Missouri prohibited post-loss assignment of property-insurance benefits to repair service providers

RSMo §379.135 took effect August 28, 2026. For property insurance, an insured may not assign policy duties, rights or benefits before or after a covered loss, and a service provider may not solicit or accept an assignment of post-loss insurance benefits. The statute expressly includes providers that inspect, estimate, repair, restore or replace property. It still allows an insurer to make direct payment to a service provider when directed by the insured, subject to the statute and applicable lien interests.