Missouri 2026 Regular Session Status: In Committee 1 R cosponsors

HB 3328 — Establishes the Missouri Disaster Mediation Act and Missouri Stronger Homes Program relating to disasters

Last action — HCS Reported Do Pass (H) - AYES: 9 NOES: 0 PRESENT: 0

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  1. ✓
    Introduced
  2. 2
    In Committee
  3. 3
    Passed House
  4. 4
    Passed Senate
  5. 5
    To Executive
  6. 6
    Enacted

This bill is in committee in the House. Introduced February 17, 2026. It must pass committee before a floor vote.

Next likely step: a committee vote, then a floor vote in the House.

Prognosis

Advancing 36% · moderate confidence

Where this bill stands today.

Odds of enactment

Low

How often bills like it became law.

  • In Committee

    Current position in the legislative process.

  • 1 sponsor

    1 primary, 0 co-sponsors signed on.

  • Single-party support

    Sponsorship is currently within one party (1 R).

  • Cleared a recorded vote

    Passed 1 recorded vote so far.

Prognosis reads this bill's own signals — stage, sponsorship breadth, committee status, recorded votes and cross-state momentum. Odds come from a model trained on which bills have become law.

Bill Text

What changed in the latest version

286 added · 249 removed

Plain-language change summary

The updated version of Bill HB 3328 expands the number of sections related to homeowner's insurance from twenty-eight to thirty-one. Significant changes include clarifications on how public adjusters are compensated; they may receive a reasonable fee based on time spent rather than a commission that exceeds a certain percentage of the total insurance settlement. This amendment aims to protect homeowners by ensuring that public adjuster fees are fair and transparent, especially when insurers promptly respond to reported claims.

