Read the full stored bill text
Senate
File
90
-
Introduced
SENATE
FILE
90
BY
REICHMAN
A
BILL
FOR
An
Act
establishing
daylight
saving
time
as
the
official
time
1
in
this
state
throughout
the
year.
2
BE
IT
ENACTED
BY
THE
GENERAL
ASSEMBLY
OF
THE
STATE
OF
IOWA:
3
TLSB
1129XS
(1)
91
sc/ns
S.F.
90
Section
1.
Section
1D.1,
Code
2025,
is
amended
to
read
as
1
follows:
2
1D.1
Standard
time
and
daylight
Daylight
saving
time
as
3
official
time
.
4
The
standard
Daylight
saving
time
shall
be
the
official
time
5
in
this
state
.
Daylight
saving
time
is
the
solar
time
of
the
6
ninetieth
meridian
of
longitude
west
of
Greenwich,
England,
7
commonly
known
as
central
standard
time,
except
that
from
2:00
8
ante
meridiem
of
the
first
Sunday
of
April
in
every
year
until
9
2:00
ante
meridiem
of
the
last
Sunday
of
October
in
the
same
10
year,
standard
time
shall
be
advanced
one
hour.
The
period
of
11
time
so
advanced
shall
be
known
as
“daylight
saving
time”
.
12
Sec.
2.
Section
515.109,
subsection
6,
paragraph
a,
Code
13
2025,
is
amended
to
read
as
follows:
14
a.
The
form
of
the
standard
policy
(with
permission
to
15
substitute
for
the
word
“company”
a
more
accurate
descriptive
16
term
for
the
type
of
insurer)
shall
be
as
follows:
17
FIRST
PAGE
OF
STANDARD
FIRE
POLICY
18
No.
...
19
(Space
for
insertion
of
name
of
company
or
companies
issuing
20
the
policy
and
other
matter
permitted
to
be
stated
at
the
head
21
of
the
policy.)
22
(Space
for
listing
amounts
of
insurance,
rates
and
premiums
23
for
the
basic
coverages
insured
under
the
standard
form
of
24
policy
and
for
additional
coverages
or
perils
insured
under
25
endorsements
attached.)
26
IN
CONSIDERATION
OF
THE
PROVISIONS
AND
STIPULATIONS
HEREIN
27
OR
ADDED
HERETO
AND
OF
......
DOLLARS
PREMIUM
this
company,
28
for
the
term
of
......
from
the
....
day
of
.......
(month),
29
.....
(year),
to
the
....
day
of
.......
(month),
....
30
(year),
at
noon,
Standard
Time,
at
location
of
property
31
involved,
to
an
amount
not
exceeding
.........
Dollars,
does
32
insure
........
and
legal
representatives,
to
the
extent
of
33
the
actual
cash
value
of
the
property
at
the
time
of
loss,
34
but
not
exceeding
the
amount
which
it
would
cost
to
repair
or
35
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1129XS
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sc/ns
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8
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90
replace
the
property
with
material
of
like
kind
and
quality
1
within
a
reasonable
time
after
such
loss,
without
allowance
for
2
any
increased
cost
of
repair
or
reconstruction
by
reason
of
any
3
ordinance
or
law
regulating
construction
or
repair,
and
without
4
compensation
for
loss
resulting
from
interruption
of
business
5
or
manufacture,
nor
in
any
event
for
more
than
the
interest
of
6
the
insured,
against
all
DIRECT
LOSS
BY
FIRE,
LIGHTNING
AND
BY
7
REMOVAL
FROM
PREMISES
ENDANGERED
BY
THE
PERILS
INSURED
AGAINST
8
IN
THIS
POLICY,
EXCEPT
AS
HEREINAFTER
PROVIDED,
to
the
property
9
described
hereinafter
while
located
or
contained
as
described
10
in
this
policy,
or
pro
rata
for
five
days
at
each
proper
place
11
to
which
any
of
the
property
shall
necessarily
be
removed
for
12
preservation
from
the
perils
insured
against
in
this
policy,
13
but
not
elsewhere.
14
Assignment
of
this
policy
shall
not
be
valid
except
with
15
the
written
consent
of
this
company.
This
policy
is
made
and
16
accepted
subject
to
the
foregoing
provisions
and
stipulations
17
and
those
hereinafter
stated,
which
are
hereby
made
a
part
of
18
this
policy,
together
with
such
other
provisions,
stipulations
19
and
agreements
as
may
be
added
hereto,
as
provided
in
this
20
policy.
21
IN
WITNESS
WHEREOF,
this
company
has
executed
and
attested
22
these
presents.
23
........
........
