| 1 | 1 | | FIRSTREGULARSESSION |
|---|
| 2 | 2 | | HOUSEBILLNO.1433 |
|---|
| 3 | 3 | | 103RDGENERALASSEMBLY |
|---|
| 4 | 4 | | INTRODUCEDBYREPRESENTATIVEMOSLEY. |
|---|
| 5 | 5 | | 2250H.01I JOSEPHENGLER,ChiefClerk |
|---|
| 6 | 6 | | ANACT |
|---|
| 7 | 7 | | Toamendchapter379,RSMo,byaddingtheretoonenewsectionrelatingtoinsurance |
|---|
| 8 | 8 | | coverageofadditionallivingexpensesduetogunviolence. |
|---|
| 9 | 9 | | BeitenactedbytheGeneralAssemblyofthestateofMissouri,asfollows: |
|---|
| 10 | 10 | | SectionA.Chapter379,RSMo,isamendedbyaddingtheretoonenewsection,tobe |
|---|
| 11 | 11 | | 2knownassection379.965,toreadasfollows: |
|---|
| 12 | 12 | | 379.965.1.Asusedinthissection,unlessthecontextotherwiserequires,the |
|---|
| 13 | 13 | | 2followingtermsmean: |
|---|
| 14 | 14 | | 3 (1)"Coveredpolicy",anypolicyof: |
|---|
| 15 | 15 | | 4 (a)Homeowners'insurance,asdefinedinsection374.400; |
|---|
| 16 | 16 | | 5 (b)Dwelling-owners'insurance,asdefinedinsection374.400;or |
|---|
| 17 | 17 | | 6 (c)Renters'ortenants'insurance,asdefinedinsection374.400; |
|---|
| 18 | 18 | | 7 (2)"Gunviolenceincident",anyuseofafirearm,asdefinedinsection571.010, |
|---|
| 19 | 19 | | 8thatresultsinshotsorexplosionsregardlessofwhethersuchusetargetedaspecific |
|---|
| 20 | 20 | | 9individualorpropertyincluding,butnotlimitedto,drive-byshootings,gunfirecausing |
|---|
| 21 | 21 | | 10structuraldamage,oranyactofgunviolencethatdisruptsaninsured'sabilitytolivein |
|---|
| 22 | 22 | | 11theinsuredproperty; |
|---|
| 23 | 23 | | 12 (3)"Insured",anyindividualcoveredunderacoveredpolicy; |
|---|
| 24 | 24 | | 13 (4)"Insurer",anyinsurancecompany,includinganyreciprocalorinter- |
|---|
| 25 | 25 | | 14insuranceexchange,licensedandauthorizedbythedirectortowritehomeowners' |
|---|
| 26 | 26 | | 15insurance,dwelling-owners'insurance,orrenters'ortenants'insuranceuponproperty |
|---|
| 27 | 27 | | 16locatedwithinthisstate. |
|---|
| 28 | 28 | | EXPLANATION—Matterenclosedinbold-facedbrackets[thus] intheabovebillisnotenactedandis |
|---|
| 29 | 29 | | intendedtobeomittedfromthelaw.Matterinbold-facetypeintheabovebillisproposedlanguage. 17 2.Eachinsurerthatoffersorissuescoveredpoliciesthataredelivered,issuedfor |
|---|
| 30 | 30 | | 18delivery,continued,orrenewedinthisstateonorafterJanuary1,2026,andthat |
|---|
| 31 | 31 | | 19providecoverageforanydamagetorealorpersonalpropertycausedbygunviolence |
|---|
| 32 | 32 | | 20incidentsshallprovidecoverageforanyreasonableincreaseinlivingexpensesincurred |
|---|
| 33 | 33 | | 21asaresultofagunviolenceincidentthat: |
|---|
| 34 | 34 | | 22 (1)Occursatorneartheinsuredproperty;and |
|---|
| 35 | 35 | | 23 (2)Causesanyinjuryordamage,includingphysicaldamagetotheinsured |
|---|
| 36 | 36 | | 24property,thatrenderstheinsuredpropertytemporarilyuninhabitable. |
|---|
| 37 | 37 | | 25 3.Thecoveragerequiredunderthissectionshallbedesignedtohelpwith |
|---|
| 38 | 38 | | 26expensessuchastemporaryhousing,meals,andothernecessarylivingcostswhilethe |
|---|
| 39 | 39 | | 27insuredpropertyisbeingrepairedorreplaced. |
|---|
| 40 | 40 | | 28 4.Aninsurershallspecifyinthepolicydeclarationsofthecoveredpolicythe |