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SECOND REGULAR SESSION HOUSE BILL NO.
SECOND REGULAR SESSION HOUSE COMMITTEE SUBSTITUTE FOR HOUSE BILL NO.
3328 103RD GENERAL ASSEMBLY INTRODUCED BY REPRESENTATIVE CASTEEL.
3328 103RD GENERAL ASSEMBLY 6999H.02C JOSEPH ENGLER, Chief Clerk AN ACT To repeal sections 33.080, 325.055, and 375.991, RSMo, and to enact in lieu thereof thirty- one new sections relating to homeowner's insurance, with penalty provisions.
6999H.01I JOSEPH ENGLER, Chief Clerk AN ACT To repeal sections 33.080, 325.055, and 375.991, RSMo, and to enact in lieu thereof twenty- eight new sections relating to homeowner's insurance, with penalty provisions.
Sections 33.080, 325.055, and 375.991, RSMo, are repealed and twenty- eight new sections enacted in lieu thereof, to be known as sections 33.080, 325.052, 325.055, 375.991, 379.162, 379.163, 379.3000, 379.3005, 379.3010, 379.3015, 379.3020, 379.3025, 379.3030, 379.3035, 379.3040, 379.3042, 379.3045, 379.3050, 379.3055, 379.3100, 379.3105, 379.3110, 379.3115, 379.3120, 379.3125, 379.3130, 379.3135, and 379.3140, to read as follows:
Sections 33.080, 325.055, and 375.991, RSMo, are repealed and thirty-one new sections enacted in lieu thereof, to be known as sections 33.080, 325.052, 325.055, 375.991, 379.135, 379.162, 379.163, 379.3000, 379.3005, 379.3010, 379.3015, 379.3020, 379.3025, 379.3030, 379.3035, 379.3040, 379.3042, 379.3045, 379.3050, 379.3055, 379.3100, 379.3105, 379.3110, 379.3115, 379.3120, 379.3125, 379.3130, 379.3135, 379.3140, 380.661, and 380.671, to read as follows:
Any official or any EXPLANATION — Matter enclosed in bold-faced brackets [thus] in the above bill is not enacted and is intended to be omitted from the law.
Any official or any person who shall willfully fail to comply with any of the provisions of this section, and any EXPLANATION — Matter enclosed in bold-faced brackets [thus] in the above bill is not enacted and is intended to be omitted from the law.
HB 3328 2 person who shall willfully fail to comply with any of the provisions of this section, and any person who shall willfully violate any provision hereof, shall be deemed guilty of a misdemeanor;
HCS HB 3328 2 person who shall willfully violate any provision hereof, shall be deemed guilty of a misdemeanor;
Except as otherwise specified in this section, a public adjuster may receive a commission for services provided under this chapter consisting of an hourly fee, a flat rate, a percentage of the total amount paid by an insurer to resolve a claim, or another method of compensation.
Except as otherwise specified in this section, a public adjuster may receive a commission for services provided under this chapter consisting of an hourly fee, a flat fee, or a reasonable percentage of the amount paid by an insurer to resolve a claim.
The total commission received by a public adjuster shall not, in any circumstance, exceed ten percent of the amount of the total of the insurance settlement on the claim.
HB 3328 3 6.
6.
Notwithstanding any authorization, contract, or agreement the insured may have given to a public adjuster, a public adjuster shall not represent himself or herself in any communication as the insured.
Notwithstanding any authorization, contract, or agreement the insured may have given to a public adjuster, a public adjuster shall not represent himself or herself in HCS HB 3328 3 any communication as the insured.
(1) Acting as a public adjuster, advertise or solicit business by representing they will or can adjust, negotiate, or settle an insurance claim for which the contractor is providing or may provide contracting services, regardless of whether the contractor holds a license under this chapter or is authorized to act on behalf of the insured under a power of attorney or other agreement;
(1) Actingas a public adjuster, advertise or solicit business by representing they will or can adjust, negotiate, or settle an insurance claim for which the contractor is providing or may provide contracting services, regardless of whether the contractor holds a license under this chapter or is authorized to act on behalf of the insured under a power of attorney or other agreement;
or (2) Advertise, market, offer, contract, or otherwise represent to unjustifiably increase or inflate the value of an insurance claim or to waive, absorb, refund, rebate, pay, or not collect the deductible amount agreed to under or imposed by the terms of the insurance policy.
or (2) Advertise,market, offer, contract, or otherwise represent to unjustifiably increase or inflate the value of an insurance claim or to waive, absorb, refund, rebate, pay, or not collect the deductible amount agreed to under or imposed by the terms of the insurance policy.
HB 3328 4 (1) "Contractor", a person or entity in the business of contracting or offering to contract with the owner of residential, agricultural, or commercial real estate to repair or replace roof systems or to erect, demolish, alter, or repair improvements or to perform any other repair, replacement, construction, or reconstruction work on any residential, agricultural, or commercial structure situated upon residential, agricultural, or commercial real estate as a general contractor or a subcontractor;
