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