INSURANCE BAD FAITH DEMAND LETTER – IOWA

To: [Insurance Company Name, Claims Department Address]
From: [Insured/Claimant Name, via Counsel if applicable]
Date: [DATE]
Claim Number: [CLAIM NUMBER]
Policy Number: [POLICY NUMBER]
Insured: [INSURED NAME]
Date of Loss: [DATE OF LOSS]

1. INTRODUCTION

This letter demands immediate payment. Insurer's conduct constitutes bad faith under Iowa law.

2. FACTUAL BACKGROUND

• Date of Loss: [DATE] — [describe loss]
• Coverage: [$LIMITS]
• Status: [Unpaid / Underpaid / Denied]

3. LEGAL BASIS – IOWA BAD FAITH

Iowa recognizes first-party bad faith. An insured must show the insurer lacked a reasonable basis for denial and knew or recklessly disregarded the lack of basis. Dolan v. Aid Ins. Co., 431 N.W.2d 790 (Iowa 1988). Iowa Code § 507B.4 prohibits unfair claims practices.

4. DAMAGES

• Policy benefits: [$AMOUNT]
• Consequential and emotional distress damages
• Punitive damages
• Attorney's fees and costs

5. DEADLINE

[DATE – 30 days]

Signed:
[Name / Attorney]
[Contact Information]