NOTE: §41(intro. para.) eff. until July 1, 2026. See Acts 2025, No. 182.
§41. Policyholder bill of rights
The following items exist in Louisiana statutes and shall serve as standards for a
policyholder bill of rights and do not create additional causes of actions or further penalties
not otherwise provided under Louisiana statutes:
NOTE: §41(intro. para.) eff. July 1, 2026. See Acts 2025, No. 182.
§41. Policyholder bill of rights
The following items exist in Louisiana statutes and serve as standards for a
policyholder bill of rights and do not create additional causes of actions or further penalties
not otherwise provided under Louisiana statutes:
(1)Policyholders shall have the right to competitive pricing practices and marketing
methods that enable them to determine the best value among
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NOTE: §41(intro. para.) eff. until July 1, 2026. See Acts 2025, No. 182.
§41. Policyholder bill of rights
The following items exist in Louisiana statutes and shall serve as standards for a
policyholder bill of rights and do not create additional causes of actions or further penalties
not otherwise provided under Louisiana statutes:
NOTE: §41(intro. para.) eff. July 1, 2026. See Acts 2025, No. 182.
§41. Policyholder bill of rights
The following items exist in Louisiana statutes and serve as standards for a
policyholder bill of rights and do not create additional causes of actions or further penalties
not otherwise provided under Louisiana statutes:
(1) Policyholders shall have the right to competitive pricing practices and marketing
methods that enable them to determine the best value among comparable coverage in
accordance with R.S. 22:1964.
(2) Policyholders shall have the right to insurance advertising that is not false and
other selling approaches that provide accurate and balanced information on the benefits and
limitations of a policy in accordance with R.S. 22:1964.
(3) Policyholders shall have the right to an insurance company that is financially
stable.
(4) Policyholders shall have the right to be treated fairly and be free from unfair or
deceptive acts or practices in accordance with R.S. 22:1961 et seq.
(5) Policyholders shall have the right to receive service from competent, honest
insurance producers that will answer their questions promptly.
(6) Policyholders shall have the right to receive the appropriate disclosure form as
an insert in the front of the policy that complies with R.S. 22:1319 and 1332.
(7) Policyholders shall have the right to balanced and positive regulation by the
Department of Insurance.
(8) Policyholders shall have the right to check the license status of an insurance
company, producer, or adjuster.
NOTE: Paragraph (9) eff. until July 1, 2026. See Acts 2025, No. 182.
(9) Policyholders shall have the right to receive written notice of cancellation or
nonrenewal at least thirty days prior to the effective date of the cancellation or nonrenewal,
unless the cancellation or nonrenewal is for non-payment of premium and shall have the right
to protection from improper cancellation or nonrenewal in accordance with R.S. 22:1265 and
1333.
NOTE: Paragraph (9) eff. July 1, 2026. See Acts 2025, No 182.
(9) Policyholders shall have the right to receive written notice of cancellation or
nonrenewal at least sixty days prior to the effective date of the cancellation or nonrenewal,
unless the cancellation or nonrenewal is for nonpayment of premium and shall have the right
to protection from improper cancellation or nonrenewal in accordance with R.S. 22:1265
and 1333.
(10) Policyholders shall have the right to receive in writing the reason for any
cancellation or nonrenewal of coverage. The written statement must provide an explanation
for the cancellation or nonrenewal of coverage.
(11) Policyholders shall have the right to cancel their policy and receive a refund of
any unearned premium. If a policy was funded by a premium finance company, the unearned
premium will be returned to the premium finance company to pay toward the policyholder's
financing loan.
(12) Policyholders shall have the right to a written notification detailing any change
in policy provisions at renewal.
(13) Policyholders shall have the right to receive payment of the amount of any
property damage claim, or a portion of the claim, due or a written offer to settle any property
damage claim within thirty days after receipt of satisfactory proof of loss in accordance with
the provisions of R.S. 22:1892 and 1892.2. If a claim is denied, policyholders shall have the
right to receive a written explanation as to the reason for denial, in whole or in part, of any
claim made under their policy of insurance.
(14) Relative to first-party property damage claims, policyholders shall have the right
to request and receive from the insurance company any portion of the claim file, including
but not limited to any written reports, estimates, bids, plans, measurements, drawings,
engineer reports, contractor reports, statements, photographs, video recordings, or any other
documents or communications unless the record that the insurance company prepared or used
during its adjustment of the policyholder's claim is legally privileged in accordance with R.S.
22:1964(14). An insurance company may keep confidential adjuster notes, logs, and any
other documents or communications prepared in conjunction with a fraud investigation in
accordance with R.S. 22:1964(14).
(15) Policyholders shall have the right to file a complaint against any insurance
company, producer, or adjuster with the Department of Insurance, and have that complaint
investigated by the department.
(16) Policyholders shall have the right to a readable policy, to receive a complete
property insurance policy, and to request a duplicate or replacement policy as needed.
(17) Policyholders shall have the right to the remedies provided for in R.S. 22:1892
if an insurer violates that Section in the handling of the claim.