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  • Who Pays For Arson?
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“After Charges” for Deficiencies in Condition

21303075_sThe Iowa FAIR Plan orders inspections on 100% of new business. Often the inspections reveal deficiencies in the condition of the property that require additional premium in the form of an after charge until the deficiency is corrected. The after charge rate is $1.00 per $1,000 of coverage on the dwelling. The following five areas are those subject to the after charge: [Read more...]

Iowa Arson Hotline

14312816_sThe Iowa FAIR Plan provides all funds needed to maintain the Iowa Arson Hotline (1-800-532-1459).  We also fund rewards based on recommendations from the State Fire Marshal. The rewards are for information that helps in the resolution of suspected arson cases.

For more information about the Iowa Division of the State Fire Marshal click here.

No Guaranteed Policy Issue

6265050_mlThe Iowa FAIR Plan does not guarantee policy issue. Non-acceptable risks include those properties that:

  • are vacant or unoccupied;
  • the dwelling and grounds are generally in poor condition;
  • open claims on previous policy(s);
  • unrepaired damages from previous claim(s);
  • the dwelling is non-compliant with local building codes and/or condemned.

All applications must qualify under the Iowa FAIR Plan’s underwriting rules and guidelines before they can be accepted and a policy issued.

Office Closed On Labor Day

The Iowa FAIR Plan office will be closed on Monday, September 1st for Labor Day. We will resume regular hours on Tuesday, September 2nd. Our regular hours are Monday – Friday 8:30 am – 4:00 pm.

Have a fun and safe holiday!

Payment Options

  • envelope with handFull payment by check or money order with the application and with the Renewal Premium Notice is preferred.
  • Checks or money orders should be made payable to the “Iowa FAIR Plan”. The Plan cannot accept cash , ETFs or credit cards.
  • Mortgagees and/or additional insureds can be billed only on renewals.
  • Optional 4-pay plan. This plan requires 40% of the premium as a down payment and the remainder in 3 equal payments at 30, 60 and 90 days plus a $5 service fee with each payment. Round all payments to the nearest dollar.