of 17 BEFORE THE IOWA INSURANCE COMMISSIONER ) IN THE

Page 1 of 17

BEFORE THE IOWA INSURANCE COMMISSIONER

)

IN THE MATTER OF

)

Division Case No. 122515

)

DARREN REEVES ROOFING LLC,

)

DARREN REEVES CONSTRUCTION

)

SUMMARY CEASE AND

LLC,

and

)

DESIST ORDER

DARREN L. REEVES,

)

DOB 02/05/XXXX

)

Respondents.

)

On June 20, 2024, Enforcement Attorney Zebulon Black, on behalf of the Iowa Insurance

Division (“Division”), submitted a Petition for Summary Cease and Desist Order in the above-

captioned matter.

NOW THEREFORE, the Commissioner of Insurance, Douglas M. Ommen, pursuant to

the provisions of Iowa Code chapters 505, 507A, 507B, and 522C, does hereby make and issue

the following findings of fact, conclusions of law and order to cease and desist (“Order”):

I. PARTIES AND JURISDICTION

1. The Commissioner of Insurance, Douglas M. Ommen, directly and through his designees,

administers and enforces Iowa Code chapter 522C—Licensing of Public Adjusters, Iowa Code

Chapter 507A—Iowa Unauthorized Insurers Act and Iowa Code chapter 507B—Insurance Trade

Practices, pursuant to Iowa Code § 505.8.

2. Darren Reeves Roofing LLC (“Reeves Roofing”) was an Iowa limited liability company,

formed in 2022, with its home office located at 53333 770th Street, Anita, Iowa 50020. The

Iowa Secretary of State’s website lists United States Corporation Agents, Inc. (“USCA”) as the

June 21, 2024

Page 2 of 17

registered agent with an address of 4200 University Boulevard, Suite 426, West Des Moines,

Iowa 50266. Reeves Roofing filed a Certificate of Organization with the Iowa Secretary of State

on January 5, 2022, under the name Doing Roofing Correctly LLC. On April 8, 2022, Reeves

filed an amendment to change the name in the Certificate of Organization to Darren Reeves

Roofing LLC. On April 28, 2023, Darren Reeves Roofing LLC filed with the Iowa Secretary of

State a fictitious name resolution with the name Reeves Roofing. On August 16, 2023, Reeves

Roofing was dissolved by an administrative dissolution due to failure to deliver the 2023

Biennial Report.

3. Darren Reeves Construction LLC (“Reeves Construction”) is an Iowa limited liability

company, formed on March 11, 2022, with its home office located at 53333 770th Street, Anita,

Iowa 50020. The Iowa Secretary of State’s website lists USCA as the registered agent with an

address of 4200 University Boulevard, Suite 426, West Des Moines, Iowa 50266. The Certificate

of Organization is signed by Darren L. Reeves.

4. Iowa Department of Inspections, Appeals, and Licensing registers contractors in the state

of Iowa. Reeves Roofing does not presently and has not previously held a license as a residential

contractor in the state of Iowa. Reeves Construction is licensed as a residential remodeler under

registration number C136838 and has held this license since November 9, 2023. The registered

contractor is listed as Darren Reeves as a sole proprietor with an address of 53333 770th St.,

Anita, Iowa 50020.

5. On information and belief, Darren Reeves (“Reeves”) is an individual with a residential

address of 308 Cass Street, Adair, Iowa 50002, and a business address of 53333 770th Street,

Anita, Iowa 50020. Reeves owns Reeves Roofing and Reeves Construction.

Page 3 of 17

6. Reeves claims that Reeves Construction owns Reeves Roofing. Reeves Construction and

Reeves Roofing have not filed anything with the Iowa Secretary of State to establish this

business relationship.

7. Pursuant to Iowa Code § 505.28, Respondents consented to the jurisdiction of the

Commissioner of Insurance by committing acts governed by chapter 522C.

8. From on or about July 8, 2022, to present, Respondents engaged in acts and practices

within the state of Iowa constituting cause for a summary order to cease and desist from

engaging in such acts or practices and any other corrective action the Commissioner deems

necessary and appropriate pursuant to Iowa Code § 505.8(1), Iowa Code chapters 522C and

507B, and rules adopted pursuant to these chapters.

