{"id":124,"date":"2026-05-29T04:00:00","date_gmt":"2026-05-29T10:00:00","guid":{"rendered":"https:\/\/www.swartzins.com\/blog\/?p=124"},"modified":"2026-05-15T13:56:58","modified_gmt":"2026-05-15T19:56:58","slug":"house-bill-3328-and-what-it-means-to-you","status":"publish","type":"post","link":"https:\/\/www.swartzins.com\/blog\/house-bill-3328-and-what-it-means-to-you\/","title":{"rendered":"House Bill 3328 and What it Means to You"},"content":{"rendered":"

Missouri House Bill 3328 establishes the Missouri Stronger Homes Program and the Missouri Disaster Mediation Act. These initiatives are designed to help homeowners recover more efficiently after disasters and strengthen homes against future severe weather events. The legislation focuses on improving insurance claim resolution and providing financial assistance for home improvements that reduce disaster-related damage.<\/p>\n

How Disaster Claim Mediation Helps Homeowners<\/h2>\n

Under the Missouri Disaster Mediation Act, homeowners may request mediation if a dispute arises with their insurance company regarding a disaster-related claim. This process allows the homeowner and insurer to work with a neutral mediator to resolve disagreements without going to court. Mediation can help reduce costs, shorten resolution timelines, and create a more cooperative claims experience.<\/p>\n

Homeowners must request mediation within 60 days of receiving a claim denial. This option provides a more accessible, less stressful alternative to litigation while still protecting the homeowner’s rights throughout the claims process.<\/p>\n

Missouri Stronger Homes Program and Grant Funding<\/h2>\n

The Missouri Stronger Homes Program provides grant funding to help homeowners upgrade older properties so they are better equipped to withstand natural disasters. Eligible improvements may include foundation reinforcement, waterproofing, roof upgrades, and backup power systems such as generators. These improvements can reduce future damage and improve overall home resilience.<\/p>\n

Some projects may require inspections, particularly for older components such as roofs that exceed certain age thresholds. While homeowners may be responsible for inspection costs in some cases, the grant funding significantly reduces the financial burden of major upgrades. The program is funded through a transfer from the Insurance Dedicated Fund and fees paid by insurance companies.<\/p>\n

What This Means for Missouri Homeowners<\/h2>\n

House Bill 3328 was passed unanimously on April 30, 2026, reflecting strong support for homeowner protections and disaster preparedness efforts. Together, the mediation process and home improvement grants provide meaningful tools to help Missourians recover from disasters and prepare for future events.<\/p>\n

Swartz Premier Group Insurance proudly serves homeowners in Moberly, MO. If you have questions about home insurance or want help reviewing your coverage options, contact Swartz Premier Group Insurance today. Our team is happy to assist you.<\/p>\n","protected":false},"excerpt":{"rendered":"

Missouri House Bill 3328 establishes the Missouri Stronger Homes Program and the Missouri Disaster Mediation Act. These initiatives are designed to help homeowners recover more efficiently after disasters and strengthen homes against future severe weather events. The legislation focuses on improving insurance claim resolution and providing financial assistance for home improvements that reduce disaster-related damage. […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[29,21,18,14,13],"class_list":["post-124","post","type-post","status-publish","format-standard","hentry","category-home-insurance","tag-home","tag-insurance","tag-mo","tag-moberly","tag-swartz-premier-group-insurance"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t