(1) "Contractor", a person or entity in the business of contracting or offering to contract with the owner of residential, agricultural, or commercial real estate to repair or replace roof systems or to erect, demolish, alter, or repair improvements or to HCS HB 3328 4 perform any other repair, replacement, construction, or reconstruction work on any residential, agricultural, or commercial structure situated upon residential, agricultural, or commercial real estate as a general contractor or a subcontractor;
HB 3328 5 3.
3.
(1) "Unbundling", an insurance claim by claiming a number of medical procedures were performed instead of a single comprehensive procedure;
HCS HB 3328 5 (1) "Unbundling", an insurance claim by claiming a number of medical procedures were performed instead of a single comprehensive procedure;
The department may designate representatives, including officials of the state in which the matter HB 3328 6 is located, to inspect the matter on its behalf, and it may respond to similar requests from officials of other states.
The department may designate representatives, including officials of the state in which the matter is located, to inspect the matter on its behalf, and it may respond to similar requests from officials of other states.
7.
HCS HB 3328 6 7.
379.162.
379.135.
Upon payment by an insurer of all or any part of a claimant's property damage claim, legal title to the portion of the claim paid shall vest in the insurer to the extent of such payment.
No assignment or other action by the claimant shall be required for the insurer to enforce its legal title.
The claimant shall retain legal title only to that portion of the property damage claim not paid by the insurer.
2.
As used in this section, "assignment agreement" means any instrument by which post-loss benefits under any policy of insurance covering property including, but not limited to, any right of action against the insurer or any proceeds acquired from the insurer are assigned, transferred, or acquired in any other manner, in whole or in part, to or from a person providing services including, but not limited to, communicating with an insurer or on an insured's behalf or inspecting, estimating, protecting, repairing, restoring, or replacing the property or mitigating against further damage to the property.
3.
(1) A person shall not solicit or accept an assignment, in whole or in part, of any post-loss insurance benefit for a property damage under a contract of insurance.
An assignment agreement is against public policy, is null and void, and any contract entered into in violation of this section shall be void and unenforceable;
and (2) The provisions of this subsection shall not apply to:
(a) An assignment, transfer, pledge, or conveyance granted to a financial institution, mortgagee, lienholder, or a subsequent purchaser of the property;
and (b) Any covenant not to execute or contract to limit recovery under section 537.065.
4.
Aviolation of subsection 3 of this section shall not apply to any covenant not to execute or contract to limit recovery under section 537.065.
5.
Nothing in this section shall be construed to prohibit an insured from authorizing or directing payment to, or paying a person for services, materials, or any other thing which may be, or is, covered under an insurance policy.
Insurers shall issue payment directly to a person for services, materials, and other items that are covered under an insurance policy, when the insured agrees that any person providing such services should be paid directly, subject to applicable liens.
HCS HB 3328 7 379.162.
1.
HB 3328 7 3.
3.
For purposes of this section, a roof's age shall be calculated using the last date on which one hundred percent of the roof's surface area was built or replaced or the initial date of a partial roof replacement when subsequent partial roof builds or replacements were completed that resulted in one hundred percent of the roof's surface area being built or replaced.
For purposes of this section, a roof's age shall be calculated using the last date on which one hundred percent of the roof's surface area was built or replaced or the HCS HB 3328 8 initial date of a partial roof replacement when subsequent partial roof builds or replacements were completed that resulted in one hundred percent of the roof's surface area being built or replaced.
(2) "Residential property insurance policy", a homeowner's insurance, dwelling- owner's insurance, residential fire insurance, condo owner's insurance, or HB 3328 8 manufactured home or mobile homeowner's insurance written upon property within this state;
(2) "Residential property insurance policy", a homeowner's insurance, dwelling- owner's insurance, residential fire insurance, condo owner's insurance, or manufactured home or mobile homeowner's insurance written upon property within this state;
3.
HCS HB 3328 9 3.
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HB 3328 9 4.
4.
Unless the parties agree to mediate a disputed claim involving a lesser amount, a "disputed claim" involves the insured requesting one thousand five hundred dollars or more to settle the dispute, or the difference between the positions of the parties is one thousand five hundred dollars or more.
