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Louisiana claim resources.

A single starting point for Louisiana-specific guidance, primary sources, and the broader claim topics you may need next.

Reviewed guide updated September 25, 2023 · Fact-checked by Brelly Legal Team

The deep guide

The Louisiana Guide to Property Insurance Claims: Deadlines, Laws, and FAQs

Essential information for homeowners, businesses, and professionals about Louisiana property insurance claims, including laws, deadlines, and FAQs.

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Start with the stage closest to your claim, then continue into the reviewed state guide for details and sources.

01

Making a Claim - Frequently Asked Questions

Making a homeowners insurance claim is incredibly simple. Sometimes referred to as a “First Notice of Loss” or “FNOL,” making a claim is exactly that: simply giving notice to the insurance company that a loss exists. It’s important to do this quickly after learning about a loss, and to keep close track of this notice so you can prove you did it. Here are some frequently asked questions to help you make your homeowners claim right.

02

Proving Your Loss - Frequently Asked Questions

Making a claim is just your first step. The burden is on YOU to prove the extent of your losses. This is a critical part of the claims process. Proving your losses fast will make your claim close faster. Proving your loss completely will make your claim paid more fairly and fully. Here are some frequently asked questions to help.

03

Getting Your Cash - Frequently Asked Questions

It’s time to get paid. Once losses are proved, the money is yours and insurance companies are obligated to get it to you quickly. It’s common for insurance payments to come in increments, to have depreciation amounts removed, to have many check endorsements, and more. In other words, the payment process can be complicated. Here are frequently asked questions to help you get through it in Louisiana.

Primary sources

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The guide links sources beside the assertion they support. This directory provides a state-level route into the reviewed source set.

Reviewed source

La. R.S. 22:1270: Personal property; specific coverage; valuation; exemptions

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[HOMEOWNERS] La. R.S. 22:1337: Homeowners’ insurance deductibles applied to named-storms, hurricanes, and wind and hail deductibles

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[HOMEOWNERS] La. R.S. 22:1338: Additional living expense coverage; total loss

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[RE: CLAIMS ADJUSTERS] La. R.S. 22:1674.1: Standards of conduct; acknowledgment required

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[RE: PUBLIC ADJUSTERS] La. R.S. 22:1704: Contract between public adjuster and insured

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[RE: PUBLIC ADJUSTERS] La. R.S. 22:1706: Standards of conduct of public adjuster

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[CLAIMS] La. R.S. 22:1894: Filing claims; extension for claims arising from hurricane activity

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[CLAIMS] La. R.S. 22:1895: Homeowner’s insurance; claims payments and settlements

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[CLAIMS] La. R.S. 22:1896: Right to transparency and integrity in adjustment of property claims

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[CLAIMS] La. R.S. 22:1898: Catastrophe claim process disclosure form; rules and regulations

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[UNFAIR PRACTICES] La. R.S. 22:1973: Good faith duty; claims settlement practices; cause of action; penalties

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