Filing Deadlines Under Iowa Law — and Why They Shape Every Decision
A statute of limitations is the period within which a lawsuit has to be started. Section 614.1 of the Iowa Code says actions may be brought within the stated times "after their causes accrue, and not afterwards, except when otherwise specially declared." For actions "founded on injuries to the person or reputation, including injuries to relative rights, whether based on contract or tort," the period is two years (section 614.1).
Product claims carry an outer limit as well. Under subsection 2A of the same section, a product-defect action for death or injury "shall not be commenced more than fifteen years after the product was first purchased, leased, bailed, or installed for use or consumption unless expressly warranted for a longer period of time" by the manufacturer, assembler, designer, supplier of specifications, seller, lessor or distributor. The subsection does not affect the time in which a person found liable may seek contribution or indemnity from another person whose actual fault caused the product to be defective. For an older backyard trampoline, the date it was first bought or installed can matter.
Children are treated differently. Section 614.8 of the Iowa Code extends the times limited in chapter 614, and in chapters 216, 659A, 669 and 670, except actions for penalties and forfeitures, so that minors "shall have one year from and after attainment of majority" to bring an action or make a claim, except as provided in section 614.1, subsection 9 (section 614.8). The same section gives persons with mental illness one year after the disability ends.
Claims against government follow their own statutes. Except as provided in section 614.8, section 670.5 requires a person claiming damages from a municipality, or its officer, employee or agent, for wrongful death, loss or injury to "commence an action therefor within two years after the alleged wrongful death, loss, or injury" (section 670.5). Under the State Tort Claims Act, section 669.13 bars a claim forever unless, within two years after it accrued, it "is made in writing and filed with the director of the department of management," again except as provided in section 614.8. The time to begin suit is extended six months from the mailing of the attorney general's notice of final disposition, or from withdrawal of the claim under section 669.5, if it would otherwise expire sooner; a further six-month extension applies where a court or agency decides this chapter is the exclusive remedy (section 669.13).
These periods are why timing so often comes up first. When an injury happened, who was hurt, whether a child was involved, and whether a public body owns the property are the details a case evaluation with our attorney can cover.