II. FINDINGS OF FACT

9. Reeves Roofing is not licensed in the state of Iowa as a public adjuster.

10. Reeves Construction is not licensed in the state of Iowa as a public adjuster.

11. Reeves is not licensed in the state of Iowa as a public adjuster.

Consumer Company M&M

12. Consumer company M&M LLC (“M&M”) is an Iowa limited liability company formed

in 2013. M&M operates a farm business in Fontenelle, Iowa.

13. On or about June 7, 2022, a storm caused damage to M&M’s business. Multiple

buildings owned by M&M were damaged in the storm including a dwelling, silos, grain bins,

garages, and multiple pole buildings.

14. On June 8, 2022, M&M submitted a claim to Farm Bureau Financial Services (“Farm

Bureau”) for hail and wind damage under their insurance policy.

Page 4 of 17

15. On or about, July 8, 2022, M&M hired Reeves Roofing to complete the repairs to their

business and home.

16. On August 18, 2022, Reeves explained to Farm Bureau that “Darren Reeves construction

is a general contractor company that owns reeves roofing.”

17. Respondents negotiated the claim on behalf of M&M from July 8, 2022, until M&M

hired a public adjuster in late December 2022.

18. During his time negotiating the claim, Reeves requested that Farm Bureau modify their

Xactimate estimate on the pole buildings to reflect a different category code for the metal roofs.

Farm Bureau uses Xactimate which is a software program used for property loss valuation.

Reeves further requested that Farm Bureau add ten percent overhead and ten percent profit to the

estimates. Farm Bureau stated they can only add overhead and profit after the contractor

submitted unredacted invoices for materials and subcontractors. Reeves was informed that Farm

Bureau would not modify the existing Xactimate estimate.

19. On December 26, 2022, Reeves sent an email to Farm Bureau:

ATTACHED IS A CORRECT ESTIMATE. YOU SEND ME OVER A

CORRECTED XACTIMATE OR I WILL FORWARD THIS JOB TO THE

ADJUSTER GROUP AND WASTE MORE OF MY TIME AND YOURS. MY

USE OF XACTIMATE CORRECTLY IS A REASONABLE ESTIMATE PUT IN

PLACE TO HELP MY COMPANY STAY IN BUSINESS. PLEASE FORWARD

ON TO YOUR BOSS AND DONT WASTE MY TIME ANYMORE. THANK

YOU.

20. After Reeves sent this email, M&M hired a representative from The Adjusters Group and

the claim proceeded through arbitration.

Reeves Roofing Facebook Page, Websites and Google Reviews

21. Reeves Roofing maintains at least two websites, a Facebook Page, and is associated with

a Google business page where customers can post reviews. The website reevesroofingco.com

Page 5 of 17

and roofingcorrectly.com are linked to the Facebook page. Website roofingcorrectly.com is

linked to the Google business page. Both websites are publicly available as of the date of this

filing.

Reevesroofingco.com

22. On March 17, 2024, a testimonial attributed to two individuals, R.C. and S.C., was posted

on reevesroofingco.com stating:

Darren,

Thank you so much for making our house look totally awesome. We never dreamt

we would ever be able to re-side it. Thank you for all the legwork you did with the

claims and the insurance. I never would have been able to get the approvals for

everything. If we ever hear of anyone that needs a new roof or siding, you will be

the first name we recommend.0F

23. Another review posted to reevesroofingco.com, that does not contain a date or consumer

name, states: “They worked with my insurance company and it seemed to go very well.”1F

Roofingcorrectly.com

24. Reeves Roofing further maintains a publicly accessible website roofingcorrectly.com.2F

Reeves Roofing posted on their website, “In some states, contractors may be prohibited from

interpreting your policy, so if you have questions consult your agent or carrier.”3F

25. Roofingcorrectly.com includes several statements indicating the company name as

Reeves Roofing, and states that Reeves Roofing has been in the business of roofing for over 20

years.4F

The website has a copyright line stating it is copyrighted by Reeves Roofing.

Reeves Roofing, reevesroofingco.com (last visited June 12, 2024).

