Certain exclusions in homeowner's insurance policies prohibited when damage is done by a peace officer

Summary

The bill requires homeowners' insurance policies to cover property damage when a peace officer uses chemical irritants, smoke screens, or diversionary devices, provided the homeowner is entitled to just compensation. Insurers must allow the homeowner to select mitigation contractors and industrial hygienists, and they can recover costs from the responsible local government. The law takes effect on January 1, 2027 for policies issued or renewed after that date.

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