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SB 1376MISSOURISession 2026State Billpassed chamber
Passed

Missouri bill overhauls property casualty insurance regulations, creates Stronger Homes Fund, and limits public adjuster fees

Original title: Modifies provisions relating to the boards of directors of certain insurance companies

Last action · May 15, 2026: Informal Calendar S Bills for PerfectionSponsor: Curtis Trent

Bill progressHistory & official text ↓
Introduced
Committee
Floor Vote
Passed
Law

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What This Bill Would Do

This act modifies property casualty insurance regulations by creating the Missouri Disaster Mediation Act and the Missouri Stronger Homes Act, establishing fund transfers, and setting new limits and caps on commissions. It also reduces the minimum required board of directors for certain insurance companies from nine members to five and prohibits assignments.

Why it matters

Policyholders face new restrictions on assigning post-loss insurance claims, capped fees at 10% during declared emergencies, and gain access to an alternative dispute resolution program for weather-related property claims and grant opportunities for home wind-mitigation retrofits.

Background
  • Curtis Trent serves as a Republican member of the Missouri Senate representing District 20. context
  • The Missouri General Assembly is the state legislature responsible for enacting statutory changes to insurance and civil laws. context

Who It Would Affect

Groups the bill's text would affect if enacted, as described in the record. Being affected is not a position for or against it.

Directly affected

Property casualty insurers

Insurers face new restrictions on cancelling policies due to roof age, must fund mediation costs, must submit rating plans for premium discounts, and are subject to restrictions on post-loss benefit assignments.

Directly affected

Residential property insurance policyholders

Homeowners gain access to disaster mediation programs, premium discounts for wind/hail retrofits, and grant opportunities up to $15,000, while facing restrictions on assigning post-loss benefits.

Directly affected

Public adjusters

Public adjusters face fee caps of 10% during declared emergencies, restrictions on fee structures based on policy limit payouts, and prohibitions against signing payment checks or soliciting claims tied to contractors.

Directly affected

Mutual insurance companies

Mutual insurance companies have their minimum board of directors requirement reduced from nine to five members and must comply with the Missouri Disaster Mediation Act.

Key Facts

You don't have to trust us. Each fact below is taken straight from the official document - click any one to see the exact passage, highlighted in the original.

Frequently Asked Questions

How much can a public adjuster charge during a declared state of emergency?
The total amount of compensation for a shall not exceed ten percent of the total insurance settlement on the claim.
Can an insurer refuse to renew my homeowner's insurance policy simply because my roof is over 15 years old?
No, if an inspection indicates that the roof has five years or more of useful life remaining, an insurer cannot refuse to issue, cancel, or refuse to renew a policy solely because of the roof's age.
What is the maximum grant amount available under the Missouri Stronger Homes Act?
The maximum amount of any grant awarded to an individual for retrofitting or constructing eligible properties to resist wind or hail shall not exceed fifteen thousand dollars.
Are post-loss insurance benefits allowed to be assigned under this act?
No, the act prohibits the assignment of s under any property insurance policy, making any agreement to assign them null and void.

What else do you want to know?

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Where This Stands

Currently passed chamber. The next step in the legislative lifecycle is Law.

Procedural history

11 actions
  1. May 15, 2026Senate
    Informal Calendar S Bills for Perfection
  2. Apr 15, 2026Senate
    SS S offered (Trent)--(4703S.03F)
  3. Apr 15, 2026Senate
    SA 1 to SS S offered & adopted (Crawford)--(4703S03.02S)
  4. Apr 15, 2026Senate
    SA 2 to SS S offered & adopted (Nurrenbern)--(4703S03.03S)
  5. Apr 15, 2026Senate
    Bill Placed on Informal Calendar
  6. Apr 8, 2026Senate
    Reported from S Insurance and Banking Committee
Show 5 earlier actions
  1. Mar 10, 2026SenateCommittee
    Voted Do Pass S Insurance and Banking Committee
  2. Mar 3, 2026Senate
    Hearing Conducted S Insurance and Banking Committee
  3. Jan 27, 2026SenateFloor
    Second Read and Referred S Insurance and Banking Committee
  4. Jan 7, 2026SenateIntroduced
    S First Read
  5. Dec 1, 2025Senate
    Prefiled

