HB 3328 Missouri House · 2026 Regular Session

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

HB 3328 creates the Missouri Stronger Homes Program, funded by transferring $12 million annually from the insurance dedicated fund starting July 1, 2027, to help homeowners rebuild after disasters (as specified in Section 379.3115). It also establishes the Missouri Disaster Mediation Act, which regulates public adjusters by capping their commissions at 10% of insurance settlements, requiring clear disclaimers about free state assistance (via the Missouri Department of Commerce and Insurance), and banning conflicts of interest where adjusters also solicit repair work. The law directly affects homeowners filing insurance claims after disasters and public adjusters working with them. Key provisions include prohibiting adjusters from charging fees based on settlement percentages if insurers pay policy limits within 10 days, and mandating that all contracts include a specific warning about avoiding unnecessary adjuster fees.

Bill status in committee 1 of 4 stages cleared

Introduction

Feb 2026

Committee Review

Floor Vote

Governor

Introduced Feb 17, 2026 Last action Apr 30, 2026

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What changed between versions

Introduced → House Committee Substitute · 3 edits

MINOR

The bill was amended to increase the number of new sections enacted from twenty-eight to thirty-one, adding new statutory sections 379.135, 380.661, and 380.671. Additionally, the bill was modified to remove a specific $12 million funding transfer provision that was previously set to begin in 2013, and to update the maximum commission fee for public adjusters from a flat ten percent cap to a more flexible 'reasonable percentage' structure.

Scope change

The bill's scope expanded by adding three new statutory sections, and the applicability of the funding transfer provision was altered by removing the specific 2013 start date and amount.

FISCAL

The specific provision transferring $12 million to the 'Missouri's stronger homes fund' starting July 1, 2013, was removed from the text.

SCOPE

Three new sections (379.135, 380.661, and 380.671) were added to the list of enacted statutes, increasing the total count from twenty-eight to thirty-one.

REQUIREMENT

The rule limiting public adjuster commissions was changed from a strict maximum of ten percent of the settlement to allowing a 'reasonable percentage' of the amount paid by the insurer.

Floor votes

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Full legislative history

Actions timeline

Total actions

Key actions

Committee

Apr 30, 2026

Lower · Passed

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

lower

Apr 22, 2026

Lower · Passed

HCS Voted Do Pass (H)

lower

Mar 30, 2026

Committee

Referred: Insurance(H)

lower

Feb 17, 2026

Introduced

Introduced and Read First Time (H)

lower

1 primary · 0 co-sponsors