuster In Orem, Utah?
Complex insurance claims usually require expert knowledge to effectively navigate. Public insurance adjusters, state-licensed professionals who only work for policyholders, can have a significant impact on the outcome of claims and settlement amounts.
A variety of scenarios could need a public adjuster:
- Extensive property damage
- Claims that involve multiple types of coverage
- Disputed claims or partial claim denials
- Complex requirements for documentation
- Time-sensitive situations requiring immediate attention
Public adjusters streamline the claims process by:
- Conducting comprehensive damage assessments
- The preparation and filing of necessary documentation
- Communication with insurance companies
- Negotiating settlements on behalf of policyholders
- Ensuring compliance with policy terms and deadlines
Public adjusters particularly benefit policyholders through:
- Stress reduction through professional claim management
- Accelerating the settlement process
- Giving objective damage assessments
- Ensuring comprehensive documentation
- Utilizing industry-specific expertise to ensure fair settlements
Related Story:Are Public Insurance Adjusters Legitimate?
Disclaimer: *Some Services Not Available In All Areas. Contingency fees are not permitted in Louisiana.
When Is It Too Late To Hire A Public Adjuster Near Me In Orem?
Navigating the insurance claims process requires careful timing and professional expertise. Understanding when to engage a Utah public adjuster can significantly impact claim outcomes and settlement amounts. According to the National Association of Public Insurance Adjusters (NAPIA), policyholders can benefit from hiring a public adjuster at any point during an active claim, though earlier engagement typically yields better results.
Key timing considerations include:
Statute of Limitations:
- Each state maintains different deadlines for filing insurance claims
- Claims must be initiated within these legal timeframes
- Public adjusters can assist with existing claims, even if initially filed independently
Documentation Requirements:
- Public adjusters help organize and prepare comprehensive claim documentation
- They can recover or reconstruct missing documentation
- Professional documentation improves claim validity and settlement potential
Claim Status:
- Active claims benefit from professional representation
- Denied claims may be reopened with proper documentation
- Disputed settlements can be renegotiated
Public adjusters provide valuable services throughout the claims process Including:
- Expedited claim processing through professional management
- Expert negotiation with insurance carriers
- Complete documentation preparation and submission
- Regular communication with insurance companies
- Stress reduction through professional claim handling
- Maximum settlement potential through experienced representation
Related Story:Common Public Insurance Claims Adjuster Pitfalls & How To Avoid Them
Disclaimer: *Some Services Not Available In All Areas. Contingency fees are not permitted in Louisiana.
Why hire a Public Adjuster In Orem if your insurance company already sent an adjuster?
The decision to employ a state-licensed public claims adjuster, even if an insurance company has assigned its own adjuster, can greatly affect the final outcome of an insurance claim.
While the insurance company adjusters work for their employer’s interests … public claims adjusters In Orem, Utah serve as dedicated advocates for policyholders. The National Association of Public Insurance Adjusters (NAPIA) highlights that these state-licensed & regulated professionals work independently, ensuring fair settlement of claims and a thorough coverage interpretation.
Public adjusters streamline the claims process by managing documents, making comprehensive evaluations of damage and coordinating all communications with insurance companies. This type of professional intervention usually speeds up claim resolution and reduces homeowners administrative burdens.
The value of public adjusters isn’t only limited to monetary benefits. These professionals provide professional guidance during the claim process, guiding clients through complex policy terms and ensuring every damage is properly documented and assessed.
They make specific damage estimates, gather the necessary evidence, and deal directly with insurance companies for the highest settlement outcome.
Insurance claims can be complicated and time-consuming, making professional representation valuable during significant loss events. Public adjusters’ expertise in negotiation and interpretation of policies often results in more extensive settlements that cover evident and concealed damages.
Disclaimer: *Some Services Not Available In All Areas. Contingency fees are not accepted in Louisiana.
Related Story:How Do Public Insurance Adjusters Get Paid & Who Pays Them?
Disclaimer: *Some Services Not Available In All Areas. Contingency fees are not accepted in Louisiana.
Can I File My Insurance Claim Myself In Orem, Utah?
Although policyholders are entitled to make insurance claims on their own, research from industry experts suggests this strategy may not provide the best results.
The main challenges with self-filing include:
- ​​​​Complex documentation requirements and policy interpretation
- Time-intensive communication with insurance representatives
- Risk of overlooking covered damages or benefits
- Potential undervaluation of claims by insurance companies
- Limited-to-zero negotiation experience with insurers
​​​​licensed public adjusters have important advantages to the claims process:
-
- Professional Documentation and Assessment – Public adjusters thoroughly document damages, prepare comprehensive claim files, and handle all paperwork required, making sure no detail is left unnoticed.
- Time and Stress Management – These professionals manage all communication with insurance companies, allowing homeowners to focus on recovery while speeding the process of submitting claims.
- Expert Negotiation – With a vast understanding of the insurance policies and rules, public adjusters negotiate directly with insurance companies to secure fair settlements.
- Cost-Effective Service – Public adjusters typically work on a contingency fee basis, usually ranging from 10 to 20% of the final settlement amount, to ensure the best interests of the policyholder.
