HB1315 • 2026

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

AN ACT TO REQUIRE PROPERTY AND CASUALTY INSURERS TO REQUIRE BLIGHTED REAL PROPERTY TO BE CLEANED UP BEFORE PAYING NOT MORE THAN NINETY PERCENT OF THE DAMAGES OWED; TO AUTHORIZE THE COUNTY OR MUNICIPALITY TO PAY THE REST; TO REQUIRE THE COMMISSIONER OF INSURANCE TO ENFORCE THE PROVISIONS OF THIS ACT AND ADOPT ANY RULES OR REGULATIONS NECESSARY; AND FOR RELATED PURPOSES.

Did Not Pass

The latest official action shows that this bill did not move forward in that session.

Sponsor: Crudup
Last action: 2026-02-03
Official status: Dead
Effective date: July 1, 20

Plain English Breakdown

Checked against official source text during the last sync.

Cleaning Up Blighted Property Before Insurance Payment

This bill requires property and casualty insurers to ensure that blighted real estate is cleaned up before paying more than ninety percent of the damages owed, with local governments covering the remaining ten percent.

What This Bill Does

Requires insurance companies to make sure blighted properties are cleaned up before they pay for damage repairs.
Limits insurance payouts to no more than ninety percent (90%) of the total amount owed to the insured person or business.
Allows local governments, such as counties and municipalities, to cover the remaining ten percent (10%) of damages if needed.

Who It Names or Affects

Property and casualty insurance companies
People or businesses with blighted real estate properties

Terms To Know

Blighted Real Property: Properties that are in a state of disrepair, neglect, or deterioration.

Limits and Unknowns

The bill did not pass and was stopped in committee.
It is unclear how local governments will fund their ten percent contribution to the damages.

Bill History

2026-02-03 Mississippi Legislative Bill Status System
02/03 (H) Died In Committee
2026-01-19 Mississippi Legislative Bill Status System
01/19 (H) Referred To Insurance

Official Summary Text

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

Current Bill Text

Read the full stored bill text

H. B. No. 1315 *HR26/R244* ~ OFFICIAL ~ G1/2
26/HR26/R244
PAGE 1 (ENK\KW)
ST: Property and casualty insurance; require
blighted real property to be cleaned up before
insurer pay insured certain amount.
To: Insurance
MISSISSIPPI LEGISLATURE REGULAR SESSION 2026

By: Representative Crudup

HOUSE BILL NO. 1315

AN ACT TO REQUIRE PROPERTY AND CASUALTY INSURERS TO REQUIRE 1
BLIGHTED REAL PROPERTY TO BE CLEANED UP BEFORE PAYING NOT MORE 2
THAN NINETY PERCENT OF THE DAMAGES OWED; TO AUTHORIZE THE COUNTY 3
OR MUNICIPALITY TO PAY THE REST; TO REQUIRE THE COMMISSIONER OF 4
INSURANCE TO ENFORCE THE PROVISIONS OF THIS ACT AND ADOPT ANY 5
RULES OR REGULATIONS NECESSARY; AND FOR RELATED PURPOSES. 6
BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF MISSISSIPPI: 7
SECTION 1. Any property and casualty insurer providing 8
coverage for blighted real property in this state must require the 9
insured clean up the blighted real property before reimbursing the 10
insured for not more than ninety percent (90%) of the amount of 11
any damages owed to the insured by the insurer. The remaining ten 12
percent (10%) owed to the insured for any damages may be paid by 13
the county or municipality where the blighted property is located. 14
The Commissioner of Insurance shall enforce the provisions of this 15
section and shall adopt any rules or regulations necessary. 16
SECTION 2. This act shall take effect and be in force from 17
and after July 1, 2026. 18