Homeowner's insurance policies specified exclusions prohibited when damage is done by a peace officer.

Summary

The law bans insurance policies from excluding coverage when a homeowner’s property is damaged by a peace officer’s use of chemical irritants, smoke screens, or diversionary devices. It requires insurers to let homeowners choose mitigation contractors and, if needed, industrial hygienists, and it gives insurers the right to be reimbursed by the responsible local government. The measure applies to policies issued or renewed on or after Jan. 1, 2027.

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