Missouri Insurance Department halts cancellations for storm-damaged homes
If your Missouri home was damaged in the spring 2025 storms and you’re still working through repairs, your insurer cannot cancel or non-renew your policy because of the storm damage or related claims. In a new directive, DCI ordered companies to keep coverage in force for storm-affected residential properties statewide for weather losses occurring after March 1, 2025. The department also told insurers to reverse any cancellations or non-renewals already sent out for this reason. Normal exceptions still apply, such as cancellations for non-payment and properties that weren’t damaged. The bulletin notes this is not a permanent moratorium, and encourages homeowners to complete repairs as quickly as possible. The full DCI bulletin appears below this article for your reference.
For help navigating a claim or policy question, you can contact DCI’s Consumer Hotline at 800-726-7390, email news@dci.mo.gov, or visit insurance.mo.gov. Also, if you want a practical, St. Louis-based perspective on coverage and claims, I recommend Lou Darden with Kreismann-Bayer Insurance Agency…he’s a trusted real estate broker, my personal friend, and my go-to insurance guy, with helpful interviews and contact info at the link above.
