reglab/housing_qa huggingface dataset:
IA Code § 515.125 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 515 - INSURANCE OTHER THAN LIFE|Section 515.125 - Forfeiture of policies — notice.

515.125 Forfeiture of policies — notice.   1. Unless otherwise provided in section 515.127, 515.128, 515.129, 515.129A, 515.129B, or 515.129C, a policy or contract of insurance provided for in this chapter shall not be forfeited, suspended, or canceled except by notice to the insured as provided in this chapter. A notice of cancellation is not effective unless mailed or delivered by the insurer to the named insured at least thirty days before the effective date of cancellation or, where cancellation is for nonpayment of a premium, assessment, or installment provided for in the policy, or in a note or contract for the payment thereof, at least ten days prior to the date of cancellation. The notice may be made in person, or by sending by mail a letter addressed to the insured at the insured’s address as given in or upon the policy, anything in the policy, application, or a separate agreement to the contrary notwithstanding.   2. An insurer shall not fail to renew a policy except by notice to the insured as provided in this chapter. A notice of intention not to renew is not effective unless mailed or delivered by the insurer to the named insured at least thirty days prior to the expiration date of the policy. A notice of intention not to renew is not required if the insured is transferred from an insurer to an insurance company admitted in Iowa which is an affiliate of, as defined in section 521A.1, the transferring insurer and all of the following conditions are met:   a. The transfer does not result in an interruption in coverage.   b. The rating of the affiliate from the A.M. Best company or a substitute rating service acceptable to the commissioner is the same or better than the rating of the transferring insurer.   c. The transfer results in the same or broader coverage.   d. Notice of the transfer is delivered to the insured or sent by first class mail to the insured’s last known address not less than thirty days prior to the transfer. The notice required by this paragraph is not required in the event that the insured requests or consents to the transfer.   e. The notice of transfer provides the name and telephone number of the insured’s insurance producer, agent, or agency, if any.   3. If the reason does not accompany the notice of cancellation or nonrenewal, the insurer shall, upon receipt of a timely request by the named insured, state in writing the reason for cancellation or nonrenewal.  [C97, §1727; C24, 27, 31, 35, 39, §8959; C46, 50, 54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §515.80]  87 Acts, ch 132, §3; 88 Acts, ch 1112, §404; 90 Acts, ch 1234, §38; 2002 Acts, ch 1111, §17; 2007 Acts, ch 152, §9, 58  CS2007, §515.125  2008 Acts, ch 1074, §9; 2010 Acts, ch 1121, §18; 2011 Acts, ch 70, §29; 2015 Acts, ch 128, §23, 50, 51  Referred to in §509B.5, 515.115, 515.126, 515D.7  Continuation rights and notice under group accident and health insurance, see §509B.5  See §515D.5, 515D.7
IA Code § 515.126 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 515 - INSURANCE OTHER THAN LIFE|Section 515.126 - Cancellation of policy — notice to insured or mortgagee.

515.126 Cancellation of policy — notice to insured or mortgagee.   1. Unless otherwise provided in section 515.127, 515.128, 515.129, 515.129A, 515.129B, or 515.129C, at any time after the maturity of a premium, assessment, or installment provided for in the policy, or a note or contract for the payment thereof, or after the suspension, forfeiture, or cancellation of a policy or contract of insurance, the insured may pay to the company the customary short rates and costs of action, if one has been commenced or judgment rendered thereon, and may, if the insured so elects, have the policy and all contracts or obligations connected with the policy, whether in judgment or otherwise, canceled, and all such policy and contracts shall be void; and in case of suspension, forfeiture, or cancellation of a policy or contract of insurance, the insured is not liable for a greater amount than the short rates earned at the date of the suspension, forfeiture, or cancellation and the costs of action provided for in this section.   2. If the policy is canceled by the insurance company, the insurer may retain only the pro rata premium, and if the initial cash premium, or any part of the premium, has not been paid, the policy may be canceled by the insurance company by giving notice to the insured as provided in section 515.125 and ten days’ notice to the mortgagee, or other person to whom the policy is made payable, if any, without tendering any part of the premium, anything to the contrary in the policy notwithstanding.  [C97, §1728; S13, §1728; C24, 27, 31, 35, 39, §8960; C46, 50, 54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §515.81]  87 Acts, ch 132, §4; 88 Acts, ch 1112, §405; 90 Acts, ch 1234, §39; 2007 Acts, ch 152, §10, 59  CS2007, §515.126  2011 Acts, ch 70, §30  Referred to in §515.115  See §515D.5, 515D.7
IA Code § 515.128 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 515 - INSURANCE OTHER THAN LIFE|Section 515.128 - Nonrenewal of commercial lines policies or contracts.

