Creates provisions relating to insurance coverage for damage to siding on real property

Summary

The bill adds a new section to Missouri insurance law that obligates insurers offering homeowners or dwelling‑owners policies, starting Jan. 1, 2027, to cover damage to a home’s siding. If matching replacement siding isn’t reasonably available, the insurer must either replace all siding for homeowners policies or pay the cost as if all siding were damaged for dwelling‑owners policies. The measure failed to pass.

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