AI-assisted research summary: Insurance companies and fire officials must share and protect fire-loss investigation information, and certain refusals or breaches of confidentiality are misdemeanors.
I. An authorized investigator from the state fire marshal's office, or from any fire department or law enforcement agency may request an insurance company investigating a fire loss of real or personal property, building collapse, or an incident involving the release of carbon monoxide other than from a motor vehicle to release any information in its possession relative to that loss. The company shall release the information and cooperate with any official authorized to request such information pursuant to this section. No waiver of an insurance company's applicable privilege or claim of confidentiality in the documents, materials, or information shall occur as a result of such release of information. The information may include, but shall not be limited to: (a) Any insurance policy relevant to a fire loss, building collapse, or release of carbon monoxide under investigation and any application for such policy; (b) Policy premium payment records; (c) History of previous claims made by the insured; and (d) Material relating to the investigation of the loss, including statements of any person, proof of loss, and any other relevant evidence. II. If an insurance company has reason to suspect that a fire loss in the amount of $1,000 or more to its insured's real or personal property was caused by other than accidental means, the company shall notify the office of the state fire marshal and furnish the fire marshal, either through a recognized bureau or organization of companies or through the secretary or other officer of the insurance company, with all relevant material acquired during its investigation of the fire loss, cooperate with and take such reasonable action as may be requested of it by any law enforcement agency, and permit any person so ordered by a court to inspect any of its records pertaining to the policy and the loss. III. The state fire marshal or any fire chief whose department is investigating any fire loss of real or personal property, building collapse, or incident involving the release of carbon monoxide other than from a motor vehicle shall notify any insurance company believed to have an interest as insurer of such property. Notification shall include a statement of the nature of such investigation. IV. In the absence of fraud or malice, no public official or insurance company or person who furnishes information on its behalf, is liable for damages in a civil action or subject to criminal prosecution for any oral or written statement made or any other action taken that is necessary to supply information required pursuant to this section. V. The recipient of any information furnished pursuant to this section shall hold the information in confidence and not release it, except to another official referred to in paragraph I, until such time as its release is required pursuant to a criminal or civil proceeding. VI. Any official referred to in paragraph I of this section may be required to testify as to or to release any information in his or her possession regarding the fire loss, building collapse, or release of carbon monoxide in any civil action in which any person seeks recovery under a policy against an insurance company for the fire loss, building collapse, or release of carbon monoxide. VII. (a) No person shall purposely refuse to release any information requested pursuant to paragraph I of this section. (b) No person shall purposely refuse to make the necessary notification of a fire loss pursuant to paragraph II of this section. (c) No person shall purposely refuse to supply to the proper authorities pertinent information requested to be furnished pursuant to paragraph II of this section. (d) No person shall purposely fail to hold in confidence information required to be held in confidence by paragraph V of this section. VIII. Whoever violates paragraph VII(a), (b), (c), or (d) of this section is guilty of a misdemeanor. It shall not be considered a violation of this section if an insurance company acts in good faith and believes it has done everything required of it by this section. Source: Source. 1979, 231:2. 1981, 104:1, 2, eff. June 22, 1981. 2019, 232:1, eff. Sept. 10, 2019.