Iowa Code » Chapter 515 — INSURANCE OTHER THAN LIFE
Iowa Code

Iowa Code § 515.138 (2026)

Notice of loss of or damage to personal property by hail

✓ current as of July 2026
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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

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Notes of Decisions
Cited in 22 cases, 1960–2014 · leading case: Terra Indus., Inc. v. Commonwealth Ins. Co. of Am., 981 F. Supp. 581 (N.D. Iowa 1997).
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Terra Indus., Inc. v. Commonwealth Ins. Co. of Am., 981 F. Supp. 581 (N.D. Iowa 1997). · cites it 37× “” The terms of a fire insurance policy dictated by statute are set forth in Iowa Code § 515.138 (6). Terra asserts that, even though the terms of the IRI Policy are dictated by statute, the rule of contra proferentem — -the principle that the policy is construed against the…”
Sager v. Farm Bureau Mut. Ins. Co., 680 N.W.2d 8 (Iowa 2004). · cites it 22× “Iowa Code § 515.138 After Vance was decided, however, a new question arose in other jurisdictions: If an innocent coinsured spouse is denied coverage under the express terms of the policy, do those policy provisions then violate the mandatory coverage provisions in state…”
Scheetz v. IMT Ins. Co.(Mut.), 324 N.W.2d 302 (Iowa 1982). · cites it 20× “Iowa Code § 515.138 Second (1979). Section 515.”
Michelle Postell v. Am. Fam. Mut. Ins. Co., 823 N.W.2d 35 (Iowa 2012). · cites it 8× “” Iowa Code § 515.138 (2003). Instead, it exclusively referred to “the insured” sixteen times.”
Hoekstra v. Farm Bureau Mut. Ins. Co., 382 N.W.2d 100 (Iowa 1986). · cites it 10× “Iowa Code § 515.138 (1981) (emphasis added).”
Olson Enter., Inc. v. Citizens Ins. Co. of New Jersey, 121 N.W.2d 510 (Iowa 1963). · cites it 6× “It was an Iowa standard fire policy and two of its provisions were identical with the statutory provisions appearing in section 515.138, 1962 Code of Iowa, as follows: “When loss payable.”
Kintzel v. Wheatland Mut. Ins. Ass'n, 203 N.W.2d 799 (Iowa 1973). · cites it 4× “" By endorsement the policy was extended to include "direct loss by windstorm" and other named casualties.”
Stahl v. Preston Mut. Ins. Ass'n, 517 N.W.2d 201 (Iowa 1994). · cites it 2× “See Iowa Code § 515.138 (Sixth). The standard form limitations clause provides: No suit or action on this policy for the recovery of any claim shall be sustainable in any court of law or equity unless all the requirements of this policy shall have been complied with, and unless…”
Thomas v. United Fire & Cas. Co., 426 N.W.2d 396 (Iowa 1988). · cites it 4× “Iowa Code section 515.138 (1985) lists various permissible standard provisions for fire policies, including the one challenged here: No suit or action on this policy for the recovery of any claim shall be sustainable in any court of law or equity unless all the requirements of…”
Watson v. Nat'l Sur. Corp. of Chicago, 468 N.W.2d 448 (Iowa 1991). · cites it 2× “Iowa Code section 515.138 (1989) requires that this provision be contained in a fire insurance policy.”
North Glenn Homeowners Ass'n v. State Farm Fire & Cas. Co., 854 N.W.2d 67 (Iowa Ct. App. 2014). · cites it 2× “After engaging in a lengthy recitation of authority that need not be repeated here, the court held where appraisal is demanded by either party prior to suit, under a policy with the terms dictated by Iowa Code § 515.138 (6) [ (1997) ], completion of the appraisal process is a…”
Douglass v. Am. Fam. Mut. Ins. Co., 508 N.W.2d 665 (Iowa 1993). · cites it 2× “This argument is based on Iowa Code section 515.138, which specifically provides for a reduced claims period (twelve months) in fire insurance policies.”
Show all 22 citing cases →
— Iowa Code § 515.138(2) — 1 case
Terra Indus., Inc. v. Commonwealth Ins. Co. of Am., 981 F. Supp. 581 (N.D. Iowa 1997). “” The terms of a fire insurance policy dictated by statute are set forth in Iowa Code § 515.138 (6). Terra asserts that, even though the terms of the IRI Policy are dictated by statute, the rule of contra proferentem — -the principle that the policy is construed against the…”
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