- Ask your insurance agent if there is anything you can do to keep the current coverage, e.g., fixing a roof, cleaning debris from the property, removing animals, etc.
- Ask your insurance agent to shop for replacement coverage in the voluntary market. Many agents have other insurance carriers that may be willing to insure your property.
- If you are unsuccessful in finding voluntary coverage, ask your insurance agent for assistance in applying for coverage through the Iowa FAIR Plan Association. All applications for coverage must be submitted by a licensed insurance agent.
- If you need help finding an insurance agent willing to help you with an Iowa FAIR Plan Association application contact us.
- Read the Frequently Asked Questions (FAQ) for more information.
The Iowa FAIR Plan Association does not guarantee policy issue. Non-acceptable dwelling or commercial risks include any property that:
- is vacant or unoccupied or;
- has one or more open claim(s) or;
- has unrepaired damages from any previous claim(s) or;
- is non-compliant with local building codes and/or condemned.
Additionally, properties are ineligible for the Homeowners 8 Program if there are unsafe conditions, including, but not limited to:
- broken, cracked, uneven or otherwise faulty steps, porches, decks, sidewalks, patios and/or similar areas;
- downspouts or drains which discharge onto sidewalks and/or driveways;
- an unfenced swimming pool or private pond;
- missing or unsafe handrails when three or more steps are present;
- the property has non-operating vehicles, refrigerators, trampolines or other potentially dangerous objects in the yard;
- ownership of dogs that are known to be dangerous including, but not limited to,: Pit Bull, Chow Chow, Rottweiler, Akita, Bullmastiff, Greyhound, Briard, Malamute, Boxer, Persa Canario, Husky, Australian Cattle Dog, Dalmatian, Mastiff, Old English Sheep Dog, Belgian Shepherd, Malinois, Great Dane, Border Collie, Doberman,, German Shepherd, Shar-Pei, and Great Pyrenese or;
- Ownership of three or more horses or other riding animals, unless the applicant has a liability policy with limits of at least $100,000 per occurrence providing coverage for the ownership and use of the horses or other riding animals.
Complete underwriting rules and eligibility guidelines are available on the website.
Contact us if you are in one of the counties affected by the flood and need a grace period during which you can take actions necessary to keep your insurance policy in force. As of September 27, 2016 the following counties are affected: Allamakee, Benton, Black Hawk, Bremer, Buchanan, Butler, Cedar, Cerro Gordo, Chickasaw, Delaware, Floyd, Franklin, Hancock, Linn, Mitchell, Worth and Wright.