Id.

Roofing Correctly, roofingcorrectly.com (last visited June 12, 2024).

Id.

Id. at Frequently Asked Questions (last visited June 12, 2024).

Page 6 of 17

Reeves Roofing Facebook Page

26. Reeves Roofing maintains a Facebook page under the name, “Reeves Roofing.”5F

This

Facebook page contains numerous videos from Greenfield, Iowa. These videos and posts contain

advertisements that Reeves Roofing is working in Greenfield repairing damage from the May 21,

2024, tornado. As of the date of this filing, the most recent posts are from June 14, 2024.

27. On March 17, 2023, Reeves Roofing posted the same testimonial from consumers R.C.

and S.C. to their Facebook page that was posted on their website reevesroofingco.com.

28. On September 24, 2023, an advertisement was posted by Reeves Roofing on their

Facebook page that states:

[C]ustomer reached out [t]o Reeves Roofing after insurance [r]efused to settle their

claim paying only for gutters. After contacting Reeves Roofing and having them

do their inspection of the damages, and working with the insurance, the outcome

was beautiful. [Consumers] received a new decora metal roof and all brand new

windows in the entire home! Call Reeves Roofing [XXX-XXX]-0068 if you need

a contractor that knows the insurance process. Roofingcorrectly.com

29. On November 17, 2023, Reeves Roofing posted on its Facebook page an advertisement

in the form of a ten second video. This video shows multiple pictures of completed projects with

text below stating:

Your local Storm Damage Pros

Call Reeves Roofing for a Free Inspection

Reeves Roofing will work with the insurance company for storm damage

Over 20 Years Local Experience Installing Siding, Gutters, All Types of Roofing

RoofingCorrectly.com [XXX-XXX]-0068

Google Reviews

30. Reeves Roofing is listed as a business in Google. They list their phone number as X-

0068, and their website as roofingcorrectly.com. Attached to this page there are google reviews.6F

Posts, Reeves Roofing, Facebook, (last visited June 13, 2024), www.facebook.com/ReevesRoofingco.

Reviews , Reeves Roofing,

https://www.google.com/search?q=reeves+roofing&sca_esv=24bbad5dfa0464e6&sca_upv=1&rlz=1C1GCEA_enU

Page 7 of 17

Google reviews do not contain the exact date that reviews are posted but do indicate the length of

time since the review was posted.

31. Six months before the date of this filing, Consumer D.S. posted a Google review for

Reeves Roofing stating: “We had the BEST experience with Darren and his company. He went

above and beyond in working with the insurance agents when we couldn’t get anywhere.” There

is a response from the owner stating “Thank you! I enjoyed working with you.”

32. Six months before the date of this filing, Consumer G.D. posted a Google review for

Reeves Roofing stating: “Darren helped me in working with the insurance company which is

never fun.” There is a response from the owner, “Thank you.”

33. Six months before the date of this filing, Consumer S.M. posted a Google review for

Reeves Roofing stating: “Darren worked vigorously with my insurance company to get them to

pay for my siding.” There is a response from the owner, “Thanks [S]”.

34. Six months before the date of this filing, Consumer D.C. posted a Google review for

Reeves Roofing stating: “They are fast and efficient and fight with the insurance company for

you to get the most out of your claim.” There is a response from the owner, “Thank you [D]!”

35. A year before the date of this filing, Consumer J.M. posted a Google review for Reeves

Roofing stating: “Darren is highly proficient in dealing with insurance companies and put forth

great effort to work through the claims process.” There is a response from the owner, “Thanks

[J].”

S1074US1074&ei=ZKZpZvyIK6i2ptQPlbS8kAQ&ved=0ahUKEwj8yti5mdaGAxUom4kEHRUaD0IQ4dUDCBA

&uact=5&oq=reeves+roofing&gs_lp=Egxnd3Mtd2l6LXNlcnAiDnJlZXZlcyByb29maW5nMgoQABiABBhDGIoF

MgUQABiABDILEC4YgAQYxwEYrwEyBhAAGAcYHjIGEAAYBxgeMgYQABgHGB4yDhAuGAcYxwEYChg

eGK8BMgYQABgHGB4yBRAAGIAEMgsQABiABBiRAhiKBUj-

B1AAWABwAHgAkAEAmAFooAFoqgEDMC4xuAEDyAEA-

AEBmAIBoAJ3mAMAkgcDMC4xoAe1CQ&sclient=gws-wiz-

serp#ip=1&lrd=0x87ec95e6e873827d:0x2c8bf3f06235099b,1 (last visited June 12, 2024).

