Bill > HB2250

This bill creates a new section of Missouri law that requires insurers offering dwelling-owners' or homeowners' insurance to provide specific coverage for siding damage on real property, effective January 1, 2027. The legislation defines key terms such as "dwelling-owners' insurance", "homeowners' insurance", and "insurer", and establishes rules for how insurance companies must handle partial siding damage. Specifically, if only part of a structure's siding is damaged and matching replacement siding is not reasonably available, insurers must either replace all siding on the structure to ensure a uniform appearance (for homeowners' insurance) or pay an amount equivalent to what they would have paid if the entire siding was damaged (for dwelling-owners' insurance). This bill aims to provide more comprehensive and fair insurance coverage for property owners when siding is damaged, ensuring that homeowners are not left with mismatched or partially replaced exterior surfaces.

https://house.mo.gov/Bill.aspx?bill=HB2250&year=2026&code=R