A bill for an act relating to insurer’s requests for information and claim timelines, and property and casualty insurer’s loss calculations, adjustments, payments of claims, policy terms, and aerial images.

This bill requires property and casualty insurers in Iowa to provide insureds with specific policy and claim details within 15 days of a request, including policy copies, claim applications, internal communications, and payment records. It prohibits insurers from including unfair deadlines in policies, such as short timeframes for recovering depreciation (must be at least one year after payment) or limiting lawsuit filing windows for denied claims (minimum five years from loss or two years from denial). Insurers must also give written notice of these deadlines 90 days in advance. The bill directly affects homeowners and renters filing property insurance claims by increasing transparency and preventing restrictive policy terms.