MO HB1676

Repeals section 355.025 and enacts sections 355.025, 355.858, and 355.859 relating to homeowner and community improvement associations.

Requires all current and future homeowner and community improvement associations to be organized and operated as nonprofit corporations under Missouri law and to comply with insurance maintenance and dispute resolution requirements.

Mandates associations purchase and maintain liability insurance from state-licensed insurers including commercial general liability coverage for death, bodily injury, and property damage arising from use or maintenance of common areas, with homeowners named as insured parties and insurers waiving subrogation rights.

Allows declarants, associations, or homeowners to enforce rights granted or obligations imposed by association declarations or bylaws in court, with prevailing parties eligible to recover reasonable attorneys' fees and costs.

Permits parties to homeowner or community improvement association disputes to resolve disagreements through binding or nonbinding alternative dispute resolution methods.