Every document references the Louisiana statutes that matter — R.S. 22:1892, R.S. 22:1973. Generate a professional, carrier-ready document in 90 seconds.
No account required · 3 free documents · LA statute citations included
Louisiana's bad faith statutes — R.S. 22:1892 and 22:1973 — carry some of the strongest policyholder penalties in the country. These statutes are cited in every document we generate.
Louisiana insurers must pay property damage claims within 30 days of receiving satisfactory proof of loss. Missing this deadline triggers 50% penalty damages and attorney's fees.
Generate Claim TimelineIf an insurer fails to pay within 30 days without a valid reason, the policyholder is entitled to 50% of the amount due plus reasonable attorney's fees. This is one of the strongest bad faith penalties in the country.
Generate Bad Faith Demand LetterLouisiana's primary bad faith statute requires insurers to adjust claims fairly and promptly. Arbitrary or capricious denial or underpayment triggers penalties of up to $5,000 per violation plus attorney's fees.
Generate Bad Faith Demand LetterLouisiana public adjusters must be licensed by the Louisiana Department of Insurance (LDI) and post a $50,000 surety bond. Fees must be reasonable and disclosed in writing in the contract.
Generate Document ChecklistLouisiana law requires public adjusters to serve with objectivity and complete loyalty to the insured alone. A public adjuster cannot have any financial interest in the contractor performing repairs.
Generate Client Update LetterLouisiana policies typically require a sworn proof of loss within 60 days of a carrier request. A properly executed proof of loss starts the 30-day payment clock and creates clear bad faith exposure if ignored.
Generate Proof of Loss StatementEvery document includes Louisiana statute citations, bad faith penalty language, and the exact format insurance companies expect.
Itemized damage estimate with Xactimate codes and Louisiana RCV calculations for hurricane, flood, and wind claims.
Formal demand citing LA R.S. 22:1892 with a 30-day payment deadline and 50% penalty language.
Bad faith demand citing LA R.S. 22:1892 and 22:1973 — 50% penalties plus attorney's fees for arbitrary denial.
Sworn statement meeting Louisiana policy requirements, starts the 30-day payment clock.
Supplement letter for newly discovered hurricane or flood damage, citing Louisiana RCV entitlement.
Chronological record tracking LA R.S. 22:1892 carrier response deadlines for LDI complaints.
Louisiana faces more hurricane and flood claims per capita than almost any other state. With carriers routinely underpaying Katrina, Ida, and Laura claims, Louisiana public adjusters need documents that cite R.S. 22:1892 and 22:1973 — statutes with some of the strongest bad faith penalties in the country.
Every document cites the applicable Louisiana statute — R.S. 22:1892, R.S. 22:1973, and more.
Generate a complete, carrier-ready document in 90 seconds — not 90 minutes.
Xactimate line items, New Orleans and Baton Rouge pricing, and Louisiana-specific bad faith penalty language built in.
Used by licensed Louisiana public adjusters handling hurricane, flood, and wind claims statewide.
Under Louisiana Revised Statute 22:1892(A)(1), an insurer must pay property damage claims within 30 days of receiving satisfactory proof of loss. If the insurer fails to pay within 30 days without a valid reason, the policyholder is entitled to 50% of the amount owed plus reasonable attorney's fees under R.S. 22:1892(B)(1).
Louisiana has two primary bad faith statutes: R.S. 22:1892 and R.S. 22:1973. R.S. 22:1892 imposes 50% penalty damages and attorney's fees for failure to pay within 30 days. R.S. 22:1973 imposes penalties of up to $5,000 per violation plus attorney's fees for arbitrary or capricious claims handling. Both statutes apply to property damage claims.
Yes. A licensed Louisiana public adjuster can re-inspect hurricane, flood, or wind damage, prepare a detailed scope of loss, and send a formal demand letter citing LA R.S. 22:1892 and 22:1973. Louisiana's strong bad faith statutes give public adjusters significant leverage to recover underpaid claims.
Under Louisiana Revised Statute 22:1703, public adjuster fees must be reasonable and disclosed in writing in the contract. Louisiana is unique in that it historically restricted contingency fee arrangements, but recent legislative changes (SB 156, 2023) have clarified that public adjusters may charge percentage-based fees. A $50,000 surety bond is required for licensing.
If a Louisiana insurer fails to pay a property damage claim within 30 days of receiving satisfactory proof of loss, and the failure is found to be arbitrary, capricious, or without probable cause, the insurer owes an additional 50% of the amount due plus reasonable attorney's fees. This is one of the strongest bad faith penalties in the United States.
You can file a complaint with the Louisiana Department of Insurance (LDI) at ldi.la.gov. A formal Claim Timeline documenting every carrier communication, deadline missed, and payment delay is essential evidence for an LDI complaint or subsequent bad faith lawsuit under R.S. 22:1892 or 22:1973.
No account required. Enter your claim details and get a professional, LA statute-cited document in 90 seconds. First 3 documents are free.
Generate My First Document FreeNo account · No credit card · 3 free documents