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Missouri Supreme Court: a pre-2023 solar ban in your covenants is unenforceable

Missouri Supreme Court: a pre-2023 solar ban in your covenants is unenforceable
Missouri · Courts

Missouri Supreme Court: a pre-2023 solar ban in your covenants is unenforceable

What happened. On 23 January 2026 the Supreme Court of Missouri, sitting en banc, held unanimously that Missouri's rooftop-solar statute applies to deed restrictions recorded before the statute existed — and that a homeowners association cannot enforce a covenant banning solar panels no matter how old the covenant is.1

The case is Colleen Eikmeier and William S. Love v. Granite Springs Home Owners Association, Inc., No. SC101152. Judge Robin Ransom wrote; all concur. The court reversed the Greene County Circuit Court and, rather than remanding, entered judgment for the homeowners itself under Rule 84.14.

The statute the court was reading

Section 442.404.3, RSMo, arrived through S.B. 820 and took effect 1 January 2023. The opinion quotes it:

“(1) No deed restrictions, covenants, or similar binding agreements running with the land shall limit or prohibit, or have the effect of limiting or prohibiting, the installation of solar panels or solar collectors on the rooftop of any property or structure.

(2) A homeowners' association may adopt reasonable rules, subject to any applicable statutes or ordinances, regarding the placement of solar panels or solar collectors to the extent that those rules do not prevent the installation of the device, impair the functioning of the device, restrict the use of the device, or adversely affect the cost or efficiency of the device.

(3) The provisions of this subsection shall apply only with regard to rooftops that are owned, controlled, and maintained by the owner of the individual property or structure.”

The circuit court had read that as applying only to associations formed, and covenants recorded, after 1 January 2023. The Supreme Court disagreed in terms:

“This Court finds, based on the express language of the statute, the legislature intended broad applicability, extending to those covenants already in existence.”

Why this is not a retroactive law

The association's constitutional objection was the familiar one: applying a 2023 statute to a covenant recorded decades earlier impairs the obligation of contracts and is retrospective in operation, both barred by article I, section 13 of the Missouri Constitution. The court answered by reframing the timing:

“The statute applies prospectively in the sense that, after January 1, 2023, certain prohibitions will not be enforceable. The statute does not operate retroactively by way of limiting prohibitions before the statute's effective date.”

That distinction is doing the constitutional work. Nothing that happened before 2023 is disturbed; what changes is enforceability going forward.

The sentence associations will be quoting against each other for years

The court accepted that a restrictive covenant is a contract — it said so, citing Trustees of Clayton Terrace Subdivision v. Clayton Terrace, LLC — and accepted that the statute “results in some impairment of contract.” Then it explained why that does not settle the question:

“Under this perspective, a private contractual agreement could override any subsequent legislative determination that certain contractual provisions are contrary to public policy and should not be enforced. This cannot be so.”

The court added, quoting First National Insurance Co. of America v. Clark, that “[t]he Court will not recognize contractual provisions that are contrary to the public policy of Missouri as expressed by the legislature.”

The placement rule failed on the numbers

Granite Springs had not simply banned panels. It also offered a rule allowing them on non-street-facing rooflines, and argued that this was a “reasonable rule” within subsection (2). The homeowners put figures in the record, and the opinion recites them:

“The homeowners' original proposed layout produced 11,492 kWh annually, representing a 92-percent offset of their proposed utility usage. A similar system on the non-street-facing roof would reduce their production to 8,741 kWh, a 24-percent reduction. To achieve a comparable output as the original plan, the system size would have to be increased by 32-percent. From a cost perspective, the additional upfront system cost the homeowners would incur would be nearly $17,000 for the larger system.”

And then the line that decided it:

“The HOA did not counter or challenge this evidence.”

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What the holding actually covers, and what it does not

Read narrowly, the decision does two separate things, and they have different reach.

  1. The flat ban falls, everywhere, regardless of vintage. A covenant term prohibiting rooftop solar on an owner-controlled roof is unenforceable in Missouri from 1 January 2023 forward. The recording date of the declaration is now irrelevant to that question.
  2. The placement rule fell on this record. Subsection (2) still lets an association write placement rules. What the court held is that a rule shown on evidence to cut output 24 percent and add roughly $17,000 in cost is outside the allowance, on an unrebutted showing. That is an evidentiary holding, not an announcement that all placement rules are void.

