reglab/housing_qa huggingface dataset:
IA Code § 515.74 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 515 - INSURANCE OTHER THAN LIFE|Section 515.74 - Foreign mutual companies — surplus.

515.74 Foreign mutual companies — surplus.   1. Any mutual insurance company organized outside of this state and authorized to transact the business of insurance on the mutual plan in any other state of the United States or in the District of Columbia, may be admitted to this state and authorized to transact herein any of the kinds of insurance authorized by its charter or articles of incorporation, when so permitted by the provisions of this chapter, with the powers and privileges and subject to the conditions and limitations specified in said chapter; provided, however, such company has complied with all the statutory provisions which require stock companies to file papers and to furnish information and to submit to examination, and is also solvent according to the requirements of this chapter and is possessed of a surplus safely invested as follows:   a. In case of a mutual company issuing policies for a cash premium without an additional contingent liability equal to or greater than the cash premium, the surplus shall be at least two million dollars.   b. In case of any other such mutual company issuing policies for a cash premium or payment with an additional contingent liability equal to or greater than the cash premium or payment, the surplus shall be such an amount as the commissioner of insurance of Iowa may require, but in no case less than three hundred thousand dollars, provided that the provisions of this section fixing a minimum surplus of three hundred thousand dollars shall not apply to companies now admitted to do business in Iowa; provided, further, that no such mutual company shall be authorized to transact compensation insurance without a surplus of at least three hundred thousand dollars unless all liability for each adjusted claim in this state, the payment of any part of which is deferred for more than one year, shall be provided for by a special deposit, in a trust company or a bank having fiduciary powers, located in this state, which shall be a trust fund applicable solely and exclusively to the payment of the compensation benefits for which such deposit is made, or shall be reinsured in an authorized stock company, or in an authorized mutual company with a surplus of at least three hundred thousand dollars.   2. Notwithstanding subsection 1, a mutual insurance company authorized to transact business under this section shall comply with the minimum surplus requirements of this section or chapter 521E, whichever is greater.  [C73, §1144; C97, §1723; C24, 27, 31, 35, 39, §8955; C46, 50, 54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §515.76]  96 Acts, ch 1046, §6; 2007 Acts, ch 152, §7  CS2007, §515.74
IA Code § 515.75 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 515 - INSURANCE OTHER THAN LIFE|Section 515.75 - Certificate to foreign company.

515.75 Certificate to foreign company.   When a foreign company has fully complied with the requirements of law and become entitled to do business, the commissioner of insurance shall issue to the company a certificate of that fact, which certificate shall be renewed annually on the first day of June, if the commissioner is satisfied that the capital, securities, and investments of the company remain unimpaired, and the company has complied with the provisions of law applicable to the company. However, the commissioner shall not grant or continue authority to transact insurance in this state to an insurer the management of which is found by the commissioner, after a hearing is provided, in which the commissioner shall establish and consider any prior criminal records or any other matters, to be untrustworthy or so lacking in insurance experience as to make the proposed operation hazardous to the insurance-buying public; or which, after a hearing is provided, the commissioner has good reason to believe is affiliated directly or indirectly through ownership, control, reinsurance transactions, or other insurance or business relations, with a person whose business operations are or have been marked, to the detriment of policyholders or stockholders or investors or creditors or of the public, by manipulation or dissipation of assets, or manipulation of accounts, or of reinsurance, or by similar injurious actions.  [C73, §1146; C97, §1724; C24, 27, 31, 35, 39, §8956; C46, 50, 54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §515.77]  91 Acts, ch 213, §27; 2007 Acts, ch 152, §8  CS2007, §515.75
IA Code § 515.76 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 515 - INSURANCE OTHER THAN LIFE|Section 515.76 - Commissioner as process agent.

515.76 Commissioner as process agent.   Any company desiring to transact the business of insurance under this chapter shall file with the commissioner of insurance a power of attorney and a signed written instrument authorizing the commissioner to accept service of notice or process on behalf of such company that shall be as valid as if served upon the company according to the laws of this or any other state, and waiving all claim or right of error due to the filing of the power of attorney and the agreement regarding service of notice or process.  [C73, §1144; C97, §1722; C24, 27, 31, 35, 39, §8952; C46, 50, 54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §515.73]  2003 Acts, ch 91, §36; 2007 Acts, ch 152, §4  CS2007, §515.76
IA Code § 515.77 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 515 - INSURANCE OTHER THAN LIFE|Section 515.77 - Service of process.

