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2026 Legislative Session
Senate File 2233 and House Study Bill 702 are the focus for the 2026 legislative session in Iowa. Both bills focus on reforms to property and casualty insurance practices, including insurer obligations for responding to information requests, claims processing timelines, loss calculations, adjustments, payments and related policy terms.
HSB 702 focuses on insurer responsibilities for responding to insureds’ requests for information and establishing timelines and standards for claim handling.
The bill would require insurers to provide specific documents and details (such as policies, claim applications, contact information for claim representatives, and accounting of claim payments) within set timeframes and would also make changes to how loss calculations, adjustments, claim payments, certain policy terms, and aerial image use are treated under Iowa insurance law. It was introduced on February 10, 2026.
SF 2233 is a bill relating to property and casualty insurance practices, specifically addressing insurers’ obligations around requests for information and timelines for handling claims.
It would set requirements for how insurers respond to policyholders’ information requests, establish expectations for claim processing timelines, and clarify rules on loss calculations, adjustments, payment of claims, and certain policy terms under Iowa law. The bill was introduced in the Senate on February 9, 2026.
Why We’re at the Capitol
Insurance companies spend millions each year lobbying to weaken consumer protections.
The 2025 session showed how aggressively the insurance lobby is working to roll back consumer protections.
- Thanks to member support and coordinated lobbying, IAPIA helped stop HF 957/HSB 246 — but SF 619 still became law.
- The insurance industry continues to push legislation that erodes consumer rights. While we successfully stopped some of the worst provisions, SF 619 shows how much work still needs to be done.
- We must stay vigilant: insurers will continue to push for bills that limit policyholder rights.
Read our 2025 legislative recap here.
Without a united voice from public adjusters, contractors, and attorneys, Iowa policyholders are left vulnerable. IAPIA exists to level the playing field and push for laws that protect homeowners, not insurers.
What We’re Fighting For in 2026
IAPIA’s 2026 legislative agenda is built around five key focus areas that all share one goal: protecting Iowa policyholders and restoring balance in the claims process. Each proposal ties into existing sections of Iowa’s insurance laws that are either too vague, too weak, or completely reserved, with no protections at all. Together, these reforms would fill gaps in the current law, reverse the harmful effects of SF 619 (SJ 678), and ensure that policyholders, not insurers, control the outcome of their claims.
2025 Legislative Session
The 2025 session was one of the most active years in recent memory for legislation affecting Iowa policyholders. Several bills were introduced that threatened to weaken consumer protections and limit access to public adjusters. With the support of our members, IAPIA worked tirelessly to oppose harmful provisions and advocate for fairer laws.
HF 957 / HF 982 / HSB 246
These bills included fee caps on public adjusters, restrictions on inspections, and a redefinition of “amount of loss” that would have limited homeowners’ rights. Thanks to strong opposition, they were ultimately withdrawn.
SF 619 / SJ 678
This bill passed despite our objections. It restricts assignment of benefits, and introduces problematic licensing rules for adjusters and appraisers. One positive: it finally requires carrier adjusters to be licensed, a step toward accountability.
