Iowa

Your AI Accident Assistant for Iowa.

We handle Iowa property-damage claims end-to-end — body shop, rental, total loss, diminished value, loss-of-use, and recovery dollars.

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How Iowa treats your claim

Total loss threshold: 70% of fair market value
Appraisal clause: Available on request
Diminished value (DV) recovery: Recoverable
Loss-of-use (extended rental): Recoverable as damages
Statute of limitations: 5 years
Small claims cap: $6,500
Fault rule: Modified 51% bar
First-party PA license: Required to negotiate on consumer's behalf

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What Claimoe does for Iowa claims

· Drafts every adjuster email for your approval, with Iowa-specific language and citations.
· Calculates your diminished value using the 17c framework.
· Tracks the 60-day appraisal-clause window and invokes it on your behalf when appropriate.
· Files loss-of-use extensions if your rental cap expires before repair completes.
· Watches your case 24/7 and only pings you when you need to decide.

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Drafted by AI · Iowa rules summarized for general information; not legal advice. We update each state as carriers and legislatures change. Source citations linked from your case dashboard.