515.128 Nonrenewal of commercial lines policies or contracts.   1. An insurer shall not fail to renew a commercial line policy or contract of insurance except by notice to the named insured as provided in this section.   2. A notice of nonrenewal is not effective unless mailed or delivered by the insurer to the named insured and any loss payee at least forty-five days prior to the expiration date of the policy. If the insurer fails to meet the notice requirements of this section, the insured has the option of continuing the policy for the remainder of the notice period plus an additional thirty days at the premium rate of the existing policy or contract. A post office department certificate of mailing to the named insured at the address shown in the policy or contract is proof of receipt of the mailing.   3. This section applies to all forms of commercial property and casualty insurance written pursuant to this chapter. It does not apply if the insurer has offered to renew or if the insured fails to pay a premium due or any advance premium required by the insurer for renewal. A notice of nonrenewal is not required if the insured is transferred from an insurer to an insurance company admitted in Iowa which is an affiliate of, as defined in section 521A.1, the transferring insurer and all of the following conditions are met:   a. The transfer does not result in an interruption in coverage.   b. The rating of the affiliate from the A.M. Best company or a substitute rating service acceptable to the commissioner is the same or better than the rating of the transferring insurer.   c. The transfer results in the same or broader coverage.   d. Notice of the transfer is delivered to the insured or sent by first class mail to the insured’s last known address not less than forty-five days prior to the transfer. The notice required by this paragraph is not required in the event that the insured requests or consents to the transfer.   e. The notice of transfer provides the name and telephone number of the insured’s insurance producer, agent, or agency, if any.  88 Acts, ch 1112, §407  C89, §515.81B  2002 Acts, ch 1111, §18; 2007 Acts, ch 152, §12  CS2007, §515.128  2013 Acts, ch 124, §19; 2015 Acts, ch 128, §24, 50, 51  Referred to in §515.125, 515.126, 515.129, 515D.7  See §515D.7
IA Code § 515.128A (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 515 - INSURANCE OTHER THAN LIFE|Section 515.128A - Material changes in commercial lines policies or contracts — notice required.

515.128A Material changes in commercial lines policies or contracts — notice required.   1. If an insurer has an increase in the premium rates of twenty-five percent or more, an increase in the deductible of twenty-five percent or more, or a material reduction in the limits or coverage of the policy or contract, the insurer shall notify the named insured by a letter of explanation of the changes by mail at least forty-five days prior to the expiration date of the policy or contract. However, a premium charge that is assessed after the beginning date of the policy or contract period for which the premium is due shall not be deemed a premium increase for the purposes of this section.   2. If the insurer fails to meet the notice requirements of this section, the named insured has the option of continuing the policy or contract for the remainder of the notice period plus an additional thirty days at the premium rate of the existing policy or contract. A post office department certificate of mailing to the named insured at the address shown in the policy or contract is proof of receipt of the mailing.  2013 Acts, ch 124, §20
IA Code § 515.129A (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 515 - INSURANCE OTHER THAN LIFE|Section 515.129A - Cancellation of personal lines policies or contracts.

