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, and policy terms.

SF 2233 requires Iowa property and casualty insurers to provide policyholders with specific claim-related information within 15 days of request, including policy copies, payment details, internal communications, and claim adjustments. It prohibits insurers from including unfair deadlines for loss notice, depreciation recovery, or lawsuit filing (less than 5 years for denied claims) in policies, and mandates written notice of these deadlines. The bill also clarifies that insurers must cover consequential damage during repairs and bear the burden of proving repairs achieve a "reasonably similar appearance" to pre-loss condition. These changes directly affect Iowa homeowners and businesses with property insurance by increasing transparency and fairness in claim handling.