Recent changes in Iowa law are shaking up the roofing industry, introducing new restrictions that directly impact how contractors handle insurance claims. Iowa now prohibits roofing contractors from acting on behalf of homeowners when negotiating insurance claims, a move that aligns with similar laws in other states.
This shift creates a challenge for roofing contractors who have long assisted clients in navigating the claims process. The good news is that Continental Adjusters is here to help.
The new law in Iowa (House File 2399) prevents roofing contractors from:
- Acting as public adjusters or negotiating with insurance companies on behalf of property owners
- Advertising or implying they can handle the claims process
- Receiving referral fees or compensation for assisting with claims
Contractors who violate these restrictions could face legal penalties and loss of business opportunities.
Where Else Do These Laws Exist?
Iowa isn’t alone in enforcing these regulations. Several states have similar laws that separate roofing contractors from the insurance claims process, including:
Florida – Strict licensing requirements for public adjusters and contractor restrictions
Texas – Contractors cannot negotiate claims unless they are licensed public adjusters
Colorado – Prohibits contractors from handling claims or offering to negotiate with insurers
North Carolina – Explicitly prevents contractors from engaging in public adjusting without a license
This trend is spreading nationwide, making it more critical than ever for contractors to stay compliant.
How Continental Adjusters Can Serve as Your Licensed Public Adjuster
With these legal changes, Continental Adjusters can step in as your trusted licensed public adjuster, ensuring compliance while helping property owners get the settlements they deserve.
Why Partner with Us?
- Licensed and experienced adjusters who handle claim negotiations legally and effectively
- A seamless process that allows contractors to focus on roofing while we manage claims
- Guaranteed compliance with state laws to protect your business from legal risks
- Nationwide coverage, including Iowa and other states with similar restrictions
The Bottom Line: Avoid Legal Risks and Secure More Claims
If you’re a roofing contractor in Iowa or another state with similar laws, you can no longer handle insurance negotiations directly. That doesn’t mean you have to lose business. Continental Adjusters can serve as your licensed public adjuster, ensuring your clients get the best outcomes without legal complications.
Let’s talk about how we can support your business. Contact us today to stay compliant and competitive in the evolving roofing industry.