515.129A Cancellation of personal lines policies or contracts.   1. After a personal lines policy or contract of insurance has been in effect for sixty days or more, the policy or contract shall not be canceled except by notice to the insured as provided in this chapter.   2. Notice of cancellation of a personal lines policy or contract of insurance is not effective unless the cancellation is based on one or more of the following reasons:   a. Nonpayment of premium.   b. Failure to pay dues or fees where payment of dues or fees is a prerequisite to obtaining or continuing insurance coverage in force.   c. Discovery of fraud or material misrepresentation made by or with the knowledge of the named insured in obtaining, continuing, or presenting a claim under the policy.   d. Actions by the insured which substantially change or increase the risk insured.   e. The insured has acted in a manner which the insured knew or should have known was in violation or breach of a term or condition of the insurance policy or contract.   f. The occurrence of a change in the risk that substantially increases a hazard insured against after insurance coverage has been issued or renewed.  2010 Acts, ch 1121, §19; 2011 Acts, ch 70, §31  Referred to in §515.125, 515.126, 515D.5  See §515D.5
IA Code § 515.129B (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 515 - INSURANCE OTHER THAN LIFE|Section 515.129B - Nonrenewal of personal lines policies or contracts.

515.129B Nonrenewal of personal lines policies or contracts.   1. An insurer shall not refuse to renew a personal lines policy or contract of insurance unless at least thirty days before the end of the policy or contract period the insurer delivers, mails, or electronically transmits to the first named insured, at the last known address of the first named insured, written notice of the insurer’s intention not to renew the policy or contract upon expiration of the current policy or contract period as provided in section 515.129C. Proof of such mailing, electronic transmission, or delivery to the first named insured’s last known address shall be maintained by the insurer.   2. The notice of intention not to renew shall include or be accompanied by a written explanation of the insurer’s specific reason or reasons for the nonrenewal.   3. The transfer of a policy between affiliates of an insurance company shall not be considered a nonrenewal.  2010 Acts, ch 1121, §20  Referred to in §515.125, 515.126, 515D.7  See §515D.7
IA Code § 515.129C (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 515 - INSURANCE OTHER THAN LIFE|Section 515.129C - Notice of renewal or nonrenewal of personal lines policies or contracts.

515.129C Notice of renewal or nonrenewal of personal lines policies or contracts.   1. At least thirty days before the end of the policy or contract term, an insurer shall mail or deliver to the last known address of the first named insured a renewal policy or contract, an offer to renew the current policy or contract, or a notice of nonrenewal of the policy or contract. Information concerning the renewal policy or contract, the offer to renew the policy or contract, or the notice of nonrenewal of the policy or contract shall also be mailed, delivered, or transmitted electronically to the last known address of the producer of record of the policy or contract.   a. An offer to renew the policy or contract shall state the renewal premium and the date that the premium is due. The renewal premium shall be based on the known exposure as of the date of the offer to renew.   b. If the renewal premium is not received by the due date or the policy or contract expiration date, whichever is later, the policy or contract lapses.   2. If an insurer fails to comply with the notice requirements of this section, the policy or contract shall be extended on the same terms and conditions for another policy or contract term or until the effective date of similar insurance procured by the insured, whichever is earlier. The insurer may make continued coverage contingent upon the payment of premium.   3. Renewal of a policy or contract does not constitute a waiver or estoppel with respect to grounds for cancellation that existed before the effective date of the renewal.  2010 Acts, ch 1121, §21  Referred to in §515.125, 515.126, 515.129B, 515D.7  See §515D.7
IA Code § 515.130 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 515 - INSURANCE OTHER THAN LIFE|Section 515.130 - Short rates.

515.130 Short rates.   The commissioner of insurance shall prepare and promulgate tables of the short rates provided for in section 515.132, for the various kinds and classes of insurance governed by the provisions of this chapter, which, when promulgated, shall be for the guidance of all companies covered in this chapter and shall be the rate to be given in any notice therein required. No company shall discriminate unfairly between like assureds in the rate or rates so provided.  [C97, §1729; C24, 27, 31, 35, 39, §8961; C46, 50, 54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §515.82]  2007 Acts, ch 152, §14, 61; 2007 Acts, ch 215, §256  CS2007, §515.130  2008 Acts, ch 1074, §11
IA Code § 515.131 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 515 - INSURANCE OTHER THAN LIFE|Section 515.131 - Policy restored.

