diff --git a/lib/store_attribute/active_record/store.rb b/lib/store_attribute/active_record/store.rb
index da43435..2cf7842 100644
--- a/lib/store_attribute/active_record/store.rb
+++ b/lib/store_attribute/active_record/store.rb
@@ -127,12 +127,11 @@ def store_attribute(store_name, name, type = :value, prefix: nil, suffix: nil, *
 
         _define_store_attribute(store_name) if !_local_typed_stored_attributes? ||
           _local_typed_stored_attributes[store_name][:types].empty? ||
-          # Defaults owner has changed, we must decorate the attribute to correctly propagate the defaults
-          (
-            options.key?(:default) && _local_typed_stored_attributes[store_name][:owner] != self
-          )
+          # Owner has changed (e.g., subclass adding to inherited store),
+          # we must re-decorate the attribute to correctly set up type casting and defaults
+          _local_typed_stored_attributes[store_name][:owner] != self
 
-        _local_typed_stored_attributes[store_name][:owner] = self if options.key?(:default) || !_local_typed_stored_attributes?
+        _local_typed_stored_attributes[store_name][:owner] = self if !_local_typed_stored_attributes? || _local_typed_stored_attributes[store_name][:owner] != self
         _local_typed_stored_attributes[store_name][:types][name] = [type, options]
 
         # In case #decorate_attribute has already been invoked, add new type information right away
diff --git a/spec/cases/store_attribute_spec.rb b/spec/cases/store_attribute_spec.rb
index 7291d1e..ed61955 100644
--- a/spec/cases/store_attribute_spec.rb
+++ b/spec/cases/store_attribute_spec.rb
@@ -102,6 +102,32 @@
       expect(jamie).to be_active
       expect(jamie.salary).to eq 100
     end
+
+    it "typecasts inherited typed store attributes without defaults on reload" do
+      subclass = Class.new(User) do
+        store_attribute :jparams, :amount, :decimal, precision: 15, scale: 2
+      end
+
+      record = subclass.create!(jparams: {"amount" => "12345.67"})
+      record.reload
+
+      expect(record.amount).to eq BigDecimal("12345.67")
+      expect(record.jparams["amount"]).to eq BigDecimal("12345.67")
+    end
+
+    it "typecasts typed store attributes without defaults on reload" do
+      klass = Class.new(ActiveRecord::Base) do
+        self.table_name = "users"
+
+        store_attribute :jparams, :amount, :decimal, precision: 15, scale: 2
+      end
+
+      record = klass.create!(jparams: {"amount" => "12345.67"})
+      record.reload
+
+      expect(record.amount).to eq BigDecimal("12345.67")
+      expect(record.jparams["amount"]).to eq BigDecimal("12345.67")
+    end
   end
 
   context "custom types" do