Unless the parties agree to mediate a disputed claim involving a lesser amount, HCS HB 3328 10 a "disputed claim" involves the insured requesting one thousand five hundred dollars or more to settle the dispute, or the difference between the positions of the parties is one thousand five hundred dollars or more.
HB 3328 10 (9) "Residential property insurance policy or policies", a homeowner's insurance, dwelling-owner's insurance, residential fire insurance, condo owner's insurance, manufactured home or mobile homeowner's insurance, tenant's or renter's insurance, or any other contract of insurance covering owner-occupied single-family habitational property.
(9) "Residential property insurance policy or policies", a homeowner's insurance, dwelling-owner's insurance, residential fire insurance, condo owner's insurance, manufactured home or mobile homeowner's insurance, tenant's or renter's insurance, or any other contract of insurance covering owner-occupied single-family habitational property.
(1) If the insurer has not been notified of a disputed claim before the time an insurer notifies the insured that a claim has been denied in whole or in part, the insurer shall mail a notice of the right to mediate to the insured in the same mailing as the notice of denial;
HCS HB 3328 11 (1) If the insurer has not been notified of a disputed claim before the time an insurer notifies the insured that a claim has been denied in whole or in part, the insurer shall mail a notice of the right to mediate to the insured in the same mailing as the notice of denial;
IF YOU HB 3328 11 HAVE A PUBLIC ADJUSTER OR AN ATTORNEY, YOU WILL HAVE TO PAY THOSE COSTS.".
IF YOU HAVE A PUBLIC ADJUSTER OR AN ATTORNEY, YOU WILL HAVE TO PAY THOSE COSTS.".
If an insured requests mediation before receipt of the notice of the right to mediate or if the date of the notice cannot be established, the insurer shall be notified by the administrator of the existence of the dispute before the administrator processes the insured's request for mediation.
If an insured requests mediation before receipt of the notice of the right to mediate or if the date of the notice cannot be established, the insurer shall be notified by the administrator of the existence of the dispute before the administrator HCS HB 3328 12 processes the insured's request for mediation.
The failure to request mediation within this time period shall only bar the right to demand mediation and to seek extracontractual damages under sections 537.058 and 537.065.
The failure to request mediation within this time period shall only bar the right to demand mediation.
A qualified administrator may also be selected by the director without a formal bid process if a state of emergency HB 3328 12 has been declared pursuant to section 44.100.
A qualified administrator may also be selected by the director without a formal bid process if a state of emergency has been declared pursuant to section 44.100.
The director shall establish fee schedules for monies to be paid directly to the administrator by the insurer for the services of the administrator, the mediator, and for timely and untimely mediation cancellations.
The director shall establish fee schedules for moneys to be paid directly to the administrator by the insurer for the services of the administrator, the mediator, and for timely and untimely mediation cancellations.
379.3030.
HCS HB 3328 13 379.3030.
If the grounds for disqualification are known before the mediation HB 3328 13 conference, the request to disqualify a mediator shall be directed to the administrator.
If the grounds for disqualification are known before the mediation conference, the request to disqualify a mediator shall be directed to the administrator.
4.
HCS HB 3328 14 4.
HB 3328 14 379.3050.
379.3050.
No admission, representation, statement, or other confidential communication made in setting up or conducting the mediation conference not otherwise discoverable or obtainable shall be admissible as evidence nor shall it be subject to discovery.
No admission, representation, statement, or other confidential communication made in setting up or conducting the HCS HB 3328 15 mediation conference not otherwise discoverable or obtainable shall be admissible as evidence nor shall it be subject to discovery.
HB 3328 15 3.
3.
For purposes of sections 379.3100 to 379.3040, except where otherwise provided, the following terms mean:
For purposes of sections 379.3100 to 379.3140, except where otherwise provided, the following terms mean:
(3) "Homeowner's policy", a homeowner's insurance policy, a dwelling owner's insurance policy, or a residential fire insurance policy covering real property within this state.
(3) "Eligible property", a residential, single-family, owner-occupied real property within this state;
HCS HB 3328 16 (4) "Homeowner's policy", a homeowner's insurance policy, a dwelling owner's insurance policy, or a residential fire insurance policy covering real property within this state.
(4) "Insurable property", a residential, single-family, owner-occupied real property within this state.
(5) "Insured", the named insured under a residential property insurance policy;
"Insurable property" shall exclude mobile homes;
(6) "Insurer", all insurance companies, reciprocals, and interinsurance exchanges licensed under chapters 379 and 380, and the property insurance inspection and placement program (the "FAIR" Plan), issuing and renewing residential property insurance policies;
