MN HF4133

Prohibits homeowner's insurance policies from excluding coverage for property damage caused by peace officers' use of chemical irritants, smoke screens, or diversionary devices when the homeowner is owed just compensation under section 626.74

Requires insurers to allow homeowners to choose their own mitigation contractor and industrial hygienist to resolve damage from peace officer actions

Mitigation work must follow recognized industry standards and chemical manufacturer safety data sheet guidelines when applicable

Preserves local government's duty to pay just compensation and allows insurers to require homeowners to subrogate their compensation claims to the insurer

Effective January 1, 2027, applying to homeowner's insurance policies offered, issued, or renewed on or after that date