Missouri Code of State Regulations
Title 20 - DEPARTMENT OF COMMERCE AND INSURANCE
Division 500 - Property and Casualty
Chapter 1 - Property and Casualty Insurance in General
Section 20 CSR 500-1.100 - Standard Fire Policies

1. That portion of the 1943 Standard Fire Insurance Policy for New York which gives "the insured five (5) days' written notice of cancellation" on line 62 of the policy form shall be given no effect where contained within a policy designated as the "Standard Fire Insurance Policy for Missouri" insuring property located in this state, except as stated in paragraph (2)(A)2. of this regulation.

2. The language in the 1943 Standard Fire Insurance Policy for New York contained in lines 60-67 shall be superseded with the following language printed anywhere on this policy or amendatory endorsement: "This policy may be canceled, not renewed, reduced in amount or adversely modified at any time by the company by giving to the insured thirty (30) days' written notice of such action with or without tender of the excess of paid premium above the pro rata premium for the expired time, which excess, if not tendered, shall be refunded on demand. Only ten (10) days notice is required where such action is based upon non-payment of premium or evidence of incendiarism by the insured."

3. The language in lines 141-147 of the 1943 Standard Fire Insurance Policy for New York relating to "company's options" shall be superseded by the language quoted in section 379.150, RSMo, or by other language that provides coverage for a partial loss caused by fire in a policy form determined and approved by the director to be at least as favorable to the insured as the standard fire insurance policy for Missouri.

4. The language in lines 123-140 of the 1943 Standard Fire Insurance Policy of New York relating to "appraisal" shall be superseded by the following or equivalent language: "In case the insured and this company shall fail to agree as to the actual cash value or the amount of loss, then, on the written demand of either, each shall select a competent and disinterested appraiser and notify the other of the appraiser selected within twenty (20) days of such demand. The appraisers shall first select a competent and disinterested umpire; and failing for fifteen (15) days to agree upon such umpire, then, on request of the insured or this company, such umpire shall be selected by a judge of a court of record in the state and county (or city if the city is not within a county) in which the property covered is located. The appraisers shall then appraise the loss, stating separately actual cash value and loss to each item; and, failing to agree, shall submit their differences, only, to the umpire. The umpire shall make the award within thirty (30) days after the umpire receives the appraisers' submissions of their differences. An award in writing, so itemized, of any two (2) when filed with this company shall determine the amount of actual cash value and loss. Each appraiser shall be paid by the party selecting such appraiser and the expenses of appraisal and umpire shall be paid by the parties equally."

1. That the insured may contact his/her insurance producer or any insurance producer for coverage;

2. The producer's name, if any, address, and telephone number;

3. The name, address, telephone number, and website address of the Missouri Property Insurance Placement Facility;

4. The reason for cancellation, nonrenewal, reduction in amount, or adverse modification; and;

5. That any excess premium not tendered must be refunded within thirty (30) days of this notice. Exhibit A (included herein) contains a model notice which may be varied if the required information is equally prominent in any substitute form of notice.

6. That any excess premium not tendered must be refunded within thirty (30) days of this notice. Exhibit A (included herein) contains a model notice which may be varied if the required information is equally prominent in any substitute form of notice.

EXHIBIT A

COMPANY LETTERHEAD

Policy Number(s)___________________________________________________

Expiration Date___________________________________________________

Insured Premises Location___________________________________________________

(Insurer Name)

(Toll-Free Number, if available)

(Telephone Number)

This is our office notice that the coverages afforded by the above-numbered policies will be -

[] Cancelled

[] Not Renewed

[] Reduced in Amount

[] Adversely Modified as Follows:

EFFECTIVE: 12:01 A.M. ON THE _____ DAY OF _________________,

_______________________________________________________

SPECIFIC REASON FOR TAKING ACTION SHOWN ABOVE:

_______________________________________________________

_______________________________________________________

_______________________________________________________

If you wish to secure coverages from another insurance carrier, contact your insurance producer immediately.

(Producer's Name)

(Address)

(City, State, Zip)

(Telephone Number)

You may also contact any insurance producer. If you are unable to buy coverage through the standard insurance market, an insurance producer may also apply to the Missouri Property Insurance Placement Facility for insurance coverages. Application may be made by mail, online, or in person to the following address:

MISSOURI PROPERTY INSURANCE PLACEMENT FACILITY

11116 S. Towne Square, #303, St. Louis MO 63123

Phone: (314) 421-0170

Website: missourifairplan.com

Any excess premium must be refunded within thirty (30) days.

Yours truly,

cc: Insurance Producer

cc: Mortgagee