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SF 619IOWASession 2025-2026State BillSigned into law
Enacted

Iowa enacts disaster recovery housing programs, insurance adjuster regulations, and economic emergency fund provisions

Original title: A bill for an act relating to the natural hazard mitigation financing program, the disaster recovery housing assistance program, the disaster recovery new housing program, post-loss assignment of benefits, the licensing and regulation of adjusters, appraisers, and umpires, and the Iowa economic emergency fund, and providing penalties, making appropriations, and including effective date and applicability provisions. (Formerly SF 591 , SSB 1188 .) Effective date: 04/22/2025, 07/01/2025. Applicability date: Conditional, 01/01/2024.

Last action · May 30, 2025: NOBA: Final

Bill progressHistory & official text ↓
Introduced
Committee
Floor Vote
Passed
Law

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What This Bill Does

Iowa establishes new and disaster recovery housing programs, regulates post-loss , and sets licensing rules for insurance adjusters, appraisers, and umpires with effective dates in April and July 2025.

Why it matters

Property owners, insurance claimants, and disaster recovery applicants face new rules regarding housing assistance, insurance claim payouts, and professional licensing standards for adjusters and appraisers.

Who It Affects

Groups the bill's text affects, as described in the record. Being affected is not a position for or against it.

Directly affected

Property owners

Property owners are subject to new rules regarding post-loss assignment of benefits and gain access to disaster recovery housing assistance programs.

Directly affected

Insurance adjusters, appraisers, and umpires

These professionals are subject to new licensing and regulation requirements under the legislation.

Key Facts

You don't have to trust us. Each fact below is taken straight from the official document - click any one to see the exact passage, highlighted in the original.

Frequently Asked Questions

What programs and regulations are created by this legislation?
The bill relates to the financing program, the disaster recovery housing assistance program, the disaster recovery new housing program, post-loss , and the licensing of adjusters, appraisers, and umpires.
When do these provisions take effect?
The effective dates are April 22, 2025, and July 1, 2025, with a conditional applicability date of January 1, 2024.

What else do you want to know?

News Coverage

No news coverage found yet. Articles are indexed twice daily.

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Votes, people, money & the original source

Where This Stands

Current status: Signed into law.