|---|
| 41 | 41 | | 29maximumamounttheinsurerwillpayforadditionallivingexpensesunderthissection, |
|---|
| 42 | 42 | | 30whichshallbeeither: |
|---|
| 43 | 43 | | 31 (1)Adollaramountlimitinwhichtheinsurerpaysuptothespecifieddollar |
|---|
| 44 | 44 | | 32amountlistedinthecoveredpolicyforadditionallivingexpenses;or |
|---|
| 45 | 45 | | 33 (2)Anendingdatelimitinwhichtheinsurerprovidescoverageforaperiodnot |
|---|
| 46 | 46 | | 34toexceedthenumberofdaysspecifiedinthecoveredpolicy,startingfromthedateof |
|---|
| 47 | 47 | | 35thegunviolenceincidentorthedatetheinsuredpropertybecomesuninhabitable. |
|---|
| 48 | 48 | | 36 5.Thecoveragerequiredunderthissectionshallcontinuefortheduration |
|---|
| 49 | 49 | | 37requiredtorepairorreplacethedamagedpropertyor,iftheinsuredpermanently |
|---|
| 50 | 50 | | 38relocates,forthetimerequiredfortheinsured'shouseholdtosettleelsewhereoruntil |
|---|
| 51 | 51 | | 39theinsured'shouseholdcanmaintainitsnormalstandardofliving.Thecoverage |
|---|
| 52 | 52 | | 40periodshallbesubjecttothelimitdefinedbythecoveredpolicyasrequiredunder |
|---|
| 53 | 53 | | 41subsection4ofthissection.Paymentsshallbemadeforthetimeneededforrepairsto |
|---|
| 54 | 54 | | 42restorethepropertytoahabitableconditionoruntiltheinsured'srelocationis |
|---|
| 55 | 55 | | 43complete. |
|---|
| 56 | 56 | | 44 6.Expenseseligibleforcoverageunderthissectionmayinclude,butarenot |
|---|
| 57 | 57 | | 45limitedto: |
|---|
| 58 | 58 | | 46 (1)Temporaryhousing,suchasrentforahotel,apartment,orrentalhome; |
|---|
| 59 | 59 | | 47 (2)Increasedtransportationcosts; |
|---|
| 60 | 60 | | 48 (3)Mealsoverandabovetheinsured'snormalexpenses;and |
|---|
| 61 | 61 | | 49 (4)Othernecessarylivingexpenses. |
|---|
| 62 | 62 | | 50 7.Coveragerequiredunderthissectionshallnotinclude: |
|---|
| 63 | 63 | | 51 (1)Expensestheinsuredincursduetoevacuationordersnotrelatedtothegun |
|---|
| 64 | 64 | | 52violenceincident; |
|---|
| 65 | 65 | | HB1433 2 53 (2)Anylivingexpensesunrelatedtotheinsured'sinabilitytoliveintheinsured |
|---|
| 66 | 66 | | 54propertyfollowingthegunviolenceincident;or |
|---|
| 67 | 67 | | 55 (3)Anyexpensesthatarenotdeemedreasonableandnecessarybytheinsurer. |
|---|
| 68 | 68 | | 56 8.Coveragerequiredunderthissectionshallapplyoncetheinsuredpropertyis |
|---|
| 69 | 69 | | 57uninhabitableduetothegunviolenceincident.Aninsurermayimposeawaitingperiod |
|---|
| 70 | 70 | | 58ofuptoforty-eighthoursbeforecoveragebecomeseffective. |
|---|
| 71 | 71 | | 59 9.Aninsuredshallnotreceivethecoveragerequiredunderthissectionunless |
|---|
| 72 | 72 | | 60theinsured: |
|---|
| 73 | 73 | | 61 (1)Notifiestheinsurerimmediatelyafterthegunviolenceincidentoccurs.The |
|---|
| 74 | 74 | | 62notificationshallincludethespecificdetailsofthegunviolenceincident; |
|---|
| 75 | 75 | | 63 (2)Providesdocumentationofalladditionallivingexpensesincurred;and |
|---|
| 76 | 76 | | 64 (3)Cooperateswiththeinsurer'sinvestigation,includingbyprovidingaccessto |
|---|
| 77 | 77 | | 65receiptsandanynecessaryrecordstosubstantiatetheclaim. |
|---|
| 78 | 78 | | âś” |
|---|
| 79 | 79 | | HB1433 3 |
|---|