Bill > HF4133

This bill, effective January 1, 2027, prohibits homeowner's insurance policies from excluding coverage for damage caused by a peace officer's use of chemical irritants, smoke screens, or diversionary devices, provided the homeowner is owed "just compensation" (meaning compensation for damages or losses as defined in a related statute) for such damage. A "peace officer" is defined by existing law as a law enforcement officer. The bill also allows homeowners to choose their own mitigation contractor and, if needed, an "industrial hygienist" (an individual certified in recognizing and controlling health hazards) to address damage from these devices, with the work adhering to industry standards. Importantly, this bill does not alter a local government's responsibility to pay just compensation, but it does permit insurers to require homeowners to transfer their right to seek that compensation to the insurance company.

Business and Industry

https://www.revisor.mn.gov/bills/94/2026/0/HF/4133/