The National Association of State Insurance Commissioners (NAIC) recognizes public adjusters as licensed professionals who represent policyholders’ interests during the claims process. Their expertise is particularly valuable in complicated claims or when significant damages are involved.
Statistics from the industry consistently show that professional expert representation by state-licensed public adjusters leads to better outcomes for policy holders, with quicker processing, and more complete settlement packages.
Related Story:How Much Do Public Adjusters Cost
Disclaimer: *Some Services Not Available In All Areas. Contingency fees are not permitted in Louisiana.
In Orem, Can My Contractor Represent Me Against My Insurance Company?
While contractors often offer to negotiate with insurers, this strategy can have some significant risks and limitations. According to the National Association of Insurance Commissioners (NAIC), contractors are not legally authorized and lack expertise to serve as official representatives for insurance claims negotiations.
This restriction could significantly impact the outcome of a lawsuit and potentially limit your rights as a owner of the policy.
State insurance departments oversee licensed public adjusters, who receive intensive specialized training, have to pass Federal background checks, & require special licensing from the state to operate. They also are legally authorized to act on behalf of the policyholder to safeguard and enforce their rights … legal authority that contractors don’t possess … thus they are the legal alternative to the representation of contractors.
Public Adjusters specialize in interpreting insurance policies, assessing damages, and working with insurance companies to guarantee fair claim compensation.
Public adjusters provide several distinct advantages, such as:
- Expert claim documentation and filing
- Professional negotiation with insurance companies
- Comprehensive damage assessment
- Faster claim processing
- Reduce stress by a complete claim management
The National Association of Public Insurance Adjusters (NAPIA) emphasizes the fact that public insurance claims adjusters must hold professional licenses and follow strict ethical standards, thereby providing an additional layer of consumer protection that is not offered by contractor representation.
For complex claims, public adjusters are experts in interpreting policies, document demands and negotiation techniques often proves invaluable, potentially preventing costly mistakes and claims denials that might occur with contractor-led negotiations.
Related Story:When Is It Too Late To Retain A Public Claims Adjuster?
Disclaimer: *Some Services Not Available In All Areas. Contingency fees are not accepted in Louisiana.
I Already Settled My Claim, But It Wasn’t Enough Money To Cover The Damages. Is It Too Late To Try To Get More Money?
When insurance settlements prove insufficient to cover property damages, policyholders retain several legal options for seeking further compensation following the initial claim settlement.
According to the National Association of Insurance Commissioners (NAIC), policyholders should carefully evaluate the terms of their settlement and related documents prior to accepting the final settlement.
The timing and the circumstances for pursuing additional compensation are critical aspects, as most insurance policies include specific timeframes for claim disputes and appeals, usually ranging from one to two years after the settlement date.
Licensed public adjusters are essential in re-evaluating settled claims and finding overlooked damages. Public adjusters conduct thorough assessments of property damages, document any additional damage, and negotiate with insurance carriers for policyholders.
Key steps for pursuing additional compensation include:
- Document newly discovered damages
- Review of policy terms and settlement agreements
- Collect supporting evidence and estimations
- Think about professional representation from a state-licensed public insurance claims adjusters
The National Association of Public Insurance Adjusters (NAPIA) stresses that public adjusters are often able to spot overlooked damages and policy provisions that support additional compensation. Their experience in policy interpretation and claim valuation proves particularly valuable when defending settled claims.
Policyholders should act promptly upon discovering insufficient settlement amounts, since delay may hinder their ability to recover additional compensation. When utilizing a Public Claims Adjusters Network member Public Adjuster, the claim review and negotiation process typically progresses more efficiently than policyholder-directed efforts.
Disclaimer: *Some Services Not Available In All Areas. Contingency fees not allowed in Louisiana.
Can My Insurance Company Cancel My Contract If I Use a Public Adjuster In Orem, Utah?
No. Insurance companies cannot legally cancel policies solely because policyholders hire public adjusters to represent their interests during the claims process, according to the National Association of Insurance Commissioners (NAIC). Policy cancellations are strictly governed by contractual terms and state regulations, typically limited to specific circumstances such as non-payment of premiums or material misrepresentation.
The National Association of Public Insurance Adjusters (NAPIA) emphasizes that hiring a licensed public claims adjusters is a protected right of policyholders. These professionals serve as advocates during insurance claims, handling documentation, negotiations, and communications with insurance carriers to expedite settlements.
The Insurance Information Institute (III) confirms that policyholders maintain the right to professional representation during claims processes, and insurers must honor this right while adhering to fair claims handling practices.
Related:Public Insurance Claim Adjusting Guides & Resources
Disclaimer: *Some Services Not Available In All Areas. Contingency fees are not permitted in Louisiana.
Our Expert Public Adjusters Work Exclusively For You To Ensure You Get The Highest Settlement Possible From Your Property Insurance Claim After A Disaster.
The Homeowners Insurance Claims Recovery Process In Orem, Utah
Utah state-licensed public insurance claims adjusters are fluent in “Insurance Policy Jargon”, and will guide you through the entire property insurance claims process, while they fight to make sure you get the highest & most fair compensation possible for your claim!
