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.

Louisiana has enacted House Bill 879, which provides changes to certain insurance policy and indemnity bond requirements for specific trucks and motor vehicles. Among these changes are the removal of a bond requirement from all common carriers of freight by motor vehicle, increases to the dollar requirement for public liability and property damage insurance on trucks carrying specific products and passenger-carrying vehicles, adjustments to the minimum dollar requirement for public liability and property damage insurance on trucks transporting waste, and an increase to the amount of required property damage insurance on passenger buses.

Louisiana has enacted House Bill 609, which, among other provisions, outlines the appraisal process. The bill states that upon a demand for appraisal, the insurer and claimant should each select an independent and qualified appraiser. If the appraisers do not agree on the amount of loss, then they should select an independent and qualified umpire. In the event that the appraisers are unable to agree on an umpire, then either appraiser may submit a request for the judge to select one. Additionally, the bill outlines other details, including appraiser qualifications and umpire selection. The bill will apply to all property insurance policies issued, delivered, or renewed on or after January 1, 2025.

On July 12, 2024, the Louisiana Department of Insurance (LDI) issued Directive 224 to notify all authorized property and casualty insurers and surplus lines insurers of the Homeowners Insurance Policies Data Calls and the Commercial Lines Property Policies Data Calls.

Louisiana has enacted Senate Bill 499, which clarifies that if the uninsured motorist coverage rejection, selection of lower limits, or selection of economic-only coverage form is signed but not properly completed, then as specified, there should be no uninsured motorist coverage or modified uninsured motorist coverage included on the policy if it is determined that the insured or their representative intended to reject or modify the coverage.

Louisiana has recently enacted House Bill 144 and House Bill 375. Please see the summaries below.

On June 18, 2024, the Louisiana Department of Insurance (LDI) issued Bulletin 2024-01 to all property and casualty insurers, providing notification and guidance on reporting requirements relating to homeowners insurance policies issued in Louisiana.

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

On November 10, 2022, the Louisiana Department of Insurance (LDI) issued Bulletin 22-07 to provide guidance to all insurers and entities licensed or authorized to do business in the state of Louisiana regarding the Demographic Hiring Survey (Survey).