The limit that matters most for condominiums is in the statute itself, not the opinion. Subsection (3) confines the whole thing to rooftops “owned, controlled, and maintained by the owner of the individual property or structure.” A typical condominium roof is a common element maintained by the association, so this decision does not speak to it. Single-family subdivisions, villa and townhome projects where the owner holds the roof, and detached-unit planned communities are where it lands hardest.

The reasoning is not about solar

This is the part worth circulating to a board. The argument the court rejected — our covenant predates the statute, so the statute cannot reach it — is not a solar argument. It is the argument Missouri associations have been making about every statutory override of a recorded restriction. After Eikmeier, the Supreme Court of Missouri has answered it at the level of principle: a private contract does not outrank a later legislative declaration of public policy, and making a class of covenant term unenforceable from a date forward is prospective, not retroactive.

Section 442.404 contains other overrides built the same way — political signs, for-sale signs, and the chickens provision. The structural argument that any of them cannot reach an old covenant just got substantially harder to run.

What a Missouri board is already on notice of

  1. Stop enforcing a flat rooftop-solar prohibition. If the declaration still carries one and the architectural committee is still denying applications on that basis, the denials rest on a term the state's highest court has said cannot be enforced. Minutes recording such a denial are a record of it.
  2. Re-read any placement rule against the four listed effects. The statute bars a rule that prevents installation, impairs functioning, restricts use, or adversely affects cost or efficiency. A blanket “rear-facing only” rule is the one most exposed, because on many lots it is the one most likely to be measurable in kilowatt-hours.
  3. Understand who carries the evidence. Granite Springs lost the placement point because the homeowners produced production and cost numbers and the association produced nothing. Footnote 6 records that the association had told the homeowners its rule allowed panels in locations “all of which offer similar cost and functionality,” and the court noted flatly: “This conclusion was not borne out by the evidence.” An association that intends to defend a placement rule needs its own engineering, not an assertion.
  4. Fix the application process, not just the answer. The enforceable space left to a Missouri association is narrow and technical. A review process that asks for a production estimate and evaluates the rule's effect on it is inside that space. One that asks whether panels are visible from the street is not.
  5. Do not cite the Court of Appeals decision in this case. The opinion records its own posture: “After an opinion by the court of appeals, this Court granted transfer.” That earlier Southern District opinion, No. SD38515 (13 May 2025), was superseded and has no precedential effect. Any memo or vendor summary still citing it is citing a vacated opinion.

The tension in the Missouri record

There is a fact here that belongs on the table, and we are going to state it as a fact rather than resolve it. Three months before Eikmeier issued, a Cole County circuit judge invalidated House Bill 2062 — the 2024 act that put the chickens provision into section 442.404 — on several grounds including impairment of a property owners association's restrictive covenant. Then the Supreme Court of Missouri, on the impairment question, held that a statute making a class of covenant term unenforceable is not an unconstitutional impairment, and said a private contract cannot override a later legislative policy judgment.

A trial-court judgment and a Supreme Court opinion are not equals in the Missouri hierarchy, and the two cases turned on different statutory subsections and different procedural attacks. But the reasoning pulls in opposite directions on the same question, and the record now contains both. We are not going to predict how that resolves.

What to watch next

Whether a motion for rehearing was filed in Eikmeier, and whether the mandate has issued, are docket events we have not confirmed. What is already fixed is the published rule: the Revisor of Statutes now prints one case annotation under section 442.404, and it is this one — “(2026) The prohibition of covenants, deed restrictions, or similar binding agreements running with the land that limit or prohibit the installation of solar panels encompasses covenants existing prior to the effective date of this statute.”2

Related Missouri HOA Topics

← All Missouri HOA Topics

  1. Eikmeier v. Granite Springs Home Owners Ass'n, Inc., No. SC101152 (Mo. banc, opinion issued Jan. 23, 2026) — slip opinion (also reported at 727 S.W.3d 432)
  2. Mo. Rev. Stat. § 442.404 (Revisor of Statutes, effective 28 Aug. 2024) — statutory text and case annotation

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