Louisiana

Louisiana has enacted House Bill 1117 which, among other provisions, amends how certain insurer actions affect a claim's prescriptive period. The bill clarifies that an insurer’s payment under the terms of certain policies is not considered acknowledgement of a debt and does not extend the prescriptive period. Additionally, if an insurer issues an unconditional payment for certain homeowner policy claims, the bill requires the insurer to provide written notice to the claimant that the payment does not affect the claim’s prescriptive period.

On June 18, 2026, the Louisiana Department of Insurance enacted Emergency Rule 50. Among other provisions, this rule suspends certain cancellations, terminations, nonrenewals, premium payments, claim filings, and related provisions in lieu of Tropical Storm Arthur and its aftermath. The rule outlines the parishes and lines of insurance to which it is applicable. Emergency Rule 50 will remain in effect until July 22, 2026, unless the Commissioner of Insurance ends it earlier.

Louisiana has enacted House Bill 825 which, among other provisions, amends the required homeowner notice for stated value policies. Before the issuance of such insurance policies, insurers must obtain a statement signed by insureds containing the amended notice, which is to be provided in boldfaced type no smaller than eighteen-point font.

On May 5, 2026, the Louisiana Department of Insurance (LDI) issued Directive 204 (Revised and Reissued) to update guidance on reporting requirements related to residential property and private passenger automobile insurance.

On January 8, 2026, the Louisiana Department of Insurance (LDI) issued Bulletin 2026-02 to provide clarification on the first annual reporting period pertaining to premium discounts for commercial motor vehicles using dashboard cameras with telematic systems.

Louisiana has enacted Senate Bill 61 and House Bill 356. Please see the summaries of both bills below.

Louisiana has adopted Regulation 131, which, among other provisions, states that any insurer that makes a filing for the nonrenewal or cancellation of up to five percent, or for more than five percent, of its insureds' homeowners policies in a calendar year should file a Plan for Nonrenewal or Cancellation with the commissioner. The regulation provides the information that should be included in each plan.

Louisiana has enacted Senate Bills 136 and 137. Please see the below summaries of each bill.

On June 27, 2025, the Louisiana Department of Insurance (LDI) issued Bulletin 2025-04 to give insurers early notification and guidance on potential claims reporting requirements for the 2025 hurricane season.