515.131 Policy restored.   At any time before cancellation of the policy for nonpayment of any premium, assessment, or installment provided for therein, or in any note or contract for the payment thereof, or after action commenced or judgment rendered thereon, the insured may pay to the insurer the full amount due, including court costs if any, and from the date of such payment, or the collection of the judgment, the policy shall revive and be in full force and effect, provided such payment is made during the term of the policy and before a loss occurs.  [C97, §1730; C24, 27, 31, 35, 39, §8962; C46, 50, 54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §515.83]  2007 Acts, ch 152, §15  CS2007, §515.131
IA Code § 515.132 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 515 - INSURANCE OTHER THAN LIFE|Section 515.132 - Right of insured to cancel.

515.132 Right of insured to cancel.   No provision, stipulation, or agreement to the contrary in or independent of the policy or contract of insurance shall avoid or defeat the right of any insured to pay short rates and costs of action, if any, and have the policy and all contracts connected therewith, including judgments rendered thereon, canceled.  [C97, §1730; C24, 27, 31, 35, 39, §8963; C46, 50, 54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §515.84]  2007 Acts, ch 152, §16  CS2007, §515.132  Referred to in §515.130
IA Code § 515.133 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 515 - INSURANCE OTHER THAN LIFE|Section 515.133 - Copy of application — duty to provide.

515.133 Copy of application — duty to provide.   All insurance companies or associations shall, upon the issue or renewal of any policy, provide to the insured, a true copy of any application or representation of the insured which, by the terms of such policy, is made a part of the policy, or of the contract of insurance, or referred to in the contract of insurance, or which may in any manner affect the validity of such policy.  [C97, §1741; C24, 27, 31, 35, 39, §8974; C46, 50, 54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §515.94]  95 Acts, ch 185, §22; 2007 Acts, ch 152, §20  CS2007, §515.133  Referred to in §515.134  Similar provision, §511.33
IA Code § 515.134 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 515 - INSURANCE OTHER THAN LIFE|Section 515.134 - Failure to attach — effect.

515.134 Failure to attach — effect.   The omission so to do shall not render the policy invalid, but if any company or association neglects to comply with the requirements of section 515.133, the company or association shall forever be precluded from pleading, alleging, or proving any such application or representations, or any part thereof, or falsity thereof, or any parts thereof, in any action upon the policy, and the plaintiff in any such action shall not be required, in order to recover against the company or association, either to plead or prove such application or representation, but may do so at the plaintiff’s option.  [C97, §1741; C24, 27, 31, 35, 39, §8975; C46, 50, 54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §515.95]  2007 Acts, ch 152, §21, 62  CS2007, §515.134  2016 Acts, ch 1011, §98  Similar provision, §511.34
IA Code § 515.135 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 515 - INSURANCE OTHER THAN LIFE|Section 515.135 - Presumption as to value.

515.135 Presumption as to value. Repealed by 2011 Acts, ch 70, §48.
IA Code § 515.136 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 515 - INSURANCE OTHER THAN LIFE|Section 515.136 - Value of building — liability.

515.136 Value of building — liability.   An insurance company or association shall be liable for the actual cash value of the property insured at the date of the loss, unless such value exceeds the amount stated in the policy.  [C97, §1742; C24, 27, 31, 35, 39, §8977; C46, 50, 54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §515.97]  2007 Acts, ch 152, §23  CS2007, §515.136  2013 Acts, ch 124, §21
IA Code § 515.137 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 515 - INSURANCE OTHER THAN LIFE|Section 515.137 - Prima facie right of recovery.