View 7-Step Claims Recovery Process Map
Step #1
Make Sure Your Family Is Safe
When disaster strikes, the priority is to make sure your family is safe. Always have an emergency bag!
Step #2
Contact A PCAN Public Adjuster In Orem, Utah
Contact one of the PCAN verified and state-licensed public insurance claims adjusters to schedule an appointment for them to come out & meet with you to inspect the damage.
Step #3
Thorough Review Of Your Policy
Your public insurance claims adjuster will conduct a comprehensive review of your policy, note any coverage restrictions, coinsurance requirements, limitations, and review additional options that may be available to you.
Step #4
Create A Claims Strategy That Works For Your Specific Goals & Needs
Your public insurance adjuster will discuss what is most important to you when it comes to your claim, then create & tailor the right claims strategy to take care of your family.
Step #5
Public Adjuster Takes Care Of All Insurance Related Paperwork, Negotiations, & Follow Up.
Once you have agreed on a strategy, your public claims adjuster will:
- Meet with insurance company adjusters & personnel at the loss/damage location.
- Agree to the scope of damages & make sure that they are including all the damages in the scope, as well as clearly deciding on what should be repaired vs. replaced.
- Prepare a detailed reconstruction estimate.
- Prepare a detailed inventory of personal property.
Step #6
Negotiations & Final Settlement
Your public claims adjuster will work to make sure you receive the highest settlement possible under your specific insurance policy.
Step #7
Restoration | Reconstruction | Relocation
Your public claims adjuster will negotiate with the insurance company to ensure that you can achieve your specific goals. Whether that’s full or partial restoration, rebuilding your property, or a full-relocation.
(Click To Expand Infographic)
Our Expert Public Adjusters Work Exclusively For You To Ensure You Get The Highest Settlement Possible From Your Property Insurance Claim After A Disaster.
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Our Expert Public Adjusters Work Exclusively For You To Ensure You Get The Highest Settlement Possible From Your Property Insurance Claim After A Disaster.
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- Adjusting
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- Black Mold
- Business Interruption
- CA
- Ceiling Damage
- Commercial Property Damage
- Condo Association
- Contractors
- Denied Insurance Claims
- Earthquake Damage
- Fire Damage
- Flood Damage
- Foundation Damage
- Hail
- Hail Damage
- Homeowners Association
- Homeowners Insurance
- Hurricane
- Hurricane Damage
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- New Claims
- Personal Property Damage
- Property Damage
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- Remediation
- Repairs
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- Sewer Lines
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- Solar Panels
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A glossary of insurance terms provides insight to policyholders of critical terms and definitions commonly used to clarify various aspects of coverage and claims.
Key concepts include such terms as Actual Cash Value (ACV), a method for determining compensation based on replacement costs minus recoverable depreciation, and Additional Living Expenses (ALE) Insurance Coverage, which cover necessary living costs when a home is uninhabitable.
For example, understanding your home insurance declaration page, common insurance deductibles for various types of home damage, the general policy exclusions standard in many home insurance policies, can bring much-needed awareness & clarity to policyholders of potential basic insurance terms that may affect their claim outcomes. For example, knowing which key documents (such as photographs and receipts) are essential for substantiating claims.
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Our Expert Public Adjusters Work Exclusively For You To Ensure You Get The Highest Settlement Possible From Your Property Insurance Claim After A Disaster.
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Our Expert Public Adjusters Work Exclusively For You To Ensure You Get The Highest Settlement Possible From Your Property Insurance Claim After A Disaster.
More About Orem, Utah
Orem, Utah | |
---|---|
Orem City Center | |
Nickname:Â Family City USA | |
Location in Utah County and the state of Utah | |
Coordinates: 40°17′26″N 111°43′47″W / 40.29056°N 111.72972°W / 40.29056; -111.72972 | |
Country | United States |
State | Utah |
County | Utah |
Settled | 1877 |
Town charter granted | May 5, 1919 |
Named for | Walter C. Orem |
Area | |
 • Total | 18.57 sq mi (48.10 km) |
 • Land | 18.57 sq mi (48.10 km) |
 • Water | 0.00 sq mi (0.00 km) |
Elevation | 4,767Â ft (1,453Â m) |
Population  (2020) | |
 • Total | 98,129 |
 • Density | 5,267.22/sq mi (2,033.67/km) |
Time zone | UTC-7 (Mountain (MST)) |
 • Summer (DST) | UTC-6 (MDT) |
Area codes | 385, 801 |
FIPS code | 49-57300 |
GNIS feature ID | 2411333 |
Website | www |
Orem is a city in Utah County, Utah, United States, in the northern part of the state. It is adjacent to Provo, Lindon, and Vineyard and is approximately 45 miles south of Salt Lake City.
Orem is one of the principal cities of the Provo-Orem, Utah Metropolitan Statistical Area, which includes all of Utah and Juab counties. The 2020 population was 98,129, while the 2010 population was 88,328 making it the 5th most populous city in Utah. Utah Valley University is located in Orem.
SourceOur Expert Public Adjusters Work Exclusively For You To Ensure You Get The Highest Settlement Possible From Your Property Insurance Claim After A Disaster.