Page 8 of 17

36. A year before the date of this filing, Consumer B.M. posted a review stating, “Reeves

was great. He came out, shortly after I called him, took his time, got some pictures, showed me

the damage to my roof and sent in the claim to my insurance the same day.” There is a response

from the owner stating, “I apologize for the delay in insurance, as soon as they follow up, I will

get it sorted out for you.”

37. A year before the date of this filing, Consumer C.B. posted a review that contained,

“They worked with my insurance company, and it seemed to go very well.” The owner

responded, “Thank you!”

Undercover Operation

38. On May 24, 2024, an undercover special investigator from the Iowa Insurance Fraud

Bureau approached an individual who was standing next to a pickup truck with a decal indicating

it belonged to Reeves Roofing. The individual identified himself to the undercover investigator

as “Darren.” The undercover investigator stated that he was attempting to help his sister by

gathering contractors’ information since his sister had damage to her house and buildings.

Reeves provided the investigator with a “Reeves Roofing” business card and contained a number

he identified as his cellphone number (X-0068). The business card further listed the website

roofingcorrectly.com. The investigator asked Reeves how the process worked. Reeves stated that

he works for “insurance proceeds.” The investigator inquired if his sister would need to submit

and work with the insurance company to complete the claim process, and Reeves would just do

the work as the contractor. Reeves stated, “No I will handle everything for her, I will work

though and get it fixed up and right with her.” The investigator inquired if Reeves would

specifically deal with the insurance company for his sister. Reeves stated he deals with insurance

companies. Reeves further indicated that he had been an adjuster, and he knew how to work

Page 9 of 17

through everything. Reeves said that the insurance company would provide a scope after their

adjuster came out and if Reeves determined there were any issues with that scope, he would call

the insurance company. Reeves stated that the money listed on the insurance scope was what he

would work for.

III. CONCLUSIONS OF LAW

COUNT I

Unlicensed Public Adjuster

39. Iowa Code § 507A.5 provides that “[a] person or insurer shall not directly or indirectly

perform any act of doing an insurance business as defined in this chapter except as provided by

and in accordance with the specific authorization by statute.”

40. Iowa Code § 507A.3(1)(e) defines engaging in the business of insurance to include “[t]he

doing of any kind of insurance business specifically recognized as constituting the doing of an

insurance business within the meaning of the statutes relating to insurance.”

41. Under Iowa Code § 507A.10(2)(a):

Upon a determination by the commissioner that a person or insurer has engaged, is

engaging, or is about to engage in any act or practice constituting a violation of this

chapter or a rule adopted or order issued under this chapter, the commissioner may

issue a summary order, including a brief statement of findings of fact, conclusions

of law, and policy reasons for the decision, and directing the person or insurer to

cease and desist from engaging in the act or practice or to take other affirmative

action as is in the judgement of the commissioner necessary to comply with the

requirements of this chapter.

42. Under Iowa Code § 507A.10(1):

Upon a determination by the commissioner, after a hearing conducted pursuant to

chapter 17A, that a person or insurer has violated a provision of this chapter, the

commissioner shall reduce the findings of the hearing to writing and deliver a copy

of the findings o the person or insurer, may issue an order requiring the person or

insurer to cease and desist from engaging in the conduct resulting in the violation,

and may asses a civil penalty of not more than fifty thousand dollars against the

person or insurer.

Page 10 of 17

43. Acting as a public adjuster constitutes the doing of insurance business within the meaning

of Iowa Code § 507A.3(1). See Iowa Code § 522C.6(3)(b) (authorizing penalties for acting as an

unlicensed public adjuster pursuant to Iowa Code chapter 507A).

