Missouri Homeowners Could Get Mediation Option for Storm Insurance Disputes — But the Bill May Not Pass This Session

Homeowners in Missouri who face disputes with insurers after storm damage may soon have access to a formal mediation process — but only if a pending bill clears a tight legislative calendar. House Bill 3328, introduced by Rep. David Casteel, R-High Ridge, would establish the Missouri Disaster Mediation Act, allowing policyholders to request neutral mediation when disagreements arise over post-disaster claims. The goal is to resolve conflicts without forcing homeowners into costly litigation. A second component, the Missouri Stronger Homes Program, would offer incentives for structural upgrades like storm hardening — though specifics on funding, eligibility, and insurer cooperation remain undefined. As of April 13, 2026, the bill had only undergone a public hearing in the House Insurance Committee, with no vote scheduled. It must pass committee, clear both legislative chambers, and be signed by the governor before the session ends in mid-May to become law this year. Without those steps, the protections it offers will not take effect. Missouri has not faced the same insurance market instability as states like Florida or Louisiana, where carriers have pulled out entirely, but rising premiums and severe weather are increasing pressure on homeowners. For now, those with active disputes must rely on the Department of Commerce and Insurance to file complaints and seek informal resolution. If the bill fails to advance, that path remains the only option.