24
Secretary
President
25
SECOND
PAGE
OF
STANDARD
FIRE
POLICY
26
Concealment
——
fraud.
This
entire
policy
shall
be
void
27
if,
whether
before
or
after
a
loss,
an
insured
has
willfully
28
concealed
or
misrepresented
any
material
fact
or
circumstance
29
concerning
this
insurance
or
the
subject
thereof,
or
the
30
interest
of
an
insured
therein,
or
in
case
of
any
fraud
or
31
false
swearing
by
an
insured
relating
thereto.
32
Uninsurable
and
excepted
property.
This
policy
shall
not
33
cover
accounts,
bills,
currency,
deeds,
evidences
of
debt,
34
money
or
securities;
nor,
unless
specifically
named
hereon
in
35
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1129XS
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2/
8
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90
writing,
bullion
or
manuscripts.
1
Perils
not
included.
This
company
shall
not
be
liable
for
2
loss
by
fire
or
other
perils
insured
against
in
this
policy
3
caused,
directly
or
indirectly,
by:
(a)
Enemy
attack
by
armed
4
forces,
including
action
taken
by
military,
naval
or
air
forces
5
in
resisting
an
actual
or
an
immediately
impending
enemy
6
attack;
(b)
invasion;
(c)
insurrection;
(d)
rebellion;
(e)
7
revolution;
(f)
civil
war;
(g)
usurped
power;
(h)
order
of
any
8
civil
authority
except
acts
of
destruction
at
the
time
of
and
9
for
the
purpose
of
preventing
the
spread
of
fire,
provided
that
10
such
fire
did
not
originate
from
any
of
the
perils
excluded
by
11
this
policy;
(i)
neglect
of
an
insured
to
use
all
reasonable
12
means
to
save
and
preserve
the
property
at
and
after
a
loss,
13
or
when
the
property
is
endangered
by
fire
in
neighboring
14
premises;
(j)
nor
shall
this
company
be
liable
for
loss
by
15
theft.
16
Other
insurance.
Other
insurance
may
be
prohibited
or
the
17
amount
of
insurance
may
be
limited
by
endorsement
attached
18
hereto.
19
Conditions
suspending
or
restricting
insurance.
Unless
20
otherwise
provided
in
writing
added
hereto
this
company
shall
21
not
be
liable
for
loss
occurring
under
any
of
the
following
22
circumstances:
23
[a]
While
the
hazard
is
created
or
increased
by
any
means
24
within
the
control
or
knowledge
of
an
insured.
25
[b]
While
a
described
building,
whether
intended
for
26
occupancy
by
owner
or
tenant,
is
vacant
or
unoccupied
beyond
a
27
period
of
sixty
consecutive
days.
28
[c]
As
a
result
of
explosion
or
riot,
unless
fire
ensue,
and
29
in
that
event
for
loss
by
fire
only.
30
Other
perils
or
subjects.
Any
other
peril
to
be
insured
31
against
or
subject
of
insurance
to
be
covered
in
this
policy
32
shall
be
by
endorsement
in
writing
hereon
or
added
hereto.
33
Added
provisions.
The
extent
of
the
application
of
insurance
34
under
this
policy
and
of
the
contribution
to
be
made
by
this
35
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LSB
1129XS
(1)
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3/
8
S.F.
90
company
in
case
of
loss,
and
any
other
provision
or
agreement
1
not
inconsistent
with
the
provisions
of
this
policy,
may
be
2
provided
for
in
writing
added
hereto,
but
no
provision
may
be
3
waived
except
such
as
by
the
terms
of
this
policy
is
subject
to
4
change.
5
Waiver
provisions.
No
permission
affecting
this
insurance
6
shall
exist,
or
waiver
of
any
provision
be
valid,
unless
7
granted
herein
or
expressed
in
writing
added
hereto.
No
8
provision,
stipulation
or
forfeiture
shall
be
held
to
be
waived
9
by
any
requirement
or
proceeding
on
the
part
of
this
company
10
relating
to
appraisal
or
to
any
examination
provided
for
11
herein.
12
Cancellation
of
policy.
This
policy
shall
be
canceled
at
any
13
time
at
the
request
of
the
insured,
in
which
case
this
company
14
shall,
upon
demand
and
surrender
of
this
policy,
refund
the
15
excess
of
paid
premium
above
the
customary
short
rates
for
the
16
expired
time.
This
policy
may
be
canceled
at
any
time
by
this
17
company
by
giving
to
the
insured
a
five
days’
written
notice
18
of
cancellation
with
or
without
tender
of
the
excess
of
paid
19
premium
above
the
pro
rata
premium
for
the
expired
time,
which
20
excess,
if
not
tendered,
shall
be
refunded
on
demand.
