Filing Requirements
Review Requirements Reference Comments Location in Contract
(page and section #)
If Applicable
Filing Fees 374.230(6) RSMo $50/company/line of insurance/filing  
Filing Procedures 20 CSR 500-8.100 Describes the procedures for rates/rules/forms filings  
Transmittal Document   For paper filings, submit a completed TD-1 form  
Underwriting rules 20 CSR 500-9.100 Requires underwriting rules to be filed with the department  

Forms
Review Requirements Reference Comments Location in Contract
(page and section #)
If Applicable
Application 375.936 RSMo375.007 RSMo
Bulletin 94-04
Prohibits insurers asking applicants if they have ever been cancelled or nonrenewed by prior insurer  
Basic Property Insurance Inspection and Placement Disclosure 375.003 RSMo Cancellation notice to state that the insured may be eligible for insurance through this program  
Cancellation—Notice of 375.003 RSMo, 20 CSR 500-1.100(2) 10 days for nonpayment of premium, otherwise 30 day notice is required  
Cancellation—Grounds for 375.002 RSMo Outlines reasons allowed for cancellation: nonpayment, fraud, increased hazard, physical changes  
Cancellation—Proof of Notice 375.005 RSMo Cancellation "proof of mailing" notice shall be sufficient proof of notice  
Coinsurance 379.155 RSMo Coinsurance provisions void  
Discrimination-geographic location-prohibited 375.936(11)(c)RSMo
375.007 RSMo
20 CSR 500-3.200
Prohibits insurers from applying an underwriting rules based only on the geographic location of the risk  
Earthquake 379.978 RSMo Requires insurers who write earthquake to prepare and retain a written disaster plan covering earthquakes  
Forms filed 375.920 RSMo All policy forms are required to be filed; this includes endorsements, applications, declaration pages and policy jackets; policies are deemed approved with a 60-day review requirement  
Intentional Acts 375.1312 RSMo Domestic violence, innocent coinsured statute  
Mandatory endorsement(name, address, phone) 375.924(1) RSMo Requires policies to contain the name, address and telephone number of the insurer  
Minimum form requirements 379.160 RSMo
20 CSR 500-1.100
Requires that the policy forms must meet, at a minimum, the 1943 NY Standard Fire Insurance Policy  
Missouri Property & Casualty Guaranty Association 375.772 RSMo
Bulletin 92-08
Requires policies to contain the guaranty fund endorsement.  
Nonrenewal 375.004 RSMo 30 day advance notice, actual reason shall be specific and clear  
Nonrenewal—Proof of Notice 375.005 RSMo "Proof of mailing" nonrenewal notice shall be sufficient proof of notice  
Other Insurance 379.145 RSMo Insurers shall not be permitted to deny that the property insured was worth the aggregate amounts for which it was insured at the time the policy was issued or renewed  
Payment Plan and Installment Fees 379.356 RSMo Incidental fees to premium installments, late payments, policy reinstatement, or other similar services specifically provided for by law or regulation are allowed  
Unfair Discrimination 375.936(11)(c)(d)(e)(f) RSMo Cannot refuse to issue, refuse to renew, cancel or limit the amount of insurance due to geographic location, age of residential property, gender or marital status of the individual, or because another insurer has refused to issue a policy or has cancelled an existing policy  
Valued Policy Law 379.140 RSMo Fire claims: company cannot deny that the property was worth less than the full amount insured. Total loss: measure of damage shall be the amount that was insured, less depreciation from the time the policy was issued to the time of the loss  
Warranties 379.170 RSMo Construction of warranties of fact incorporated in policy  
Warranties 379.165 RSMo Construction of warranties of fact made in application  

Loss Settlement Provisions
Review Requirements Reference Comments Location in Contract
(page and section #)
If Applicable
Acknowledging claims/settlement provisions 20 CSR 100-1.0201.050 Misrepresentation of policy provisions, failure to acknowledge pertinent communications, standards for prompt investigation of claims, standards for prompt, fair and equitable settlement of claims  
Appraisal 20 CSR 500-1.100(4) Defines appraisal language  
Appraisal Case Law, Abercombie v. Allstate, 891 S.W.2d 838 Insurer cannot depreciate appraisal award  
Arbitration 20 CSR 500-1.600(1) Precludes insurers from issuing policies that contain compulsory arbitration provisions  
Arbitration 435.350 RSMo Mandatory binding arbitration prohibited in contracts of insurance.  
Fire Losses 379.180 RSMo Fire loss adjustments and examination of books are to be made at place of loss  
Loss Settlement 375.1000-1007 RSMo Improper or unfair claims settlement practices definitions  
Partial Loss 379.150 RSMo Fire losses: Insured's option to have partial destruction or damage paid outright or repaired up to the policy limits to put property back to original condition  
Pre-judgement Interest 408.040 RSMo Defines requirements on pre-judgement interest  
Prepaid Premium 375.421 RSMo Requires premium paid with the application be returned within 60 days of the application date if the policy is not issued or if the money collected is in excess of the premium  
Public Adjusters 20 CSR 100-1.100 No insurer shall make claim payment to public adjuster unless the name of the insured is added as a joint payee on the claim payment  
Statute of limitation 516.110 RSMo 10 year statute of limitation on contracts  

Rate
Review Requirements Reference Comments Location in Contract
(page and section #)
If Applicable
Deviation from rating organization 379.326 RSMo Deviations from rating organizations shall be filed with the director and are effective upon the date of filing  
Fees/installment fees 379.356 RSMo Incidental fees to premium installments, late payments, policy reinstatement, or other similar services specifically provided for by law or regulation are allowed  
Rates are to be filed 379.321 RSMo Rates are to be filed within 10 days of their effective date  
Rate making standards 379.318 RSMo Defines provisions governing rates  
Rebates 379.356 RSMo Prohibits rebating