Bill > HB908

This bill creates new provisions for insurance coverage of siding damage on residential properties, specifically requiring insurers who offer homeowners' or dwelling-owners' insurance to handle partial siding damage in a more comprehensive manner. Starting January 1, 2026, when an insurance policy covers siding damage but the replacement siding cannot be matched exactly in quality, color, and size, insurers must take specific actions: for homeowners' insurance policies, they must replace all siding on the structure to ensure a uniform appearance, and for dwelling-owners' insurance policies, they must pay an amount equivalent to what they would have paid if the damage had occurred to all siding on the structure. The bill defines key terms such as "dwelling-owners' insurance" and "homeowners' insurance" by referencing existing definitions in section 374.400, and applies to any insurance company licensed to write these types of insurance in Missouri. This legislation aims to protect homeowners from being left with mismatched or partially damaged exterior siding after an insurance claim.

https://house.mo.gov/Bill.aspx?bill=HB908&year=2025&code=R