44. Iowa Code § 522C.4 states a “person shall not operate as or represent that the person is a

public adjuster in this state unless the person is licensed by the commissioner in accordance with

this chapter.” See also Iowa Admin. Code r. 191—55.3.

45. Under Iowa Code § 522C.2(6) a “person” includes an individual or business entity.

46. Iowa Code § 522C.2(7) defines “public adjuster” as “any person who for compensation

or any other thing of value acts on behalf of an insured by doing any of the following:

(a) Acting for or aiding an insured in negotiating for or effecting the settlement of

a first-party claim for loss or damage to real or personal property of the insured.

(b) Advertising for employment as a public adjuster of first-party insurance claims

or otherwise soliciting business or representing to the public that the person is a

public adjuster of first-party insurance claims for loss or damage to real or personal

property of an insured.

advising an insured about first-party claims for loss or damage to real or personal

property of the insured.”

47. Under Iowa Code § 522C6(3)(c):

If a person has engaged, is engaging, or is about to engage in any act or practice

constituting a violation of this chapter or any rule adopted or order issued pursuant

to this chapter, the commissioner may issue a summary order that includes a brief

statement of findings of fact, conclusions of law, and policy reasons for the order,

and that directs the person to cease and desist from engaging in the act or practice

constituting a violation and that may assess a civil penalty or take other affirmative

action as in the judgment of the commissioner is necessary to assure that the person

complies with the requirements of this chapter as provided in chapter 507A.

48. Under Iowa Code § 522C.6(3)(b), “a person who, after hearing, is found to have violated

this chapter by acting as a public adjuster without proper licensure may be ordered to cease and

Page 11 of 17

desist from engaging in the conduct resulting in the violation and may be assessed a civil penalty

according to the provisions of chapter 507A.”

49. Respondents have never been licensed as public adjusters in the state of Iowa.

50. Respondents are and have been operating as public adjusters in the state of Iowa.

Respondents assisted clients in making insurance claims and directly communicated with their

clients’ insurance company regarding the claims.

51. The advertisements located on a publicly available website and a publicly available

Facebook advertises, or creates the impression that, Respondents provide public adjusting

services by stating that they will work with the insurance company. Reeves Roofing posted a

separate advertisement claiming to know the insurance process. Further Reeves stated to

undercover investigators that he would “handle everything” with the insurance company. Reeves

further stated that he would call the insurance company if he found any issues with the scope

from the insurance company’s adjusters.

52. Respondents knew or should have known that operating as a public adjuster without a

license violates Iowa Code §§ 507A.5 and 522C.4.

53. Respondents’ acts and practices violated Iowa Code §§ 507A.5 and 522C.4, subjecting

Respondents to a summary order directing Respondents to cease and desist from engaging in

such acts or practices, the imposition of a civil penalty, and any other corrective action the

Commissioner deems necessary and appropriate pursuant to Iowa Code §§ 505.8, 507A.10,

522C.4, 522C.6, and Iowa Administrative Code rule 191—55.3.

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COUNT II

Unfair Trade Practices

54. Under Iowa Code § 507B.3 “a person shall not engage in this state in any trade practice

which is defined in this chapter as, or determined pursuant to section 507B.6 to be, an unfair

method of competition, or an unfair or deceptive act or practice in the business of insurance.”

55. Iowa Code § 507B.2(1) defines a “person” as any individual, “and any other legal entity

engaged in the business of insurance, including insurance producers and adjusters.” This

definition does not distinguish between an insurer’s adjusters and public adjusters.

56. Iowa Code § 507B.6 provides:

Whenever the commissioner believes that any person has been engaged in or is

engaging in this state in any unfair method of competition or any unfair or deceptive

act or practice whether or not defined in section 507B.4, 507B.4A, or 507B.5 and

that a proceeding by the commissioner in respect to such method of competition or

unfair or deceptive act or practice would be in the public interest, the commissioner

shall issue and serve upon such person a statement of charges in that respect and a

notice of a hearing on such charges to be held at a time and placed fixed in the

notice, which shall not be less than ten days after the date of the service of such

notice.

