Property and casualty insurance; require blighted real property to be cleaned up before insurer pays insured certain damages.

HB 70, a proposed Mississippi bill, requires property and casualty insurers to mandate that property owners clean up neglected or deteriorated ("blighted") real property before paying more than 25% of insurance claims for damages. The law would directly affect homeowners and property owners with insurance claims on such properties, requiring cleanup as a condition for larger reimbursements. The key mechanism sets a 25% payment cap until cleanup is completed, with the Insurance Commissioner tasked to enforce this and create necessary rules. The bill was referred to the Insurance Committee in January 2025 but died there on February 4, 2025, and would have taken effect July 1, 2025, if passed.