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

SB 2690 requires property and casualty insurers in Mississippi to mandate that property owners clean up blighted (neglected or derelict) real property before paying more than 25% of insurance claims for damages. This directly affects property owners with blighted properties who seek insurance reimbursement. The bill’s key provision sets a 25% payment cap until cleanup is completed, with the Insurance Commissioner responsible for enforcement and rulemaking. The law takes effect July 1, 2026, aiming to ensure property conditions improve before full insurance payments are made.