MO SB610

Expands the definition of "contractor" to include those performing exterior repair, replacement, construction, or reconstruction work on both residential and commercial structures, not just residential properties.

Prohibits contractors from advertising or promising to pay insurance deductibles, offering discounts on fees, or providing any form of compensation or gift as an inducement to purchase their services.

Grants property owners the right to cancel contracts within five business days of receiving written notice from their insurer that a claim or service is not covered, with full refund of payments within ten business days except for emergency work already performed.

Requires contractors to provide property owners with written cancellation notices in boldface type (minimum ten points) and a detachable "Notice of Cancellation" form before entering into any insurance-funded contract.

Prohibits contractors from representing or negotiating insurance claims on behalf of property owners and classifies violations as unfair practices under Missouri's merchandising practices act.