Louisiana

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.

On June 20, 2025, the Louisiana Department of Insurance issued Advisory Letter 2025-02 to all property and casualty insurers, producers, public adjusters, and persons doing business in the state to remind them of Act 364 of the 2023 Regular Legislative Session regarding assignment of benefit (AOB) agreements.

Louisiana has enacted multiple bills in this year's legislative session. Summaries of some of the recent bills follow.

On May 21, 2025, the Louisiana Department of Insurance issued Bulletin 2025-03 regarding the Louisiana Fortify Homes Program. 

On May 5, 2025, the Louisiana Department of Insurance issued Bulletin 2025-02 to property and casualty insurers writing homeowners or private passenger motor vehicle policies in the state to inform them of the requirement to disclose all available discounts that could lead to reduced premiums for current or prospective policyholders.

On March 21, 2025, the Louisiana Department of Insurance issued Directive 226 regarding Louisiana Citizens Property Insurance Corporation (LCPIC) emergency assessments. 

Louisiana has enacted Emergency Rule 49. Among other provisions, the rule stipulates that no policy should be cancelled or nonrenewed solely due to a claim that is filed as a result of Hurricane Francine or its aftermath. The rule outlines the parishes and lines of insurance to which it is applicable.

Louisiana has enacted Senate Bill 323, which, among other provisions, adds many requirements for claims settlement practices, including penalties for the failure of payments by insurers as specified. The bill also outlines that insurers owe their insureds a duty of good faith and fair dealing with their claims. Lastly, the bill provides catastrophic loss claims settlement practices and timelines that insurers must follow, along with the penalties that may apply. The bill became effective on July 1, 2024.