Version history & redline

3 versions on file
Comparing 4/15/2026 - SA 1 to SS S offered & adopted (Crawford)--(4703S03.02S) 4/15/2026 - Adopted → 4/15/2026 - SA 2 to SS S offered & adopted (Nurrenbern)--(4703S03.03S) 4/15/2026 - Adopted
removed addedOfficial text
removed: 4703S03.02S added: 4703S03.03S 1 SENATE AMENDMENT NO. ___ Offered by Of Amend SS/Senate Bill No. 1376 , Page removed: 28 added: 1 , Section removed: 379.3110 added: Title , Line removed: 9 added: 5 , by striking removed: "insurable" and inserting in lieu thereof the2 following: "eligible"; and3 added: the words "property casualty"; and2 Further amend said removed: bill and section, added: bill, page 9, section 375.991, line3 89 by inserting after all of said line removed: 25, by4 striking "insurable" added: the following:4 "376.1960. 1. As used in this section, the following5 terms mean:6 (1) "Health benefit plan", the same meaning given to7 the term in section 376.1350;8 (2) "Home blood pressure monitoring device", a mobile9 device that can be used to measure blood pressure, and removed: inserting added: that10 is validated for clinical accuracy and device calibration;1 (3) "Home blood pressure monitoring device services",1 patient education and training services on the setup and use1 of a home blood pressure monitoring device, separate self-1 measurement blood pressure readings, daily collection and1 transmission of data reports by the patient or caregiver to1 the health care provider in removed: lieu thereof the5 following: "eligible".6added: order to communicate blood1 pressure readings, review of the reports by the health care1 provider, and creation or modification of treatment plans1 2. Health benefit plans delivered, issued for2 delivery, continued or renewed in this state on or after2 January 1, 2026, and providing for maternity benefits, shall2 provide coverage for a home blood pressure monitoring device2 and home blood pressure monitoring device services for2 pregnant and postpartum women."; and2 Further amend the title and enacting clause accordingly.2
Redline computed from the official version text (record lane).View this version →

Lobbying Activity

No state lobbying filings in our records match this bill. Federal lobbying reports (LDA) cover Congress, so they are not listed on state bills.

Full breakdown

Who this bill affects and the strongest case for and against it, written only from the bill’s own text.

Sponsors

Curtis TrentSenate · District 20RepublicanPrimary sponsor

Discoveries

1 pattern noticed across the record

Patterns POLISCOPE noticed across the record. These are observations to investigate, not conclusions.

policy shift95% confidence

Creation of Dedicated Wind Mitigation and Mediation Frameworks

The bill establishes two major state-level structures—the Missouri Disaster Mediation Act and the Missouri Stronger Homes Act—coupled with mandatory fund transfers from existing insurance dedicated funds.

Missouri Disaster Mediation ActMissouri Stronger Homes ActMissouri's Stronger Homes Fund

Connected Entities

Curtis Trent, Missouri's Stronger Homes Fund, Missouri Stronger Homes Act and 5 more
PersonCurtis Trent“Republican Senator, District 20, serving as bill sponsor”Map →
OrganizationMissouri's Stronger Homes Fund“Newly created fund to assist with residential retrofitting grants”Map →
OrganizationMissouri Stronger Homes Act“Act creating grants for home construction or retrofitting against catastrophic w”Map →
OrganizationGeneral Assembly“Missouri state legislative body”Map →
OrganizationDepartment of Commerce and Insurance“State department tasked with enforcement, mediation administration, and grant ru”Map →
OrganizationInsurance Dedicated Fund“Source fund for transfers to the Stronger Homes Fund”Map →
OrganizationMissouri Disaster Mediation Act“Alternative dispute resolution program created by the act”Map →
OrganizationMedical Malpractice Joint Underwriting Association“Association whose board is authorized to suspend operations under certain condit”Map →

Sources

Open source document

www.senate.mo.gov

Analysis Score

0–100
  • Significance85
    How much this matters to a regular citizen
  • Controversy65
    Intensity of disagreement among stakeholders
  • Entertainment15
    Compellingness for a non-policy-wonk reader
  • Buzz50
    Current news / social attention level

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