57. Iowa Code § 507B.6A allows the Commissioner to issue a summary order and direct the

person to cease and desist from engaging in acts or practices or to take other affirmative action as

necessary to comply with Iowa Code chapter 507B.

58. The Commissioner has consistently concluded that the prohibition of unfair acts and

practices in Iowa Code § 507B.3 includes acts and practices that offend public policy as

established by law and are likely to cause substantial injury to insurance purchasers. In the

Matter of 33 Carpenters Construction, Inc. ("33 Carpenters"), Division Case No. 105269, 2021

WL 1717542, at *12 (Iowa Ins. Div., April 19, 2021); In the Matter of Mark S. Diamond,

Division Case No. 96975, 2019 WL 5677529, at *38 (Iowa Ins. Div., Oct. 23, 2019); In the

Matter of Newman, Division Case No. 91936, 2017 WL 6504574, at *8 (Iowa Ins. Div., Jan. 24,

Page 13 of 17

2017). The Commissioner also considers whether the likely injury is unavoidable and not

outweighed by any consumer or competitive benefits. State ex rel. Miller v. Vertrue, Inc., 834

N.W.2d 12, 33–34 (Iowa 2013); 33 Carpenters, 2021 WL 1717542, at *12.

59. Iowa Code § 103A.71(3) provides:

A residential contractor shall not represent or negotiate on behalf of, or offer or

advertise to represent or negotiate on behalf of, an owner or possessor of residential

real estate on any insurance claim in connection with the repair or replacement of

roof systems, or the performance of any other exterior repair, exterior replacement,

or exterior reconstruction work on the residential real estate.

60. Iowa Code § 103A. 71 (3) prohibits residential contractors from acting as public

adjusters. 33 Carpenters Constr., Inc. v. State Farm Life & Casu. Co., 939 N.W.2d 69, 80 (Iowa

2020). The Commissioner has previously found that "Iowa's Insurance Trade Practices law

would prohibit as an unfair practice any public adjuster or residential contractor from doing

indirectly what the law prohibits directly." 33 Carpenters, 2021 WL 1717542, at * 10.

61. Performing, offering to perform, or advertising to perform acts that fall under Iowa Code

§ 522C.2(7), without obtaining proper licensure, and in contravention of Iowa Code § 103A.71,

which places limitations on residential contractors, is an unfair trade practice.

62. Reeves Contracting is and has been a residential contractor within the meaning of Iowa

Code § 103A.71 at all relevant times hereto.

63. Reeves Roofing is and has been committing an unfair trade practice by acting as a

residential contractor in the state of Iowa without being a registered business in the state of Iowa

and without having a valid contractor’s registration in the state of Iowa in violation of Iowa Code

§ 103A.71.

Page 14 of 17

64. Reeves committed an unfair trade practice by acting as a public adjuster in offering to

negotiate insurance claim on the behalf of a potential customer in violation of Iowa Code §§

103A.71(3) and 522C.4.

65. Reeves committed an unfair trade practice by stating that he had previously been an

adjuster to potential customers to mislead them to believe that he had some special skill or

knowledge allowing him to communicate to the insurance company in violation of Iowa Code §§

103A.71(3) and 522C.4.

66. Respondents committed an unfair trade practice by acting as a public adjuster in

negotiating an insurance claim with Farm Bureau for M&M to their first-party insurance claim

on their behalf in violation of Iowa Code §§ 103A.71(3) and 522C.4.

67. Respondents’ acts and practices violated Iowa Code §§ 507B.3 and 522C.4, subjecting

Respondents to a summary order requiring Respondents to cease and desist from engaging in

such acts or practices, the imposition of a civil penalty, imposition of costs of the investigation

and prosecution of the matter, and any other corrective action the Commissioner deems

necessary and appropriate pursuant to Iowa Code §§ 505.8, 507B.6, 507B.6A, 507B.7 and

522C.6.

IV. POLICY REASONS

68. The role of a public adjuster is to assist the insured in negotiating a fair settlement of an

insurance claim. A public adjuster’s license imputes specific duties of care and statutory

responsibilities that a public adjuster must follow in serving the interests of the insured. An

unlicensed public adjuster may not abide by these duties of care or serve the best interests of the

insured. Therefore, it is in the public interest for the Commissioner to enforce the insurance laws

of the state that require all persons acting as public adjusters to be properly licensed.

