Eligibility for a FAIR Plan Policy

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.

17 Counties Declared “Disaster Emergency”

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.

Avoid a Lapse in Coverage

Notice to Producers

As you know, producers do not have binding authority. However your clients sometimes need coverage bound ASAP. This is how we can work together to avoid a lapse in coverage for your clients: [Read more…]

New Office Location

The Iowa FAIR Plan Association has moved to a new location.new office map

Iowa FAIR Plan Association
2700 Westown Pkwy Ste 415
West Des Moines, IA 50266-1431

Our telephone, FAX and email have not changed. We look forward to providing you “Fair Access to Insurance Requirements” from our new location!

IRS Form W-9

W-9The Iowa FAIR Plan Association does not contract with producers. No agency relationship is established and producers have no binding authority. The only requirement to be a producer for the Iowa FAIR Plan Association is to hold a property & casualty license issued by the Iowa Insurance Division.

It is required that an IRS Form W-9 Request for Taxpayer Identification Number and Certification be on file prior to the distribution of commission. Click here for a copy of the current W-9 Form.