Missouri legislation · 2025 Regular Session
Missouri HB908: Creates provisions relating to insurance coverage for damage to siding on real property
Status: In committee, May 15, 2025
What the bill says
To amend chapter 379, RSMo, by adding thereto one new section relating to insurance coverage for damage to siding on real property. Section A. Chapter 379, RSMo, is amended by adding thereto one new section, to be known as section 379.970, to read as follows: 379.970. 1. As used in this section, the following terms mean: (1) "Dwelling-owners'insurance",thesamemeaninggiventotheterminsection 374.400; (2) "Homeowners' insurance", the same meaning given to the term in section 374.400; (3) "Insurer", any insurance company, including any reciprocal or interinsurance exchange, licensed and authorized.
From the introduced text:
To amend chapter 379, RSMo, by adding thereto one new section relating to insurance coverage for damage to siding on real property. Section A. Chapter 379, RSMo, is amended by adding thereto one new section, to be known as section 379.970, to read as follows: 379.970. 1. As used in this section, the following terms mean: (1) "Dwelling-owners'insurance",thesamemeaninggiventotheterminsection 374.400; (2) "Homeowners' insurance", the same meaning given to the term in section 374.400; (3) "Insurer", any insurance company, including any reciprocal or interinsurance exchange, licensed and authorized by the director to write homeowners' insurance or dwelling-owners' insurance upon property located within this state. 2. Each insurer that offers or issues policies of dwelling-owners' insurance or homeowners' insurance that are delivered, issued for delivery, continued, or renewed in thisstateonorafterJanuary1,2026,andthatprovidecoveragefordamagetosidingon real property shall provide coverage as required under this section. 3. If the damage to the siding to be covered by the insurer affected only part of the siding on the structure and replacement siding that matches the adjacent siding in quality, color, and size is not reasonably available, the insurer shall: (1) For damage covered under a homeowners' insurance policy, replace all siding on the structure so as to conform to a reasonably uniform appearance; and EXPLANATION -- Matter enclosed in bold-faced brackets [thus] in the above bill is not enacted and …