Procedural history

62 actions
  1. May 30, 2025Iowa Legislature
    NOBA: Final
  2. Apr 24, 2025House
    Explanation of vote. H.J. 1070 .
  3. Apr 22, 2025SenateEnrolled
    Signed by Governor . S.J. 860 .
  4. Apr 21, 2025Senate
    Reported correctly enrolled, signed by President and Speaker, and sent to Governor. S.J. 844 .
  5. Apr 21, 2025House
    Message from House. S.J. 831 .
  6. Apr 17, 2025House
    Withdrawn. H.J. 985 .
Show 56 earlier actions
  1. Apr 17, 2025House
    SF 619 substituted. H.J. 983 .
  2. Apr 17, 2025HouseFloor
    Amendment H-1248 filed, adopted. H.J. 983 .
  3. Apr 17, 2025House
    Withdrawn. H.J. 988 .
  4. Apr 17, 2025House
    Withdrawn. H.J. 988 .
  5. Apr 17, 2025House
    Immediate message. H.J. 985 .
  6. Apr 17, 2025HouseFloor
    Passed House , yeas 91, nays 1. H.J. 984 .
  7. Apr 17, 2025House
    Substituted for HF 1012 . H.J. 983 .
  8. Apr 17, 2025HouseIntroduced
    Read first time, passed on file. H.J. 953 .
  9. Apr 17, 2025House
    Message from Senate. H.J. 952 .
  10. Apr 16, 2025Senate
    NOBA: Senate Floor
  11. Apr 16, 2025Senate
    Immediate message. S.J. 816 .
  12. Apr 16, 2025SenateFloor
    Passed Senate , yeas 47, nays 0. S.J. 816 .
  13. Apr 16, 2025SenateFloor
    Amendment S-3106 filed, adopted. S.J. 816 .
  14. Apr 16, 2025SenateFloor
    Amendment S-3103 filed, adopted. S.J. 816 .
  15. Apr 14, 2025HouseIntroduced
    Introduced, placed on Ways and Means calendar. H.J. 931 .
  16. Apr 14, 2025Iowa Legislature
    Committee report approving bill, renumbered as HF 1012 .
  17. Apr 14, 2025Senate
    Placed on Ways and Means calendar. S.J. 762 .
  18. Apr 10, 2025Iowa Legislature
    Placed on calendar.
  19. Apr 10, 2025Senate
    Committee report, recommending passage. S.J. 759 .
  20. Apr 10, 2025Iowa Legislature
    Subcommittee recommends passage.
  21. Apr 10, 2025Senate
    Subcommittee Meeting: 04/10/2025 8:30AM Senate Lounge.
  22. Apr 9, 2025House
    Committee vote: Yeas, 24. Nays, 0. Excused, 1. H.J. 924 .
  23. Apr 9, 2025House
    Committee report, recommending passage. H.J. 923 .
  24. Apr 9, 2025Senate
    NOBA: Senate Full Approps
  25. Apr 8, 2025House
    Subcommittee: Jones, Jacoby and Kaufmann. H.J. 918 .
  26. Apr 8, 2025Senate
    Subcommittee: Rowley, Dotzler, and Koelker. S.J. 736 .
  27. Apr 7, 2025SenateCommittee
    Referred to Ways and Means. S.J. 698 .
  28. Apr 2, 2025Senate
    Committee report approving bill, renumbered as SF 619 . S.J. 678 .
  29. Apr 2, 2025Senate
    Committee report, approving bill. S.J. 678 .
  30. Apr 2, 2025SenateIntroduced
    Introduced, placed on Appropriations calendar. S.J. 678 .
  31. Apr 1, 2025HouseIntroduced
    Introduced, referred to Ways and Means. H.J. 875 .
  32. Apr 1, 2025Iowa Legislature
    Committee report approving bill, renumbered as HF 982 .
  33. Mar 27, 2025House
    Committee vote: Yeas, 25. Nays, 0. H.J. 869 .
  34. Mar 27, 2025House
    Committee report, recommending amendment and passage. H.J. 868 .
  35. Mar 26, 2025Iowa Legislature
    Subcommittee recommends passage.
  36. Mar 26, 2025Iowa Legislature
    Subcommittee Meeting: 03/26/2025 12:00PM RM 304.
  37. Mar 24, 2025House
    Subcommittee: Sorensen, Mohr, G. and Zabner. H.J. 791 .
  38. Mar 20, 2025Iowa Legislature
    Subcommittee recommends passage.
  39. Mar 19, 2025Senate
    Subcommittee Meeting: 03/20/2025 8:00AM Senate Lounge.
  40. Mar 13, 2025HouseIntroduced
    Introduced, referred to Appropriations. H.J. 640 .
  41. Mar 13, 2025Iowa Legislature
    Committee report approving bill, renumbered as HF 957 .
  42. Mar 12, 2025Senate
    Subcommittee: Kraayenbrink, Bousselot, and Knox. S.J. 507 .
  43. Mar 11, 2025SenateCommittee
    Referred to Appropriations. S.J. 480 .
  44. Mar 10, 2025Senate
    Committee report, approving bill. S.J. 475 .
  45. Mar 10, 2025SenateIntroduced
    Introduced, placed on calendar. S.J. 463 .
  46. Mar 6, 2025Iowa Legislature
    Committee report approving bill, renumbered as SF 591 .
  47. Mar 5, 2025House
    Committee vote: Yeas, 17. Nays, 0. Excused, 4. H.J. 553 .
  48. Mar 5, 2025House
    Committee report, recommending amendment and passage. H.J. 553 .
  49. Mar 4, 2025Iowa Legislature
    Subcommittee recommends amendment and passage.
  50. Mar 4, 2025Iowa Legislature
    Subcommittee recommends passage.
  51. Feb 26, 2025Iowa Legislature
    Subcommittee Meeting: 03/04/2025 12:00PM Room 315.
  52. Feb 26, 2025House
    Subcommittee Meeting: 03/04/2025 7:30AM House Lounge.
  53. Feb 25, 2025Iowa Legislature
    Subcommittee: Webster, Driscoll, and Wahls.
  54. Feb 25, 2025Iowa LegislatureIntroduced
    Introduced, referred to Local Government.
  55. Feb 24, 2025House
    Subcommittee: Jones, Wheeler and Zabner. H.J. 420 .
  56. Feb 24, 2025HouseIntroduced
    Introduced, referred to Local Government. H.J. 419 .

Version history

Only one version on file - nothing to compare yet. As later stages (committee substitute, engrossed, enrolled) are captured, the redline appears here.

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Lobbying Activity

No state lobbying filings in our records match this bill. Federal lobbying reports (LDA) cover Congress, so they are not listed on state bills.

Full breakdown

Who this bill affects and the strongest case for and against it, written only from the bill’s own text.

Discoveries

1 pattern noticed across the record

Patterns POLISCOPE noticed across the record. These are observations to investigate, not conclusions.

policy shift95% confidence

Comprehensive Disaster and Insurance Reform

The bill consolidates hazard mitigation financing, housing assistance, post-loss assignment rules, and professional licensing into a single legislative package.

SF 591SSB 1188

Connected Entities

Iowa
locationIowa“Jurisdiction enacting the legislation”Map →

Sources

Open source document

www.legis.iowa.gov

Analysis Score

0–100
  • Significance75
    How much this matters to a regular citizen
  • Controversy30
    Intensity of disagreement among stakeholders
  • Entertainment10
    Compellingness for a non-policy-wonk reader
  • Buzz40
    Current news / social attention level

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