The Missouri Department of Commerce & Insurance published a bulletin announcing a moratorium on nonrenewals and cancellations of residential property policies that were damaged by storms this year.

The Department reasons that repairs after a disaster can be delayed for many reasons outside of an insured’s control, such as limited supplies or a lack of contractors. Insureds should be given reasonable time to make repairs before insurers take underwriting actions.

The directive applies to any residential property within the state that suffered a storm or weather loss after March 1, 2025. If an insurer has already cancelled or nonrenewed a property that is subject to the moratorium, they must take necessary actions to ensure the policy remains in force.