MVA and home improvement leads in Iowa
Iowa had 3,238,387 residents in the Census Bureau estimate for July 1, 2025. Car accident claims there run through the at-fault driver, a two-year clock and a fault rule written into Iowa Code chapter 668. On the housing side, 71.7% of occupied homes are owner-occupied and the median home was built in 1972. This page sets out what those rules and figures mean for the filters on an Iowa campaign.
Summit Leads supplies home improvement and MVA leads in all U.S. states, including Iowa. Buyers set filters down to the ZIP code. Leads are exclusive by default: each lead is sold to one buyer. Shared delivery is available if a buyer asks for it.
Request Iowa lead supplyIowa MVA leads: fault-based claims, two years and chapter 668
Iowa does not use a no-fault injury system. Drivers carry liability insurance, and the Iowa Insurance Division lists the minimum bodily injury liability coverage that Iowa law requires for injury to one person and to two or more people in a single accident. An injured person claims against the driver who caused the crash and that driver's liability carrier, without first clearing a no-fault threshold.
The deadline is in Iowa Code 614.1(2): actions "founded on injuries to the person" must be brought within two years. Law firms need part of that window to request records, open a claim and negotiate, so Iowa buyers set a maximum accident age well short of two years and treat the accident date as a required field.
Iowa Code 668.3(1)(a) sets the fault rule. Contributory fault does not bar recovery unless the claimant bears a greater percentage of fault than the combined percentage attributed to the defendants, third-party defendants and released persons, and any damages are diminished in proportion to the claimant's own fault. A driver found half at fault can still recover half; a driver found mostly at fault recovers nothing. Buyers who sell to Iowa firms screen on liability details such as citations, the direction of impact and whether a police report names the other driver.
Sub-types, filters and the quality bar are on the MVA leads and car accident leads pages.
Iowa home improvement leads: owners, 1972 housing and contractor registration
The Census Bureau puts the Iowa owner-occupied housing unit rate at 71.7% for 2020-2024, so roughly seven in ten Iowa households own the home they live in. The median year structure built is 1972 in the ACS 5-year estimates for 2020-2024: half of Iowa housing units were built in 1972 or earlier. Roofs, siding and gutters, and windows on homes of that age come up for replacement on a steady cycle, and bathroom renovation and flooring work follows when homes change owners.
Iowa contractors register with the state rather than hold a general license. The Department of Inspections, Appeals, and Licensing says Iowa law requires individual and business contractors performing construction work to be registered under Iowa Code chapter 91C, with an exemption for those whose construction earnings fall below an annual threshold and for work on their own property. Door-to-door sales fall under Iowa Code chapter 555A, and the notice required by section 555A.3 tells the buyer they may cancel "within three business days" of the transaction. Contractor clients who sell in the home build that cancellation window into their scheduling.
Project types and filters are listed on the home improvement leads and roofing leads pages.
Consent records for Iowa leads
Each lead carries its TCPA consent record (opt-in language, timestamp, IP address and page URL), so the record travels with the lead to your system.
Every Iowa lead carries a consent record built to the federal TCPA standard: the opt-in language the consumer saw, the timestamp, the IP address and the page URL. When a buyer routes the lead to a law firm or a contractor, the record goes with it, so the business that places the call has proof of consent on file.
Our guide to state telemarketing laws compares the states that add rules on top of the TCPA.
Iowa facts for lead buyers
| Fact | Value | Source |
|---|---|---|
| Auto insurance system | Fault-based; minimum bodily injury liability coverage required | Consumer Connection: Auto Insurance Terms to KnowIowa Insurance Division |
| Personal injury statute of limitations | Two years (Iowa Code 614.1(2)) | Iowa Code 614.1, Period of limitationsIowa Legislature |
| Comparative fault rule | Modified: recovery barred if the claimant's fault is greater than the combined fault of the defendants; damages reduced by the claimant's share (Iowa Code 668.3) | Iowa Code 668.3, Comparative fault, effectIowa Legislature |
| Contractor licensing | State registration for construction contractors under Iowa Code chapter 91C, above an annual earnings threshold | Contractor RegistrationIowa Department of Inspections, Appeals, and Licensing |
| Home solicitation cancellation | Three business days for door-to-door sales (Iowa Code 555A.3) | Iowa Code 555A.3, Door-to-door sales, notice of cancellationIowa Legislature |
| Population | 3,238,387 (July 1, 2025, Vintage 2025 estimate) | QuickFacts: IowaU.S. Census Bureau |
| Owner-occupied housing unit rate | 71.7% (ACS 2020-2024) | QuickFacts: IowaU.S. Census Bureau |
| Median year structure built | 1972 (ACS 5-year 2020-2024) | Table B25035, Median Year Structure Built: Iowa (ACS 5-Year 2020-2024)U.S. Census Bureau |
Last reviewed: September 19, 2026. A summary for education, not legal advice.
Iowa lead buying questions
Is Iowa a no-fault state for car accidents?
No. Iowa is fault-based. Drivers must carry bodily injury liability coverage, and an injured person claims against the driver who caused the crash without meeting a no-fault threshold first.
How long does an Iowa accident victim have to sue?
Two years for actions founded on injuries to the person, under Iowa Code 614.1(2). Buyers keep their accident age filter well inside that period.
Can a partly at-fault Iowa driver recover?
Yes, unless their share of fault is greater than the combined fault of the defendants. Under Iowa Code 668.3 the award is reduced by the claimant's own percentage of fault.
Do Iowa home improvement contractors need a state license?
Iowa uses registration. Contractors doing construction work register with the Department of Inspections, Appeals, and Licensing under Iowa Code chapter 91C, unless their construction earnings fall below the annual threshold in the law.
Can an Iowa homeowner cancel an in-home sale?
Yes. Under Iowa Code chapter 555A a buyer in a door-to-door sale may cancel within three business days, and section 555A.3 sets out the notice the seller must give.
Can we buy Iowa leads by ZIP code?
Yes. Summit Leads supplies home improvement and MVA leads in all U.S. states, including Iowa, and buyers choose the states or ZIP codes they buy in, with homeowner status as a standard filter.
Request Iowa lead supply
Tell us the verticals you buy in Iowa, the ZIP codes you cover, your daily volume and how you take delivery. Return terms are discussed on the onboarding call and agreed before going live.
Start small, with no long-term commitment
- No long-term contract. Pause or stop at any time.
- No setup fee and no monthly fee. You pay only for leads delivered that match your filters.
- Start with a small test volume and scale when the numbers work.
- Leads are exclusive by default: each lead is sold to one buyer.
- Return terms are agreed on the onboarding call, before you go live.
Or write to team@summitleads.ai. We reply by email.
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