MO SB1001

Prohibits insurers from raising premiums, refusing to write/renew, or canceling policies based on a policyholder's inquiry about coverage types, levels, or whether a policy would cover a potential loss

Bars insurers from penalizing policyholders for claims where no investigation was conducted, no payment was made, and no deceptive practices occurred

Protects policyholders from adverse action for first-party wind or hail claims if they had no previous wind/hail claim on that property within the prior five years

Prevents insurers from using first-party property claims older than ten years against policyholders

Allows insurers an exception to wind/hail and aged-claim protections only if they can prove the insured unreasonably failed to maintain the property and that failure contributed to the loss