Modifies provisions relating to homeowner's insurance

Summary

The measure redirects twelve million dollars from the Insurance Dedicated Fund to a newly created Missouri’s Stronger Homes Fund and overhauls how public adjusters can be paid. It caps adjuster commissions at 10% of a settlement, bans percentage fees when an insurer pays policy limits within ten days, and adds disclosure and conduct requirements. The changes affect insurers, public adjusters, homeowners filing claims, and state budgeting for disaster‑related housing programs.

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