Notice
21
of
cancellation
shall
state
that
said
excess
premium
(if
not
22
tendered)
will
be
refunded
on
demand.
23
Mortgagee
interests
and
obligations.
If
loss
hereunder
is
24
made
payable,
in
whole
or
in
part,
to
a
designated
mortgagee
25
not
named
herein
as
the
insured,
such
interest
in
this
policy
26
may
be
canceled
by
giving
to
such
mortgagee
a
ten
days’
written
27
notice
of
cancellation.
28
If
the
insured
fails
to
render
proof
of
loss
such
mortgagee,
29
upon
notice,
shall
render
proof
of
loss
in
the
form
herein
30
specified
within
sixty
days
thereafter
and
shall
be
subject
31
to
the
provisions
hereof
relating
to
appraisal
and
time
of
32
payment
and
of
bringing
suit.
If
this
company
shall
claim
33
that
no
liability
existed
as
to
the
mortgagor
or
owner,
it
34
shall,
to
the
extent
of
payment
of
loss
to
the
mortgagee,
35
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LSB
1129XS
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sc/ns
4/
8
S.F.
90
be
subrogated
to
all
the
mortgagee’s
rights
of
recovery,
but
1
without
impairing
mortgagee’s
right
to
sue;
or
it
may
pay
off
2
the
mortgage
debt
and
require
an
assignment
thereof
and
of
3
the
mortgage.
Other
provisions
relating
to
the
interests
and
4
obligations
of
such
mortgagee
may
be
added
hereto
by
agreement
5
in
writing.
6
Pro
rata
liability.
This
company
shall
not
be
liable
for
a
7
greater
proportion
of
any
loss
than
the
amount
hereby
insured
8
shall
bear
to
the
whole
insurance
covering
the
property
against
9
the
peril
involved,
whether
collectible
or
not.
10
Requirements
in
case
loss
occurs.
The
insured
shall
give
11
immediate
written
notice
to
this
company
of
any
loss,
protect
12
the
property
from
further
damage,
forthwith
separate
the
13
damaged
and
undamaged
personal
property,
put
it
in
the
best
14
possible
order,
furnish
a
complete
inventory
of
the
destroyed,
15
damaged
and
undamaged
property,
showing
in
detail
quantities,
16
costs,
actual
cash
value
and
amounts
of
loss
claimed;
AND
17
WITHIN
SIXTY
DAYS
AFTER
THE
LOSS,
UNLESS
SUCH
TIME
IS
EXTENDED
18
IN
WRITING
BY
THIS
COMPANY,
THE
INSURED
SHALL
RENDER
TO
THIS
19
COMPANY
A
PROOF
OF
LOSS,
signed
and
sworn
to
by
the
insured,
20
stating
the
knowledge
and
belief
of
the
insured
as
to
the
21
following:
The
time
and
origin
of
the
loss,
the
interest
of
22
the
insured
and
of
all
others
in
the
property,
the
actual
cash
23
value
of
each
item
thereof
and
the
amount
of
loss
thereto,
all
24
encumbrances
thereon,
all
other
contracts
of
insurance,
whether
25
valid
or
not,
covering
any
of
said
property,
any
changes
in
the
26
title,
use,
occupation,
location,
possession
or
exposures
of
27
said
property
since
the
issuing
of
this
policy,
by
whom
and
28
for
what
purpose
any
building
herein
described
and
the
several
29
parts
thereof
were
occupied
at
the
time
of
loss
and
whether
30
or
not
it
then
stood
on
leased
ground,
and
shall
furnish
a
31
copy
of
all
the
descriptions
and
schedules
in
all
policies
32
and,
if
required,
verified
plans
and
specifications
of
any
33
building,
fixtures
or
machinery
destroyed
or
damaged.
The
34
insured,
as
often
as
may
be
reasonably
required,
shall
exhibit
35
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1129XS
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sc/ns
5/
8
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90
to
any
person
designated
by
this
company
all
that
remains
of
1
any
property
herein
described,
and
submit
to
examinations
2
under
oath
by
any
person
named
by
this
company,
and
subscribe
3
the
same;
and,
as
often
as
may
be
reasonably
required,
shall
4
produce
for
examination
all
books
of
account,
bills,
invoices
5
and
other
vouchers,
or
certified
copies
thereof
if
originals
be
6
lost,
at
such
reasonable
time
and
place
as
may
be
designated
by
7
this
company
or
its
representative,
and
shall
permit
extracts
8
and
copies
thereof
to
be
made.
9
Appraisal.
