(Des Moines, Iowa) – Officials with the Iowa Insurance Division’s Fraud Bureau report a Guthrie County woman, 54-year-old Jeannette Gerloff, of Yale, was charged with one count of Insurance Fraud – Presenting False Information (Class D Felony) and one count of Theft in the 2nd Degree (Class D Felony) following an investigation by the Iowa Insurance Division’s Fraud Bureau.

The charges against Gerloff stem from an investigation that began in October 2023. According to criminal complaints filed by the Iowa Insurance Division’s Fraud Bureau, Gerloff provided false statements to her insurer as part of and in support of a claim for payment on her renters insurance policy. Gerloff obtained $2,487.34 from her insurer which she otherwise would not have been entitled to.

On March 8, 2024, Gerloff was arrested. She was released on her own recognizance after making a court appearance.

Iowans with information about insurance fraud are encouraged to contact the Iowa Insurance Division’s Fraud Bureau at 515-654-6556.

Note: A criminal charge is merely an accusation, a defendant is presumed innocent until proven guilty.

(Radio Iowa) – The State Transportation Commission approved millions of dollars today (Tuesday) for economic development road projects. The D-O-T’s Deb Arp presented a request from the city of Des Moines and its airport authority to add more funding to its previous request for the new airport terminal.

“This application requests an additional amendment to the scope and grant award to provide additional roadway improvements for public access to the new terminal facility. Commercial vehicle lanes will be accessible to all public passengers and to facilitate the growth of ride sharing and ride hailing transportation network companies hotel shuttles, taxi services and public transit services,” she says. The money comes from the Rebuild Iowa’s Sound Economy or “RISE” funds.

“The total amended RISE eligible roadway costs would increase by over seven million to 19-million-663-thousand-391 dollars, ” Arp says. “And the city of Des Moines has requested three-million-513-thousand-350 dollars in additional Rise funds.” The design of the roadway is expected to be complete in April 2025 and construction completed by July 2026. The city of Mount Pleasant submitted a RISE application for a new roadway project.

“Requesting a grant to assist in construction of approximately one-thousand-33 feet of Eugene Way located in the west side of town. The proposed RISE roadway will provide access to three lots totaling more than 13 acres for light industrial purposes,” she says. Mount Pleasant was awarded half of the cost of the roadway project which is estimated to be around 487-thousand dollars, the city will provide the other half.

Sioux City was approved for an award to build a roadway along Highway 75 on the northeast side of the city for a water park.”The proposed rise roadway will support tourism and provide access to the proposed Siouxland Splash Waterslide Park development to be developed by Frontline Development L-L-C,” Arp says. She says the award is based on the benefits the water park will bring. “An economic impact study expects over 150-thousand visitors to be attracted annually by the third year of operation, 12-thousand-547 overnight visitors and the creation of 55 jobs,” Arp says.

A commissioner asked if the award was to benefit just one business as other projects benefiting a single entity had not been funded. Sioux City business development coordinator, Chris Meyers, told the commission the city purchased 43 acres at the site with the hopes of developing the area around the water park as well. “The waterpark phase one is developing ten acres of that. And the waterpark developer has an option on the remaining 30 acres specifically for the intention of expanding the waterpark. And they would like to in the next year or two put up a hotel on the site as well,” he says.

The Transportation Commission approved the request of more than one-point-two million dollars ($1,250,957) or 50 percent of the project. Design of the roadway is expected to be complete by July 2024, with construction completed by December.

By Sonya Sellmeyer, Consumer Advocacy Officer for the Iowa Insurance Division

Spring storms, characterized by heavy rainfall, thunderstorms, and even tornadoes, pose significant risks to homes and properties.  From water damage to wind-related destruction, these seasonal hazards can lead to substantial financial losses.  According to the Insurance Information Institute, natural catastrophe losses in the United States during 2023 topped $79.6 billion.

A fundamental step in preparing for spring storms is a review of your homeowners policy and initiating a conversation with your licensed insurance agent to scrutinize the coverage.  This review should encompass the types and amounts of coverage in place, verifying they align with the potential risks associated with spring storms, and ensuring an understanding of the policy terms, exclusions, and limitations.

For optimal protection, homeowners should explore additional coverage options beyond the basic replacement cost policy.  Annual inflation adjustment is one consideration to ensure coverage keeps pace with the rising costs of materials and labor.

Extended replacement cost is another valuable option to consider. This coverage goes beyond the limits specified in the policy, providing an extra layer of financial protection by extending the dwelling coverage by 10-50% of the cost of rebuilding your home.  In the wake of a severe storm, where rebuilding costs may surpass initial estimates, extended replacement cost coverage can be crucial.

Building code upgrades represent coverage that address the need to comply with materials. Spring storms often expose vulnerabilities in structures, prompting the need for repairs to meet current safety standards. This coverage ensures that the financial burden of these mandatory upgrades does not fall solely on the homeowner.

Sonya Sellmeyer, Consumer Advocacy Officer for the Iowa Insurance Division

Review the policy for the coverage of your home’s roof. Insurance companies may change the coverage allowed under your policy as the roof ages.  For example, the actual cash value of your roof declines as it ages, and this coverage may only cover a portion of your claim based on the roof’s age and condition.  Check your declarations page and policy for roof coverage information.

Damage caused by flooding is often a standard exclusion in home, renter, and property insurance policies.  Water and sewer backup coverage is different from flood insurance.  While some homeowners policies include these provisions, neither are automatically included as part of a regular homeowners policy and will need a special endorsement to provide coverage.

Read all letters and policy renewal information received from the insurance company, as these may contain policy and coverage changes.  Verify any changes in coverage for exterior surfaces such as siding, gutters, downspouts, soffit, fascia, and windows due to cosmetic versus functional damage.  Call your agent if you have questions on any coverage changes.

A spring check up of your homeowners policy, and a collaboration with your insurance agent is pivotal in ensuring that the right amount and types of coverage are in place to protect against the financial aftermath of spring storms.