Iowa Code Title XI. Natural Resources [Chs. 455-485] § 462A.27B. Dock structures--insurance

1. A person with a valid class I or class III dock permit, as provided in 571 IAC ch. 16, may construct a roof to protect a hoist or slip if all of the following apply:

2. To install a roof on a private dock pursuant to subsection 1, a person must maintain dock liability insurance with minimum per occurrence coverage of at least one million dollars.  The owner of the private dock shall be liable for any damages caused by the roof constructed on the private dock.

3. Notwithstanding any other provision of law to the contrary, an association may establish additional restrictions and requirements in the association's rules and regulations regarding the construction of a roof on a private dock.  Restrictions and requirements adopted pursuant to the authority granted to an association under this subsection shall only apply to the association's members and the association's members' guests.

4. For purposes of this section, “association” means a nonprofit corporation incorporated under chapter 504, named as an association, that manages a community that is located on a subdivision that is adjacent to or abuts a public lake.