515.137 Prima facie right of recovery.   In an action on such policy it shall only be necessary for the insured to prove the loss of the building insured, and that the insured has given the company or association notice in writing of such loss, accompanied by an affidavit stating the facts as to how the loss occurred, so far as they are within the insured’s knowledge, and the extent of the loss.  [C97, §1742; C24, 27, 31, 35, 39, §8978; C46, 50, 54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §515.98]  2007 Acts, ch 152, §24, 63  CS2007, §515.137  Similar provisions, §511.35, 514A.3, 518A.19
IA Code § 515.138 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 515 - INSURANCE OTHER THAN LIFE|Section 515.138 - Notice of loss of or damage to personal property by hail.

515.138 Notice of loss of or damage to personal property by hail.   In case of loss or damage to growing crops by hail, notice of such loss or damage must be given to the company by the insured by mailing a certified mail letter within ten days from the time such loss or damage occurs.  [C46, 50, 54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §515.100]  2007 Acts, ch 152, §26  CS2007, §515.138  2008 Acts, ch 1074, §12
IA Code § 515.140 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 515 - INSURANCE OTHER THAN LIFE|Section 515.140 - Unlawful combinations — exceptions.

515.140 Unlawful combinations — exceptions.   It shall be unlawful for two or more insurance companies doing business in this state, or for the officers, agents, or employees of such companies, to make or enter into any combination or agreement relating to the rates to be charged for insurance, the amount of commissions to be allowed agents for procuring the same, or the manner of transacting the insurance business within this state, but any number of insurance companies may appoint the same person or persons, who shall be residents of the state of Iowa, as their common agent or agents for the purpose of filing, in the manner prescribed by the insurance commissioner of Iowa, the forms of policies and of all permits and riders used generally throughout the state, as required by the laws of this state to be examined and approved by the said commissioner.  [C97, §1754; C24, 27, 31, 35, 39, §9010; C46, 50, 54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §515.131]  2007 Acts, ch 152, §38  CS2007, §515.140  Referred to in §515.141, 515.145, 515A.19
IA Code § 515.141 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 515 - INSURANCE OTHER THAN LIFE|Section 515.141 - Examination of officers and employees.

515.141 Examination of officers and employees.   1. The commissioner of insurance is authorized to issue a subpoena for examination under oath, to any officer, agent, or employee of any company suspected of violating any of the provisions of section 515.140.   2. Upon the filing of a written, verified complaint with the commissioner by two or more residents of this state alleging that a company has violated section 515.140, the commissioner shall issue a subpoena for examination under oath to any officer, agent, or employee of the company.  [C97, §1755; C24, 27, 31, 35, 39, §9012; C46, 50, 54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §515.133]  2003 Acts, ch 91, §38; 2007 Acts, ch 152, §39, 69  CS2007, §515.141  2008 Acts, ch 1074, §13  Referred to in §515.153
IA Code § 515.142 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 515 - INSURANCE OTHER THAN LIFE|Section 515.142 - Transfers pending investigation.

515.142 Transfers pending investigation.   Any transfer of the stock of any company organized under this chapter, made pending any investigation, shall not release the party making the transfer from any liability for losses which may have accrued previous to such transfer.  [C73, §1151; C97, §1734; C24, 27, 31, 35, 39, §8967; C46, 50, 54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §515.88]  2007 Acts, ch 152, §17  CS2007, §515.142  2008 Acts, ch 1074, §14
IA Code § 515.143 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 515 - INSURANCE OTHER THAN LIFE|Section 515.143 - Revocation of certificate of foreign company.

515.143 Revocation of certificate of foreign company.   The commissioner of insurance may examine the condition and affairs of any insurance company, as provided for in this chapter, doing business in this state, not organized under its laws, or cause such examination to be made by a person appointed by the commissioner having no interest in any insurance company; and if it appears to the commissioner’s satisfaction that the affairs of a company are in an unsound condition or that a company has failed to maintain the capital and surplus required by section 515.69, the commissioner shall revoke or suspend the certificates granted in its behalf.  [C73, §1152; C97, §1735; C24, 27, 31, 35, 39, §8968; C46, 50, 54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §515.89]  91 Acts, ch 213, §28; 2007 Acts, ch 152, §18  CS2007, §515.143