Louisiana Claims Compliance

Key regulatory requirements, correspondence deadlines, and mandated forms for Louisiana (LA).

Quick Reference

Key Deadlines

Acknowledgment
14 calendar days
Accept/Deny
REASONABLE (30 calendar days to make written offer to settle after proof of loss)
Payment
30 calendar days (60 calendar days for catastrophic claims)
Status Updates
No specific statutory or regulatory requirement found

Requirements

  • Mandated Forms
  • Catastrophe Rules
  • Separate P&C / Life & Health
  • Fraud Warning
  • Depreciation Notice
  • E-Delivery (yes)

Regulatory Authority

Louisiana Department of Insurance (LDI)

Phone: 1-800-259-5300 or (225) 342-5900; Website: www.ldi.la.gov; Address: P.O. Box 94214, Baton Rouge, LA 70804-9214 (Physical: 1702 N. Third Street, Baton Rouge, LA 70802)

Bad Faith: La. R.S. 22:1892; La. R.S. 22:1892.2

Key Statutes

  • La. R.S. 22:1892
  • La. R.S. 22:1892.2
  • La. R.S. 22:1896
Last reviewed: April 1, 2026

Louisiana handles claims correspondence according to specific state regulations. Requirements vary depending on the line of business and specific claim circumstances.

Acknowledgment

Every claim must be acknowledged within 14 days of receipt. The acknowledgment should identify the insurance policy and coverage at issue.

Denial

A written denial must be issued within 30 days. The denial must reference the specific policy provisions, conditions, or exclusions relied upon.

Statutory Language

Specific fraud warning required (La. Rev. Stat. Ann. § 22:1964).

Applicable Letter Templates

No letter templates currently found for this jurisdiction.