(5) "Insurance Institute for Business and Home Safety" or "IBHS", a nonprofit organization that conducts objective, scientific research to identify and promote the most effective ways to strengthen homes, businesses, and communities against natural disasters;
(7) "Program", the Missouri stronger homes program created under section 379.3110;
(6) "Insured", the named insured under a residential property insurance policy;
(8) "Residential property owner", any individual person who holds legal title to real property that has been improved by a dwelling structure intended for residential, single-family occupancy;
(7) "Insurer", all insurance companies, reciprocals, and interinsurance exchanges licensed under chapters 379 and 380, and the property insurance inspection and placement program (the "FAIR" Plan), issuing and renewing residential property insurance policies;
(9) "Risk reduction standards", guidelines and technical specifications designed to minimize the likelihood or impact of wind and hail weather events.
(8) "Program", the Missouri stronger homes program created under section 379.3110;
"Risk reduction standards" include, but are not limited to, the use of designated construction materials and products which demonstrate enhanced resistance to wind or hail, in addition to the utilization of certain design, engineering, inspection, installation methods, and other maintenance protocols necessary to ensure the proper performance of materials and products.
(9) "Residential property owner", any individual person who holds legal title to real property that has been improved by a dwelling structure intended for residential, single-family occupancy.
HB 3328 16 3.
3.
Grant moneys shall be provided under sections 379.3100 to 379.3140 to assist Missouri residents in retrofitting and constructing insurable properties to resist loss due to tornado, other catastrophic windstorm events, or hail.
Grant moneys shall be provided under sections 379.3100 to 379.3140 to assist Missouri residents in retrofitting and constructing eligible properties to resist loss due to tornado, other catastrophic windstorm events, or hail.
The program shall apply for financial grants to construct or retrofit insurable property to resist damage due to a tornado, other catastrophic windstorm events, or hail as prescribed in section 379.3135.
The program shall apply for financial grants to construct or retrofit eligible property to resist damage due to a tornado, other catastrophic windstorm events, or hail as prescribed in section 379.3135.
6.
HCS HB 3328 17 6.
The program may also make grants or funding available to nonprofit entities for projects to construct or retrofit insurable properties to resist loss due to tornado, other catastrophic windstorm events, or hail if such grants or funding to nonprofit entities are allowable under Missouri law.
The program may also make grants or funding available to nonprofit entities for projects to construct or retrofit eligible properties to resist loss due to tornado, other catastrophic windstorm events, or hail if such grants or funding to nonprofit entities are allowable under Missouri law.
All mitigation efforts shall be based upon the securing of all required local permits and applicable inspections in keeping with local building codes and the IBHS Fortified Homes Program.
All mitigation efforts shall be based upon the securing of all required local permits and applicable inspections in keeping with local building codes and the risk reduction standards of this program.
HB 3328 17 3.
3.
5.
HCS HB 3328 18 5.
(1) The insurable property shall be located within this state and shall be the primary residence of the applicant, or, if new construction, the construction shall be located within this state and the applicant shall provide other documentation to demonstrate qualification for the grant, as specified by rules promulgated by the director;
(1) The eligible property shall be located within this state and shall be the primary residence of the applicant, or, if new construction, the construction shall be located within this state and the applicant shall provide other documentation to demonstrate qualification for the grant, as specified by rules promulgated by the director;
(2) The insurable property to be mitigated shall be an owner-occupied, single- family, primary residence and cannot be a condominium, multifamily dwelling, or a mobile home;
(2) The eligible property to be mitigated shall be an owner-occupied, single- family, primary residence and cannot be a condominium, multifamily dwelling, or a mobile home;
(3) The insurable property shall be in a livable condition, safe for habitation or use, and otherwise eligible for a certificate of residential occupancy, unless damaged by a tornado, other catastrophic windstorm event, or hail;
(3) The eligible property shall be in a livable condition, safe for habitation or use, and otherwise eligible for a certificate of residential occupancy, unless damaged by a tornado, other catastrophic windstorm event, or hail;
HB 3328 18 (4) The grant funds cannot be used for general maintenance or repairs, but may be used in conjunction with repairs or reconstruction necessitated by damages from a tornado or other catastrophic windstorm event or hail;
