Bill Summary – FastDemocracy

                                     SECOND REGULAR SESSION
                        HOUSE BILL NO. 2250
                               103RD GENERAL ASSEMBLY


                           INTRODUCED BY REPRESENTATIVE ZIMMERMANN.

     3965H.01I                                                                    JOSEPH ENGLER, Chief Clerk


                                                AN ACT
     To amend chapter 379, RSMo, by adding thereto one new section relating to insurance
           coverage for damage to siding on real property.


     Be it enacted by the General Assembly of the state of Missouri, as follows:

             Section A. Chapter 379, RSMo, is amended by adding thereto one new section, to be
 2   known as section 379.970, to read as follows:
             379.970. 1. As used in this section, the following terms mean:
 2           (1) "Dwelling-owners' insurance", the same meaning given to the term in section
 3   374.400;
 4           (2) "Homeowners' insurance", the same meaning given to the term in section
 5   374.400;
 6           (3) "Insurer", any insurance company, including any reciprocal or inter-
 7   insurance exchange, licensed and authorized by the director to write homeowners'
 8   insurance or dwelling-owners' insurance upon property located within this state.
 9           2. Each insurer that offers or issues policies of dwelling-owners' insurance or
10   homeowners' insurance that are delivered, issued for delivery, continued, or renewed in
11   this state on or after January 1, 2027, and that provide coverage for damage to siding on
12   real property shall provide coverage as required under this section.
13           3. If the damage to the siding to be covered by the insurer affected only part of
14   the siding on the structure and replacement siding that matches the adjacent siding in
15   quality, color, and size is not reasonably available, the insurer shall:
16           (1) For damage covered under a homeowners' insurance policy, replace all
17   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 is
     intended to be omitted from the law. Matter in bold-face type in the above bill is proposed language.
HB 2250                                   2

18       (2) For damage covered under a dwelling-owners' insurance policy, pay an
19 amount equal to the amount the insurer would have paid if the covered damage had
20 occurred on all siding on the structure.
                                          ✔

Statutes affected: 
Introduced (3965H.01): 379.970