515.77 Service of process.   Any notice or service of process made on the commissioner as agent for service of process shall be made as provided in section 505.30.  [C97, §1722; C24, 27, 31, 35, 39, §8953; C46, 50, 54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §515.74]  92 Acts, ch 1162, §38; 99 Acts, ch 165, §14; 2007 Acts, ch 152, §5  CS2007, §515.77  2018 Acts, ch 1018, §8
IA Code § 515.78 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 515 - INSURANCE OTHER THAN LIFE|Section 515.78 - Foreign companies may become domestic.

515.78 Foreign companies may become domestic.   1. An insurer which is organized under the laws of any state and has created or will create jobs in this state or which is an affiliate or subsidiary of a domestic insurer, and is admitted to do business in this state for the purpose of writing insurance authorized by this chapter may become a domestic insurer by complying with section 490.902 or 491.33 and with all of the requirements of law relative to the organization and licensing of a domestic insurer of the same type and by designating its principal place of business in this state may become a domestic corporation and be entitled to like certificates of its corporate existence and license to transact business in this state, and be subject in all respects to the authority and jurisdiction thereof.   2. The certificates of authority, agent’s appointments and licenses, rates, and other items which are in existence at the time any insurer transfers its corporate domicile to this state, pursuant to this section, shall continue in full force and effect upon such transfer. For purposes of existing authorizations and all other corporate purposes, the insurer is deemed the same entity as it was prior to the transfer of its domicile. All outstanding policies of any transferring insurer shall remain in full force and effect and need not be endorsed as to any new name of the company or its new location unless so ordered by the commissioner of insurance.  [81 Acts, ch 161, §2]  C83, §515.99  89 Acts, ch 288, §193; 2007 Acts, ch 152, §25  CS2007, §515.78  2011 Acts, ch 66, §2
IA Code § 515.79 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 515 - INSURANCE OTHER THAN LIFE|Section 515.79 - Notes taken for insurance.

515.79 Notes taken for insurance. Repealed by  2007 Acts, ch 152, §84  .
IA Code § 515.91 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 515 - INSURANCE OTHER THAN LIFE|Section 515.91 - False statement of assets.

515.91 False statement of assets. Repealed by  2007 Acts, ch 152, §84  .
IA Code § 515.92 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 515 - INSURANCE OTHER THAN LIFE|Section 515.92 - Statement of capital and surplus.

515.92 Statement of capital and surplus. Repealed by  2007 Acts, ch 152, §84  .
IA Code § 515.93 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 515 - INSURANCE OTHER THAN LIFE|Section 515.93 - Violations.

515.93 Violations. Repealed by  2007 Acts, ch 152, §84  .
IA Code § 515.100 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 515 - INSURANCE OTHER THAN LIFE|Section 515.100 - Nature of organization entered on policy.

515.100 Nature of organization entered on policy.   Every domestic and foreign insurance company organized and doing business under this chapter shall indicate upon the first page of every policy and renewal receipt that the policy is issued by a mutual company in case of a mutual company, and by a stock company in case of a stock company.  [C73, §1140; C97, §1689; S13, §1689; C24, 27, 31, 35, 39, §8901; C46, 50, 54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §515.6]  2007 Acts, ch 152, §1  CS2007, §515.100
IA Code § 515.101 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 515 - INSURANCE OTHER THAN LIFE|Section 515.101 - Conditions and stipulations invalidating policy — avoidance — pleadings — applicability.

515.101 Conditions and stipulations invalidating policy — avoidance — pleadings — applicability.   1. Any condition or stipulation in an application, policy, or contract of insurance making the policy void before the loss occurs shall not prevent recovery on the policy by the insured, if the plaintiff shows that the failure to observe such provision or the violation thereof did not contribute to the loss.   2. Any such condition or stipulation in an application, policy, or contract of insurance that refers to any of the following shall not be changed or affected by the provisions of subsection 1:   a. Any other insurance, valid or invalid.   b. Vacancy of the insured premises.   c. The title or ownership of the property insured.   d. Liens or encumbrances on the property insured created by the voluntary act of the insured and within the insured’s control.   e. Suspension or forfeiture of the policy during default or failure to pay any written obligation given to the insurance company for the premium.   f. The assignment or transfer of such policy of insurance before the loss occurs without the consent of the insurance company.   g. The removal of the property insured.   h. A change in the occupancy or use of the property insured, if such change or use makes the risk more hazardous.   i. Fraud, concealment, or misrepresentation of an insured.   3. Subsections 1 and 2 shall not be construed to change limitations or restrictions related to the pleading or proving of any defense by any insurance company to which the company is subject by law.   4. The provisions of subsections 1, 2, and 3 apply to all contracts of insurance on real and personal property.  [C97, §1743; S13, §1743; C24, 27, 31, 35, 39, §8980; C46, 50, 54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §515.101]  2007 Acts, ch 152, §64; 2009 Acts, ch 145, §23
IA Code § 515.102 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 515 - INSURANCE OTHER THAN LIFE|Section 515.102 - Forms of policies and endorsements — approval.