(4) The grant funds cannot be used for general maintenance or repairs to the eligible property, but may be used in conjunction with repairs or reconstruction necessitated by damages from a tornado or other catastrophic windstorm event or hail;
(5) A certified IBHS evaluator shall prequalify the insurable property as mitigable and identify all improvements required to achieve IBHS FORTIFIED Roof, FORTIFIED Silver, FORTIFIED Gold, or successor designation, or similar standard approved by the director.
(5) A certified evaluator shall prequalify the eligible property as mitigable and identify all improvements required to achieve the risk reduction standards approved by the director.
The residential property owner shall select the evaluator from a list provided by the program and shall pay the evaluator's fee;
The residential property owner shall select the evaluator from a list provided by the director and shall pay the evaluator's fee;
(6) The residential property owner shall obtain bids from at least three IBHS- certified contractors approved by the program;
(6) The residential property owner shall obtain bids from at least three certified contractors approved by the director;
(7) The residential property owner shall construct or retrofit the home to the IBHS FORTIFIED Roof, FORTIFIED Silver, FORTIFIED Gold, or successor designation, or similar standard approved by the director, which shall include the hail supplement;
(7) The residential property owner shall construct or retrofit the home to the standard approved by the director;
(8) The residential property owner shall provide proof of an active, in-force homeowner's policy insuring against wind and hail damage to the home, unless good cause is demonstrated by the applicant;
HCS HB 3328 19 (8) The residential property owner shall provide proof of an active, in-force homeowner's policy insuring against wind and hail damage to the home, unless good cause is demonstrated by the applicant;
and (9) If the insurable property is in a special flood hazard area, the residential property owner shall provide proof of an in-force flood insurance policy.
and (9) If the eligible property is in a special flood hazard area, the residential property owner shall provide proof of an in-force flood insurance policy.
Grants to residential property owners shall be used to construct or retrofit an insurable property to resist loss due to a tornado or other catastrophic windstorm event or hail as prescribed in the FORTIFIED Home High Wind and Hail Standards, as may from time to time be adopted by the IBHS.
Grants to residential property owners shall be used to construct or retrofit an eligible property to resist loss due to a tornado or other catastrophic windstorm event or hail as prescribed in the risk reduction standards adopted by the director.
HB 3328 19 6.
6.
Grant funds shall only be paid after a certificate has been issued for the fortified standard approved by the director.
Grant funds shall only be paid after a certificate has been issued for the eligible property meeting the risk reduction standard approved by the director.
Applications shall be accepted on a first-come, first-served basis within each income tier established by the director, with priority given to lower-income applicants, applicants who live in locations that, based on historical data, have a higher susceptibility to catastrophic weather events, and applicants meeting any other criteria the director determines is appropriate to meet the purpose of the program.
Applications shall be accepted on a first-come, first-served basis within each income tier established by the director, with priority given to lower-income applicants, applicants who live in locations that, based on historical data, have a higher susceptibility to catastrophic weather events, and applicants meeting any other criteria the director determines are appropriate to meet the purpose of the program.
379.3125.
HCS HB 3328 20 379.3125.
Under the program, a residential property owner shall hire an IBHS-certified contractor who is capable of performing work that satisfies the standards prescribed by this act and the rules adopted thereto.
A residential property owner shall hire a certified contractor who is capable of performing work that satisfies the standards prescribed by this act and the rules adopted thereto.
To be eligible to work on a project funded by the program as a contractor, a contractor shall meet all program requirements including, but not limited to, maintaining a current copy of all applicable certificates, licenses, and proof of insurance coverages with the department.
To be eligible to work on a project funded by the stronger homes program as a contractor, a contractor shall meet all requirements including, but not limited to, maintaining a current copy of all applicable certificates, licenses, and proof of insurance coverages with the department.
(6) Hold an active IBHS FORTIFIED Roof Contractor Certification or FORTIFIED Professional Certification, and be responsible for paying all fees associated with certification and training;
(6) Successfully register as a vendor or supplier with the office of administration;
HB 3328 20 (7) Successfully register as a vendor or supplier with the office of administration;
