LouisianaHome insurers must warn claimants some payments do not extend deadlines
Starting January 1, 2027, insurers must tell homeowners in writing when an unconditional payment does not extend the deadline for a covered claim.
What it does
For listed insurance claims, contracts must allow at least 24 months from the loss to bring a first-party claim. Other insurance must allow at least a year from when the legal claim begins, and certain insurer payments do not extend these deadlines.
When an insurer makes an unconditional payment on a homeowners claim for a home or other structures, it must tell the claimant in writing that the payment does not extend the claim deadline.
Argument forHomeowners could better track their claim deadline because insurers must explain in writing that certain payments do not extend it.
Argument againstClaimants could have less time to act if they rely on an insurer’s payment to extend a deadline, since certain payments do not extend it.
More detail
Insurance contracts cannot set shorter deadlines than the law allows for covered claims, and certain insurer payments do not extend those deadlines. The rules apply to the insurance contracts and claim types described in the text. For a first-party claim under the listed insurance types, the contract cannot allow less than 24 months from the loss to bring an action. For other insurance, the contract cannot allow less than one year from when the legal claim begins, unless the Insurance Code specifically provides otherwise. A payment under the listed insurance types does not count as acknowledging a debt or extend a contract deadline that starts when the loss occurs. These provisions took effect when the governor signed the act.
Insurers must give claimants written notice that an unconditional payment does not extend the claim deadline. The notice goes to the claimant who filed the covered homeowners policy claim. The duty applies when an insurer makes an unconditional payment on a claim under dwelling or other structures coverage in a homeowners policy. This notice rule takes effect January 1, 2027.
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Where it stands
- Introduced
- Passed House
- Passed Senate
- To Governor
- Became Law
Looking ahead
No hearings or votes scheduled.
History
- 2026
- Jun 9Signed by the Governor Jeff Landry. Becomes Act No. 876.Became Law
- Jun 9Effective date: See Act.
- Jun 4Sent to the Governor for executive approval.To Governor
- Jun 1Enrolled and signed by the Speaker of the House.Minor
- Jun 1Signed by the President of the Senate.
- May 31Conference Committee Report read, roll called, yeas 91, nays 0. The Conference Committee Report was adopted.
- Vote recorded ADOPT CONFERENCE REPORT (#1785). Result: pass.Lower
- Vote recorded ADOPT (#1604). Result: pass.Upper
- May 31Notice House adopted the Conference Committee Report.
- May 31Conference Committee Report read; adopted by a vote of 35 yeas and 0 nays.
- May 29Scheduled for floor debate on 05/31/2026.
- May 28Conference Committee report received. Lies over under the rules.
- May 28Conference committee report received.
- May 26Notice of Senate conferees appointed.
- May 25House conferees appointed: Firment, Mike Johnson, and Melerine.
- May 25Senate conference committee members appointed: Seabaugh, Bass, and Duplessis.
- May 25Notice House Conference Committee members appointed.
- May 20Read by title, roll called, yeas 93, nays 0, Senate amendments rejected, conference committee appointment pending.
- Vote recorded REJECT SENATE AMENDMENTS (#1442). Result: pass.Lower
- May 20Notice House rejected the Senate amendments.
- May 19Scheduled for concurrence on 05/20/2026.
- May 13Received from the Senate with amendments.Minor
- May 12Rules suspended. Senate floor amendments read and adopted. Read by title, passed by a vote of 35 yeas and 0 nays, and ordered returned to the House. Motion to reconsider tabled.Passed Senate
- Vote recorded FINAL PASSAGE (#799). Result: pass.Upper
- May 4Reported without Legislative Bureau amendments. Read by title and passed to third reading and final passage.Minor
- Apr 29Committee amendments read and adopted. Read by title and referred to the Legislative Bureau.
- Apr 28Reported with amendments.Minor
- Apr 22Read second time by title and referred to the Committee on Insurance.Minor
- Apr 21Read third time by title, roll called on final passage, yeas 95, nays 3. Finally passed, title adopted, ordered to the Senate.Passed House
- Vote recorded FINAL PASSAGE (#626). Result: pass.Lower
- Apr 21Received in the Senate. Rules suspended. Read first time by title and placed on the Calendar for a second reading.Minor
- Apr 20Scheduled for floor debate on 04/21/2026.
- Apr 15Read by title, ordered engrossed, passed to 3rd reading.Minor
- Apr 14Reported favorably (10-0).Minor
- Apr 1Read by title, under the rules, referred to the Committee on Insurance.Minor
- Mar 31Read by title. Lies over under the rules.Introduced
Consumer Protection