# Iowa SF 460: A bill for an act relating to home inspections, including persons authorized to perform home inspections and requirements for independent home inspection reports, providing penalties, and making penalties applicable. (Formerly SSB 1144.) Effective date: 07/01/2025. Iowa SF 460, A bill for an act relating to home inspections, including persons authorized to perform home inspections and requirements for independent home inspection reports, providing penalties, and making penalties applicable. (Formerly SSB 1144.) Effective date: 07/01/2025., is a 91st General Assembly (2025–2026) Senate bill sponsored by COMMITTEE ON COMMERCE; status signed, last action 2025-06-06 (Fiscal note.); PRIA reads it as touching household money (as of 2026-10-18). - Canonical: https://policyrisk.com/state-bill/IA-SF460-2025-2026 - As of: 2026-10-18 - Plain-text twin of the page above; the HTML and this file carry the same facts. ## Facts - Bill: Iowa SF 460 - State: Iowa - Session: 91st General Assembly (2025–2026) - Title: A bill for an act relating to home inspections, including persons authorized to perform home inspections and requirements for independent home inspection reports, providing penalties, and making penalties applicable. (Formerly SSB 1144.) Effective date: 07/01/2025. - Status: signed - Chamber: Senate - Introduced: 2025-02-27 - Last action: 2025-06-06, Fiscal note. - Sponsor: COMMITTEE ON COMMERCE - Cosponsors: 0 - Subjects: commerce - Touches household money: yes - Roll calls: 2 (143 yes, 0 no in all) - Economic provisions PRIA read: 5 ## Summary No summary available. ## Bill overview: provisions PRIA read - Clearer home reports and free seller copies: benefit, low. Beginning July 1, 2025, written independent reports must describe the inspection's scope, observed major defects, and recommended further review and repairs. They must clearly flag defects that pose an unreasonable risk to people on the property. Reports must explain that inspections assess conditi… - Homeowners gain protection from inspector conflicts: benefit, low. Beginning July 1, 2025, inspectors, their employers, and people controlling or financially interested in those employers face conflict-of-interest rules. They cannot perform or offer extra-fee repairs on structures covered by their inspection reports within the previous 12 months. Exceptions cover… - Insurance and contract protections for inspection clients: benefit, low. Beginning July 1, 2025, inspectors must carry errors-and-omissions and general-liability insurance. Required coverage is at least $100,000 per occurrence and $500,000 total, with deductibles no higher than $2,500. Coverage must continue for at least one year after the latest report; reports deliver… - Qualified inspectors and stronger buyer protections: benefit, low. Beginning July 1, 2025, Iowa limits who can issue independent home inspection reports. Authorized providers include qualifying home inspectors, home-inspection licensees or registrants in good standing elsewhere, and Iowa-licensed architects or professional engineers. Home inspectors must belong to… - Homebuyers get sourced but limited repair estimates: mixed, low. Beginning July 1, 2025, inspectors cannot give oral or written repair-cost estimates outside an independent inspection report. Estimates in those reports must name their source and give a cost range, not a single price. The report must also advise considering an estimate from a contractor who perfo… ## Sponsors and cosponsors - Sponsor: COMMITTEE ON COMMERCE ## Roll call votes | Date | Chamber | Motion | Result | Yes | No | Other | | --- | --- | --- | --- | --- | --- | --- | | 2025-04-08 | House | Passed House | pass | 96 | 0 | | | 2025-03-26 | Senate | Passed Senate | pass | 47 | 0 | | ## Actions (22) - 2025-06-06: Fiscal note. (legislature) - 2025-04-24: Explanation of vote. (House) - 2025-04-18: Signed by Governor. (Senate) - 2025-04-17: Reported correctly enrolled, signed by President and Speaker, and sent to Governor. (Senate) - 2025-04-08: Message from House. (Senate) - 2025-04-08: Immediate message. (House) - 2025-04-08: Passed House, yeas 96, nays 0. (House) - 2025-04-02: Placed on calendar. (House) - 2025-04-02: Committee vote: Yeas, 19. Nays, 0. Excused, 3. (House) - 2025-04-02: Committee report, recommending passage. (House) - 2025-04-01: Subcommittee recommends passage. (legislature) - 2025-03-27: Subcommittee Meeting: 04/01/2025 8:00AM RM 19. (legislature) - 2025-03-27: Subcommittee: Lawler, Blom and Wilson. (House) - 2025-03-26: Read first time, referred to Commerce. (House) - 2025-03-26: Message from Senate. (House) - 2025-03-26: Immediate message. (Senate) - 2025-03-26: Passed Senate, yeas 47, nays 0. (Senate) - 2025-03-26: Amendment S-3023 adopted. (Senate) - 2025-03-17: Amendment S-3023 filed. (Senate) - 2025-03-12: Fiscal note. (legislature) - 2025-02-27: Committee report, approving bill. (Senate) - 2025-02-27: Introduced, placed on calendar. (Senate) ## Bill text - As Introduced: [PDF](https://www.legis.iowa.gov/docs/publications/LGI/91/SF460.pdf) - Enrolled: [PDF](https://www.legis.iowa.gov/docs/publications/LGE/91/SF460.pdf) ## Related bills - HF 2801: A bill for an act modifying the major economic growth attraction program, and including effective date provisions. (Formerly HSB 785.) Effective date: 10/02/20… (signed) - SF 2472: A bill for an act relating to state and local government taxes, fees, financial authority, and budgets, by modifying property assessment provisions, divisions… (signed) - HF 2601: A bill for an act relating to campaign finance, including participation in ballot issue campaigns by foreign nationals and investigations of election misconduc… (signed) - SF 2399: A bill for an act relating to bail and bond amounts and conditions. (Formerly SSB 3162.) Effective date: 07/01/2026. (signed) - SF 2471: A bill for an act relating to fees for lifetime fur harvester licenses. (Formerly SF 2317, SSB 3121.) Effective date: 07/01/2026. (signed) - SF 2299: A bill for an act relating to the district-to-community college sharing or concurrent enrollment program. (Formerly SF 2176.) Vetoed 6-2-26. (vetoed) ## Sources - [As Introduced (PDF)](https://www.legis.iowa.gov/docs/publications/LGI/91/SF460.pdf) - [Enrolled (PDF)](https://www.legis.iowa.gov/docs/publications/LGE/91/SF460.pdf) ## Related - [HF 2801: A bill for an act modifying the major economic growth attraction program, and i…](https://policyrisk.com/state-bill/IA-HF2801-2025-2026) - [SF 2472: A bill for an act relating to state and local government taxes, fees, financial…](https://policyrisk.com/state-bill/IA-SF2472-2025-2026) - [HF 2601: A bill for an act relating to campaign finance, including participation in ball…](https://policyrisk.com/state-bill/IA-HF2601-2025-2026) - [SF 2399: A bill for an act relating to bail and bond amounts and conditions. (Formerly S…](https://policyrisk.com/state-bill/IA-SF2399-2025-2026) - [SF 2471: A bill for an act relating to fees for lifetime fur harvester licenses. (Former…](https://policyrisk.com/state-bill/IA-SF2471-2025-2026) - [SF 2299: A bill for an act relating to the district-to-community college sharing or conc…](https://policyrisk.com/state-bill/IA-SF2299-2025-2026) - [Iowa bills](https://policyrisk.com/states/iowa/bills) - [Iowa state hub](https://policyrisk.com/states/iowa) - [All state legislation](https://policyrisk.com/state-bills) Source: PRIA, https://policyrisk.com/state-bill/IA-SF460-2025-2026 (as of 2026-10-18).