Insurance fraud is crime that affects everyone. It costs Americans at least $80 billion a year, almost $950 for each family. 

Insurance fraud pushes up the cost of everything you buy and use.  

How? Consider this scenario: Every company providing goods or services pays for insurance. As a result of insurance fraud, the insurance company must raise rates. To cover the increased cost of insurance, the company must charge you more for goods and services. Insurance fraud makes everything more expensive for everybody. 

Insurance fraud is not just a problem for insurance companies. It’s a problem for all of us. Everybody loses and everybody pays. Insurance fraud also diverts resources from law enforcement and fire services.

Consumer Reporting

You can also print and mail a paper insurance fraud complaint form.

Insurance Company Reporting

Insurance companies are required to report suspected insurance fraud to the Iowa Insurance Division's Fraud Bureau. Iowa Code section 507E outlines the requirements regarding insurance fraud.

  • Report suspected fraud to the Iowa Insurance Division's Fraud Bureau through the National Association of Insurance Commissioner's (NAIC) online fraud reporting system (OFRS).  

If an insurance company is unable to complete the online form, a paper insurance fraud complaint form may be completed and mailed in to the Iowa Insurance Division.

The Iowa Insurance Division's Fraud Bureau maintains a list of fraud contact persons for each insurance company.

  • Report or update your insurance company's fraud contact information.