In
case
the
insured
and
this
company
shall
fail
10
to
agree
as
to
the
actual
cash
value
or
the
amount
of
loss,
11
then,
on
the
written
demand
of
either,
each
shall
select
a
12
competent
and
disinterested
appraiser
and
notify
the
other
of
13
the
appraiser
selected
within
twenty
days
of
such
demand.
The
14
appraisers
shall
first
select
a
competent
and
disinterested
15
umpire;
and
failing
for
fifteen
days
to
agree
upon
such
umpire,
16
then,
on
request
of
the
insured
or
this
company,
such
umpire
17
shall
be
selected
by
a
judge
of
a
court
of
record
in
the
state
18
in
which
the
property
covered
is
located.
The
appraisers
shall
19
then
appraise
the
loss,
stating
separately
actual
cash
value
20
and
loss
to
each
item;
and,
failing
to
agree,
shall
submit
21
their
differences,
only,
to
the
umpire.
An
award
in
writing,
22
so
itemized,
of
any
two
when
filed
with
this
company
shall
23
determine
the
amount
of
actual
cash
value
and
loss.
Each
24
appraiser
shall
be
paid
by
the
party
selecting
the
appraiser
25
and
the
expenses
of
appraisal
and
umpire
shall
be
paid
by
the
26
parties
equally.
27
Company’s
options.
It
shall
be
optional
with
this
company
28
to
take
all,
or
any
part,
of
the
property
at
the
agreed
or
29
appraised
value,
and
also
to
repair,
rebuild
or
replace
the
30
property
destroyed
or
damaged
with
other
of
like
kind
and
31
quality
within
a
reasonable
time,
on
giving
notice
of
its
32
intention
so
to
do
within
thirty
days
after
the
receipt
of
the
33
proof
of
loss
herein
required.
34
Abandonment.
There
can
be
no
abandonment
to
this
company
of
35
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1129XS
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6/
8
S.F.
90
any
property.
1
When
loss
payable.
The
amount
of
loss
for
which
this
2
company
may
be
liable
shall
be
payable
sixty
days
after
proof
3
of
loss,
as
herein
provided,
is
received
by
this
company
and
4
ascertainment
of
the
loss
is
made
either
by
agreement
between
5
the
insured
and
this
company
expressed
in
writing
or
by
the
6
filing
with
this
company
of
an
award
as
herein
provided.
7
Suit.
No
suit
or
action
on
this
policy
for
the
recovery
of
8
any
claim
shall
be
sustainable
in
any
court
of
law
or
equity
9
unless
all
the
requirements
of
this
policy
shall
have
been
10
complied
with,
and
unless
commenced
within
twelve
months
next
11
after
inception
of
the
loss.
12
Subrogation.
This
company
may
require
from
the
insured
an
13
assignment
of
all
right
of
recovery
against
any
party
for
loss
14
to
the
extent
that
payment
therefor
is
made
by
this
company.
15
THIRD
PAGE
OF
STANDARD
FIRE
POLICY
16
ATTACH
FORM
BELOW
THIS
LINE
17
FOURTH
PAGE
OF
STANDARD
FIRE
POLICY
18
STANDARD
FIRE
INSURANCE
POLICY
19
Expires
.
.
.
.
.
.
.
.
.
.
.
.
.
.
.
.
.
.
20
Property
.
.
.
.
.
.
.
.
.
.
.
.
.
.
.
.
.
21
Amount
$
.
..
..
..
..
.
Total
22
Premium
$
.
..
..
..
..
23
.
24
Insured
.
.
.
.
.
.
.
.
.
.
.
.
.
.
.
.
.
.
25
________________________________________________________________________________________________________________________
26
SEE
INSIDE
OF
POLICY
FOR
PERILS
COVERED
27
NO.
28
(Space
of
approximately
two
(2)
inches
for
use
of
Agent
or
29
Insurer.)
30
(Space
of
approximately
two
(2)
inches
for
use
of
Agent
or
31
Insurer.)
32
Sec.
3.
Section
714G.1,
subsection
6,
Code
2025,
is
amended
33
to
read
as
follows:
34
6.
“Normal
business
hours”
means
Sunday
through
Saturday,
35
-7-
LSB
1129XS
(1)
91
sc/ns
7/
8
S.F.
90
between
the
hours
of
6:00
a.m.
and
9:30
p.m.,
central
standard
1
time
or
central
daylight
saving
time.
2
EXPLANATION
3
The
inclusion
of
this
explanation
does
not
constitute
agreement
with
4
the
explanation’s
substance
by
the
members
of
the
general
assembly.
5
This
bill
establishes
daylight
saving
time
as
the
official
6
time
in
this
state
throughout
the
year.
7
-8-
LSB
1129XS
(1)
91
sc/ns
8/
8