Iowa Disaster Declarations

APRIL 15, 2019:  On March 27, Iowa Commissioner of Insurance Doug Ommen requested that insurers provide leniency after significant storms impacted the State. In light of this current disaster in the State of Iowa, NCSF will be implementing safeguards to protect our Members affected by this disaster.

Moratorium on cancellations: For any cancellation notice issued on or after March 17, 2019 on any in-force policy issued to an affected policyholder, NCSF shall withdraw the cancellation and reinstate the policy with no lapse in coverage. In addition, NCSF shall not issue any new cancellation notices to affected policyholders until June 17, 2019, or a later time if deemed reasonable given an individual consumer’s circumstance.

Other insurance-related time-period extensions: NCSF will grant to affected policyholders an extension of any and all policy provisions or other requirements that impose a time limit for an insured or claimant to perform any act, including the submission of a claim or proof of loss, reporting of information, or payment of funds. Such extension shall be for a minimum of 60 days from the last date allowed or required under the terms of the contract or allowed or required by the insurer, or longer if deemed reasonable given an individual consumer’s circumstance.

Please note that Members may contact the Iowa Insurance Division in order to file a complaint regarding any disaster-related dispute or issue. Consumers may call the Division’s Consumer Advocate at 1-515-281-4038, or file a complaint online at: https://iid.iowa.gov/insurance-consumer-complaint.

For additional information regarding this and other items of interest, here is a link to the Iowa Insurance Division website: https://iid.iowa.gov/.