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House bill seeks to protect insured homeowners after disasters

Missouri would create a disaster mediation program to resolve insurance claim disputes between homeowners and insurers.
The bill would require the insurer to pay for mediator costs and set a 60-day window to request mediation after a denial.
A new grant program would fund retrofits to strengthen homes against natural disasters.
Funding for the retrofit grants would come from a dedicated fund funded by a $12 million annual transfer.
The measure includes updates to public adjuster provisions as part of the broader reform.
Lawmakers discussed potential impacts on St. Louis residents after the May 2025 tornado during the hearing.
The bill aims to provide faster, cheaper, less formal solutions for insurance disputes.
The proposals are designed to improve homeowners’ readiness for future disasters in Missouri.
The legislation includes two named acts: Missouri Disaster Mediation Act and Missouri Stronger Homes Act.
The House Insurance Committee held a public hearing on the measure in mid-April.

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