515.102 Forms of policies and endorsements — approval.   1. The form of all policies, and of applications, and of agreements or endorsements modifying the provisions of policies, and of all permits and riders used generally throughout the state, that are issued or proposed to be issued by any insurance company doing business in this state under the provisions of this chapter, shall first be examined and approved by the commissioner of insurance.   2. The commissioner, upon a determination that the examination required under subsection 1 is unnecessary to achieve the purpose of this section, may exempt either of the following:   a. Any specified person by order, or any class of persons by rule.   b. Any specified risk by order, or any line or kind of insurance, or subdivision of insurance, or any class of risk or combination of classes of risks by rule.   3. Forms of policies issued or proposed to be issued shall provide for the cancellation of the policy at the request of the insured upon equitable terms, and the return to the insured of any premium paid in excess of the customary short rates for the insurance up to the time of cancellation, or the release of the insured from any liability beyond such short rates, or for losses after the cancellation of the policy if the insurance is issued or proposed to be issued by a mutual company.  2007 Acts, ch 152, §65  Referred to in §515.109
IA Code § 515.104 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 515 - INSURANCE OTHER THAN LIFE|Section 515.104 - Coinsurance or contribution clause.

515.104 Coinsurance or contribution clause.   Contracts of insurance against loss or damage by fire or other perils may contain a coinsurance or contribution clause or clause having similar effect, provided the form setting up the terms of the same has been approved by the commissioner of insurance.  [C97, §1746; S13, §1746; C24, 27, 31, 35, 39, §8990 – 8995, 8997; C46, 50, 54, §515.111 – 515.116, 515.118; C58, 62, 66, 71, 73, 75, 77, 79, 81, §515.111]  2007 Acts, ch 152, §29  CS2007, §515.104
IA Code § 515.105 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 515 - INSURANCE OTHER THAN LIFE|Section 515.105 - Agency relationship.

515.105 Agency relationship.   Any officer, insurance producer, or representative of an insurance company doing business in this state who may solicit insurance, procure applications, issue policies, adjust losses, or transact the business generally of such companies, shall be held to be the agent of such insurance company with authority to transact all business within the scope of the agency relationship, anything in the application, policy, contract, bylaws, or articles of incorporation of such company to the contrary notwithstanding.  [C97, §1750; C24, 27, 31, 35, 39, §9004; C46, 50, 54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §515.125]  2001 Acts, ch 16, §9, 37; 2007 Acts, ch 152, §33  CS2007, §515.105  Referred to in §511.4  Applicable to life companies, §511.4
IA Code § 515.106 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 515 - INSURANCE OTHER THAN LIFE|Section 515.106 - Limitation on termination of independent producers.

515.106 Limitation on termination of independent producers.   An insurance company organized under this chapter or authorized to do business in this state shall not terminate a contract of an insurance producer who is an independent contractor but who is not an exclusive insurance producer as defined in section 522B.1 without at least one hundred eighty days’ notice, except for loss of license, fraud, nonpayment of company premiums that are due and not in dispute by the producer, or the withdrawal of operations in the state by the insurance company. This section does not apply to insurance producers or a business entity whose contract with an insurer authorized to do business in this state contains a written provision expressly reserving to the insurer all right, title, and interest to the ownership or the use of insurance business written by such an insurance producer or business entity.  2002 Acts, ch 1111, §19  C2003, §515.125A  2007 Acts, ch 152, §34  CS2007, §515.106
IA Code § 515.107 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 515 - INSURANCE OTHER THAN LIFE|Section 515.107 - Applicability to organizations and individuals.

515.107 Applicability to organizations and individuals. Repealed by  2008 Acts, ch 1074, §19  . See §515.1.
IA Code § 515.108 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 515 - INSURANCE OTHER THAN LIFE|Section 515.108 - Insurance in unauthorized companies.

515.108 Insurance in unauthorized companies.   No action shall be maintained in any court in the state upon any policy or contract of fire insurance issued upon any property situated in the state by any company, association, partnership, individual, or individuals that have not been authorized by the commissioner of insurance to transact such insurance business, unless it shall be shown that the insurer or insured, within six months after the issuing of such policy or contract of insurance, has paid into the state treasury two percent of the gross premium paid or agreed to be paid for such policy or contract of insurance.  [C97, §1758; C24, 27, 31, 35, 39, §9016; C46, 50, 54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §515.137]  2007 Acts, ch 152, §43  CS2007, §515.108
IA Code § 515.110 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 515 - INSURANCE OTHER THAN LIFE|Section 515.110 - More favorable conditions.