(7) Maintain accurate contact information with the Missouri stronger homes program;
(8) Maintain accurate contact information with the Missouri stronger homes program;
(8) Agree to follow all procedures and rules as prescribed by the director;
(9) Agree to follow all procedures and rules as prescribed by the director;
(9) Not have a financial interest in any project funded by the Missouri stronger homes program for which the contractor performs work other than receiving payment on behalf of the residential property owner from the program and shall report to the program any potential conflicts of interest before work commences;
(10) Not have a financial interest in any project funded by the Missouri stronger homes program for which the contractor performs work other than receiving payment on behalf of the residential property owner from the program and shall report to the program any potential conflicts of interest before work commences;
(10) Not be an evaluator for any project funded by the program;
and (11) Not be an evaluator for any project funded by the program.
and (11) Any other requirements as specified by the director by rule.
To be eligible to work on a project funded by the program as an evaluator, the evaluator shall meet all program requirements including, but not limited to, the following:
To be eligible to work on a project funded by the stronger homes program as an evaluator, the evaluator shall meet all requirements including, but not limited to, the following:
(2) Being in good standing with IBHS and maintaining an active IBHS certification as a FORTIFIED Home Evaluator.
HCS HB 3328 21 (2) Agreeing to follow the program's procedures and rules as prescribed by the director;
The evaluator shall be responsible for paying all fees associated with certification and training;
(3) Maintaining accurate contact information with the program;
(3) Agreeing to follow the program's procedures and rules as prescribed by the director;
(4) Not having any financial interest in any project that the evaluator inspects for designation purposes for the stronger homes program;
(4) Maintaining accurate contact information with the program;
(5) Not being a contractor or supplier of any materials or products or systems installed in any home the evaluator inspects for designation purposes for the stronger homes program;
(5) Not having any financial interest in any project that the evaluator inspects for designation purposes related to the program;
(6) Not being a sales agent or realtor for any home being designated for the stronger homes program;
(6) Not being a contractor or supplier of any materials or products or systems installed in any home the evaluator inspects for designation purposes for the program;
(7) Informing the program of any potential conflicts of interest;
(7) Not being a sales agent or realtor for any home being designated for the program;
and (8) Any other requirements as specified by the director by rule.
and (8) Informing the program of any potential conflicts of interest.
A premium discount or rate reduction shall be available under the terms specified in this section to any insured who retrofits the insurable property located in this state to resist loss due to tornado, other catastrophic windstorm events, or hail.
A premium discount or rate reduction shall be available under the terms specified in this section to any insured who retrofits the eligible property located in this state to resist loss due to tornado, other catastrophic windstorm events, or hail.
Insurers shall be required to offer a premium discount or rate reduction only when the insurer has deemed the adjustments to be actuarially justified and there is HB 3328 21 sufficient and credible evidence of cost savings, which can be attributed to the construction standards set forth in this section.
Insurers shall be required to offer a premium discount or rate reduction only when the insurer has deemed the adjustments to be actuarially justified and there is sufficient and credible evidence of cost savings, which can be attributed to the construction standards set forth in this section.
To obtain the premium discount, rate reduction, or other adjustment provided in this section, an eligible property shall be retrofitted to the risk reduction standards adopted by the director.
An eligible property shall be certified as conforming to the risk reduction standards only after evaluation and certification by an evaluator as specified in section 379.3130.
To obtain the premium discount, rate reduction, or other adjustment provided in this section, an insurable property shall be retrofitted to the FORTIFIED Home High Wind and Hail Standards, as may from time to time be adopted by the IBHS.
An insured claiming a premium discount, rate reduction, or other adjustment under this section shall maintain sufficient certification records and construction records for the eligible property, including, but not limited to, a certification of compliance with the risk reduction standards adopted by the director, receipts from contractors, and receipts for materials.
An insurable property shall be certified as conforming to FORTIFIED Home High Wind and Hail Standards only after evaluation and certification by an evaluator certified pursuant to the FORTIFIED Home High Wind and Hail Standards.
