LouisianaLouisiana fire insurers must give written notice before canceling coverage
Louisiana’s standard fire policy requires written notice before cancellation and lets named insureds request the reason; the rules apply to new policies starting July 1, 2026.
What it does
Insurers must give written notice before canceling a policy. For unpaid premiums, the notice period is ten days; a named insured may request the reason in writing.
Argument forA named insured who asks in writing may get the reason for cancellation and better understand the insurer’s decision.
Argument againstA ten-day notice for missed payments may leave insured people little time to pay or find replacement coverage.
More detail
Insurers must give written notice before canceling a policy. These rules appear in Louisiana’s standard fire policy for residential property insurance. For cancellation due to unpaid premiums, the notice period is ten days. If the named insured asks in writing, the insurer must provide the reasons for cancellation. New policies issued on or after July 1, 2026, are covered. Policies already in effect must conform by their renewal date, no later than July 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 8Signed by the Governor Jeff Landry. Becomes Act No. 848.Became Law
- Jun 8Effective date: 06/08/2026.
- May 28Sent to the Governor for executive approval.To Governor
- May 27Enrolled and signed by the Speaker of the House.Minor
- May 27Signed by the President of the Senate.
- May 26Read by title, roll called, yeas 99, nays 0, Senate amendments concurred in.
- Vote recorded CONCUR IN SENATE AMENDMENTS (#1489). Result: pass.Lower
- May 25Scheduled for concurrence on 05/26/2026.
- May 20Received from the Senate with amendments.Minor
- May 19Rules suspended. Called from the Calendar.
- Vote recorded FINAL PASSAGE (#1024). Result: pass.Upper
- May 19The amended bill was read by title, passed by a vote of 33 yeas and 0 nays, and ordered returned to the House. Motion to reconsider tabled.Passed Senate
- Apr 22Read by title and returned to the Calendar, subject to call.
- Apr 14Reported without Legislative Bureau amendments. Read by title and passed to third reading and final passage.Minor
- Apr 13Committee amendments read and adopted. Read by title and referred to the Legislative Bureau.
- Apr 8Reported with amendments.Minor
- Mar 30Read second time by title and referred to the Committee on Insurance.Minor
- Mar 25Read third time by title, roll called on final passage, yeas 98, nays 0. Finally passed, title adopted, ordered to the Senate.Passed House
- Vote recorded FINAL PASSAGE (#106). Result: pass.Lower
- Mar 25Received in the Senate. Rules suspended. Read first time by title and placed on the Calendar for a second reading.Minor
- Mar 23Read by title, ordered engrossed, passed to 3rd reading.Minor
- Mar 23Scheduled for floor debate on 03/25/2026.
- Mar 18Reported favorably (14-0).Minor
- Mar 9Read by title, under the rules, referred to the Committee on Insurance.Minor
- Feb 27Prefiled.Minor
- Feb 27Under the rules, provisionally referred to the Committee on Insurance.Minor
- Feb 27First appeared in the Interim Calendar on 2/27/2026.Introduced
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