515.110 More favorable conditions.   Nothing contained in section 515.109 shall be so construed as to prohibit any insurance company not required by the statutes of Iowa to issue a standard form of policy, from embodying, with the approval of the commissioner of insurance, in any insurance contract issued by it, provisions or conditions which are more favorable to the insured than those authorized in said statutes.  [C24, 27, 31, 35, 39, §8987; C46, 50, 54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §515.108]  2007 Acts, ch 152, §27, 66  CS2007, §515.110
IA Code § 515.111 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 515 - INSURANCE OTHER THAN LIFE|Section 515.111 - Nuclear loss or damage excluded.

515.111 Nuclear loss or damage excluded.   Insurers issuing the standard policy pursuant to section 515.109 are authorized to affix thereto or include therein a written statement that the policy does not cover loss or damage caused by nuclear reaction or nuclear radiation or radioactive contamination, all whether directly or indirectly resulting from an insured peril under the policy. However, that nothing contained in this section shall be construed to prohibit the attachment to any such policy of an endorsement or endorsements specifically assuming coverage for loss or damage caused by nuclear reaction or nuclear radiation or radioactive contamination.  [C62, 66, 71, 73, 75, 77, 79, 81, §515.139]  2007 Acts, ch 152, §45, 74  CS2007, §515.111  2020 Acts, ch 1063, §290  Section amended
IA Code § 515.112 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 515 - INSURANCE OTHER THAN LIFE|Section 515.112 - Violations — status of policy.

515.112 Violations — status of policy.   It shall be unlawful for any insurance company, its officers or agents, or either of them, to violate any of the provisions of section 515.109 by issuing, delivering, or offering to issue or deliver any policy of fire insurance on property in this state other than the standard form as provided in statute, but any policy so issued or delivered shall, nevertheless, be binding upon the company issuing or delivering the policy. The company shall, until the payment of a penalty assessed by order after hearing, be disqualified from doing any insurance business in this state.  [S13, §1758-c; C24, 27, 31, 35, 39, §9019; C46, 50, 54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §515.140]  2004 Acts, ch 1110, §57; 2007 Acts, ch 152, §46, 75  CS2007, §515.112  Referred to in §515.113
IA Code § 515.113 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 515 - INSURANCE OTHER THAN LIFE|Section 515.113 - Existing statutes — waiver.

515.113 Existing statutes — waiver.   Nothing contained in sections 515.109 and 515.112, nor any provisions or conditions in the standard form of policy provided for in section 515.109, shall be deemed to repeal or in any way modify any existing statutes or to prevent any insurance company issuing such policy, from waiving any of the provisions or conditions contained therein, if the waiver of such provisions or conditions shall be in the interest of the insured.  [S13, §1758-d; C24, 27, 31, 35, 39, §9020; C46, 50, 54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §515.141]  2007 Acts, ch 152, §47, 76  CS2007, §515.113
IA Code § 515.114 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 515 - INSURANCE OTHER THAN LIFE|Section 515.114 - Policy — formal execution.

515.114 Policy — formal execution.   1. Every fire insurance company and association authorized to transact business in this state shall conduct its business in the name under which it is incorporated, and the policies issued by it shall be headed or entitled only by such name. There shall not appear on the face of the policy or on its filing back anything that would indicate that it is the obligation of any other than the company responsible for the payment of losses under the policy, though it is permissible to stamp or print on the bottom of the filing back the name or names of the department or general agency issuing the same, and the group of companies with which the company is financially affiliated.   2. Nothing contained in subsection 1 shall be construed to prevent any representative of an insurance company from advertising the representative’s own individual business without specific mention of the name of the company or companies which the person may represent.  2007 Acts, ch 152, §67
IA Code § 515.120 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 515 - INSURANCE OTHER THAN LIFE|Section 515.120 - Business with nonadmitted insurers.

515.120 Business with nonadmitted insurers. Repealed by  2012 Acts, ch 1025, §21, 22  . See chapter 515I.
IA Code § 515.121 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 515 - INSURANCE OTHER THAN LIFE|Section 515.121 - Administrative penalty.

515.121 Administrative penalty. Repealed by 2012 Acts, ch 1025, §21, 22.
IA Code § 515.122 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 515 - INSURANCE OTHER THAN LIFE|Section 515.122 - Banned companies — information required.

515.122 Banned companies — information required. Repealed by 2012 Acts, ch 1025, §21, 22.