The 2026 Iowa legislative session is underway, and two important bills are taking center stage for insurance reform: Senate File 2233 (SF 2233) and House Study Bill 702 (HSB 702).

These bills are focused on strengthening transparency, accountability, and fairness in property and casualty insurance claims handling across Iowa. For public adjusters, contractors, and—most importantly—policyholders, what happens with these bills will directly impact how claims are processed after storms, fires, and catastrophic losses.

What Do These Bills Do?

Both SF 2233 and HSB 702 address long-standing concerns about insurer communication and claim handling practices. At their core, these bills would:

• Establish clearer timelines for insurers to respond to policyholder information requests

• Require insurers to provide specific claim documentation when requested

• Clarify standards surrounding loss calculations, adjustments, and claim payments

• Improve transparency in the claims process

• Address certain policy terms that can limit recovery if not clearly disclosed

HSB 702 also addresses the use of aerial imagery in claims decisions, ensuring accountability when technology is used to evaluate property damage.

In short, these bills aim to level the playing field. When a homeowner experiences a loss, they deserve a fair process, clear communication, and access to the information needed to protect their claim.

Why Advocacy Matters

Insurance reform does not happen by accident. It happens because professionals and consumers step forward to educate lawmakers about real-world impacts.

Legislators hear daily from insurance company lobbyists. If they do not also hear from licensed public adjusters, contractors, and consumer advocates, critical reforms risk being overlooked or watered down.

Membership strengthens our collective voice. When more professionals stand together, lawmakers recognize that these issues are not isolated complaints—they are systemic concerns affecting Iowa families and businesses.

How You Can Help

Becoming a member ensures that legislators understand:

• The importance of transparent claim handling

• The need for reasonable timelines and accountability

• The real-world challenges policyholders face after catastrophic loss

Your membership supports lobbying efforts, legislative monitoring, and direct engagement with lawmakers throughout the session.

If you believe Iowa policyholders deserve clarity, fairness, and accountability in the claims process, now is the time to act.

Join today and help ensure SF 2233 and HSB 702 receive the attention—and support—they deserve.