Page 15 of 17

69. Reeves Roofing and Reeves Construction are active businesses and are engaging, and

may continue to engage, in the fraudulent and deceptive practices described above. It is contrary

to the public interest to permit Respondents to continue to engage in these practices in the state

of Iowa.

V. ORDER

IT IS THEREFORE ORDERED that, pursuant to Iowa Code § 522C.6, Respondents

and any of their agents, representatives, employees, and officers shall not, directly or indirectly:

(1) Act for or aid an insured in negotiating for or effecting the settlement of any first-

party claim for loss or damage to real or personal property of the insured;

(2) Advertise for employment as a public adjuster of first-party insurance claims or

otherwise solicit business or representing to the public that the person is a public

adjuster of first-party insurance claims for loss or damage to real or personal property

of an insured; or

(3) Directly or indirectly solicit business investigating or adjusting losses, or advising an

insured about first-party claims for loss or damage to real or personal property of the

insured.

IT IS FURTHER ORDERED that Respondents and any of their agents, representatives,

employees, and officers pursuant to Iowa Code §§ 522C.6 and 507B.6A, shall immediately cease

and desist from publishing, disseminating, or circulating, or placing before the public any and all

advertisements which offer, or create the impression that Respondents offer, public adjusting

services.

Page 16 of 17

CERTIFICATE OF SERVICE

The undersigned certifies that the foregoing instrument was served upon all parties

to the above cause, or their attorney, at their respective addresses disclosed on the

pleadings on _______________________________, 2024.

y: ( ) First Class Mail ( ) Personal Service

( ) Restricted certified mail, return receipt ( ) Email

( ) Certified mail, return receipt ( ) ______________

ignature: _____________________________________

Brooke Hohn

SO ORDERED on the 21st day of June, 2024.

___________________________

DOUGLAS M. OMMEN

Iowa Insurance Commissioner

Copies to:

Darren Reeves Roofing LLC

53333 770th St.

Anita, IA 50020

Darren Reeves Construction LLC

53333 770th St.

Anita, IA 50020

United States Corporation Agents, Inc.

4200 University Boulevard, Suite 426,

West Des Moines, Iowa 50266

Darren L. Reeves

308 Cass Street

Adair, IA 50020

Iowa Secretary of State

321 E. 12

Street

Des Moines, Iowa 50319

RESPONDENTS

June 21

/s/ Brooke Hohn

Page 17 of 17

NOTICE OF RIGHT TO REQUEST HEARING

YOU ARE NOTIFIED that you may request a contested case proceeding and a hearing

on this matter within thirty (30) days from the date that the order is issued according to Iowa

Code § 507A.10. This request must be in writing and filed to the attention of the Enforcement

Bureau: enforcement.fili[email protected].

If requested, a notice of the hearing shall be prepared by the Division and shall be issued

no later than thirty (30) days from the date of receipt of a timely request for a contested case

proceeding and hearing. The resulting hearing will be held in accordance with Iowa

Administrative Code chapter 191—3.

NOTICE OF FINAL ORDER AND FAILURE TO REQUEST A HEARING

If you fail to request a hearing within thirty (30) days of the date of this Cease and Desist

Order, the Order shall become final by operation of law and shall be enforceable by the

Commissioner of Insurance in an administrative or court proceeding.

NOTICE OF EXHAUSTION OF ADMINISTRATIVE REMEDIES AND RIGHT TO

SEEK JUDICIAL REVIEW

The failure to request a hearing may constitute a failure to exhaust your administrative

remedies and limit the issues subject to judicial review. You may seek judicial review of this

Order pursuant to Iowa Code chapter 17A after the Order becomes final.

NOTICE OF PENALTIES FOR VIOLATION OF THIS ORDER

YOU ARE NOTIFIED that a person or insurer who violates this Order shall be deemed

in contempt of this Order. The Commissioner may petition the district court to hold a hearing to

enforce the order as certified by the Commissioner. The district court may assess a civil penalty

against you and may issue further orders as it deems appropriate.