Copies of the certification and construction records shall be presented to the insurer or potential insurer of an eligible property before the premium discount, rate reduction, or other adjustment becomes effective for the eligible property.
6.
HCS HB 3328 22 6.
An insured claiming a premium discount, rate reduction, or other adjustment under this section shall maintain sufficient certification records and construction records for the insurable property, including, but not limited to, a certification of compliance with the FORTIFIED Home High Wind and Hail Standards as provided in this section, receipts from contractors, and receipts for materials.
Copies of the certification and construction records shall be presented to the insurer or potential insurer of an insurable property before the premium discount, rate reduction, or other adjustment becomes effective for the insurable property.
7.
A premium discount, rate reduction, or other adjustment shall apply only to the premium representative of wind or hail damage to insurable property.
A premium discount, rate reduction, or other adjustment shall apply only to the premium representative of wind or hail damage to eligible property.
8.
7.
8.
If an insurer already offers an actuarially justified discount for meeting risk reduction standards, that discount shall be deemed as having met the requirements of this act as it pertains to wind-related discounts or rate reductions and no additional wind-related discount or rate reduction shall be required.
If an insurer already offers an actuarially justified discount for meeting IBHS FORTIFIED Home Standards, that discount shall be deemed as having met the requirements of this act as it pertains to wind-related discounts or rate reductions and no additional wind-related discount or rate reduction shall be required.
10.
At the time of a policy renewal for which a premium discount, rate reduction, or other adjustment has previously been made, the insurer HB 3328 22 may request documentation or recertification that the FORTIFIED Home Standards as described in this section continue to be met.
At the time of a policy renewal for which a premium discount, rate reduction, or other adjustment has previously been made, the insurer may request documentation or recertification that the risk reduction standards as described in this section continue to be met.
11.
10.
In addition to the requirements of this section, an insurer may voluntarily offer any other mitigation adjustment that the insurer deems appropriate.
In addition to the requirements of this section, an insurer may voluntarily offer any other mitigation adjustments that the insurer deems appropriate.
The director may promulgate all necessary rules and regulations for the administration of sections 379.3100 to 379.3140, including any instructions or requirements on grants and funds received by the department.
The director may promulgate all necessary rules and regulations for the administration of sections 379.3100 to 379.3140, including, but not limited to, establishing the risk reduction standards, specifying instructions or requirements on grants and funds received by the department and establishing other requirements relating to eligibility and certifications.
HCS HB 3328 23 380.661.
Any company operating under the provisions of sections 380.011 to 380.151 and sections 380.201 to 380.611 shall comply with the provisions of sections 379.3000 to 379.3055.
380.671.
1.
Any company operating under the provisions of sections 380.011 to 380.151 and sections 380.201 to 380.611 may develop programs eligible for financial grants under the provisions of sections 379.3100 to 379.3140.
2.
Any company operating under the provisions of sections 380.011 to 380.151 and sections 380.201 to 380.611 shall not be required to submit rating plans under section 379.321, or otherwise submit actuarial justifications substantiating any discount or rate associated with the program described in sections 379.3100 to 379.3140.
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Action History

  1. HCS Reported Do Pass (H) - AYES: 9 NOES: 0 PRESENT: 0

  2. HCS Voted Do Pass (H)

  3. Executive Session Completed (H)

  4. Public Hearing Completed (H)

  5. Referred: Insurance(H)

  6. Read Second Time (H)

  7. Introduced and Read First Time (H)

Sponsors

Sponsorship breakdown

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1 sponsors · 0 co-sponsors · 198 not signed on

Sponsors (1)

Co-sponsors (0)

None.

Not signed on (198)

198 members have not signed on to this bill.

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"Not signed on" means a member has not sponsored or co-sponsored this bill — it does not imply opposition. Members flagged Voted No have a recorded No vote on this bill.

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public-safety
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Frequently asked questions

Who sponsors HB 3328?
HB 3328 is sponsored by David Casteel (Republican).
What is the current status of HB 3328?
This bill is in committee in the House. Introduced February 17, 2026. It must pass committee before a floor vote.
Where can I track HB 3328?
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