2009 Iowa Code
Title 13 - Commerce
Subtitle 1 - Insurance and Related Regulation
CHAPTER 515 - INSURANCE OTHER THAN LIFE
515.101 - CONDITIONS AND STIPULATIONS INVALIDATING POLICY -- AVOIDANCE -- PLEADINGS -- APPLICABILITY.

        515.101  CONDITIONS AND STIPULATIONS INVALIDATING
      POLICY -- AVOIDANCE -- PLEADINGS -- APPLICABILITY.
         1.  Any condition or stipulation in an application, policy, or
      contract of insurance making the policy void before the loss occurs
      shall not prevent recovery on the policy by the insured, if the
      plaintiff shows that the failure to observe such provision or the
      violation thereof did not contribute to the loss.
         2.  Any such condition or stipulation in an application, policy,
      or contract of insurance that refers to any of the following shall
      not be changed or affected by the provisions of subsection 1:
         a.  Any other insurance, valid or invalid.
         b.  Vacancy of the insured premises.
         c.  The title or ownership of the property insured.
         d.  Liens or encumbrances on the property insured created by
      the voluntary act of the insured and within the insured's control.
         e.  Suspension or forfeiture of the policy during default or
      failure to pay any written obligation given to the insurance company
      for the premium.
         f.  The assignment or transfer of such policy of insurance
      before the loss occurs without the consent of the insurance company.

         g.  The removal of the property insured.
         h.  A change in the occupancy or use of the property insured,
      if such change or use makes the risk more hazardous.
         i.  Fraud, concealment, or misrepresentation of an insured.
         3.  Subsections 1 and 2 shall not be construed to change
      limitations or restrictions related to the pleading or proving of any
      defense by any insurance company to which the company is subject by
      law.
         4.  The provisions of subsections 1, 2, and 3 apply to all
      contracts of insurance on real and personal property.  

         Section History: Early Form

         [C97, § 1743; S13, § 1743; C24, 27, 31, 35, 39, § 8980; C46,
      50, 54, 58, 62, 66, 71, 73, 75, 77, 79, 81, § 515.101] 

         Section History: Recent Form

         2007 Acts, ch 152, §64; 2009 Acts, ch 145, §23