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Rep. Jacqueline Zimmerman introduces bill to require insurers to replace whole-home siding when matching panels are unavailable
Summary
Rep. Jacqueline Zimmerman (R-98) told the House Committee on Insurance that House Bill 2,250 would codify Eastern District of Missouri case law and require insurers to cover replacement of all siding on a structure when partial storm damage cannot be matched; industry witnesses warned of possible premium increases and urged disclosure and consumer education.
Representative Jacqueline Zimmerman (98th District) opened the public hearing for House Bill 2,250, saying the bill would require insurers, beginning Jan. 1, 2027, to pay homeowners the replacement cost to replace all siding on a structure when partial damage and unavailable matching siding prevent a reasonably uniform appearance. Zimmerman said the measure “codifies current case law in Missouri” and responds to constituent complaints after a May 2024 hailstorm in parts of the St. Louis area.
Zimmerman told the committee many older houses use siding no longer manufactured, leaving homeowners with mismatched panels if…
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