More than 200,000 insurance claims have been filed in Iowa since the Aug. 10 derecho lashed the state with 100-plus mph winds, according to a summary released by the Iowa Insurance Division. Of those claims reported as of Nov. 2, nearly 160,000 claims totaling more than $1.6 billion have been paid, and insurers are holding more than $1 billion in reserves to be used for the remaining claims, the regulator said in a press release. “As policyholders pursue claims under their insurance contracts, we encourage property owners to continue to work diligently with their insurance company and agent as they obtain the necessary repairs,” Iowa Insurance Commissioner Doug Ommen said in the release. “Adjustments can take time, but we have seen other challenges, including early cold, snow and some shortages of materials and contractors.  Delays in replacement of grain bins have garnered attention.” Consumers who believe that an insurance company is providing less than was promised in their contract can file a complaint with the Iowa Insurance Division, which will review the contract and claim details. Some unique complaint areas generated from the historic weather event include delays in the inspection process, delays in actually getting the repairs made and delays in communication. To date, the division has received just over 90 derecho-related claims complaints. Iowans can use this link to file a complaint with the Iowa Insurance Division.