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LouisianaHB 11172026 Regular SessionHouseWALLET

INSURANCE: Provides relative to certain insurer contractual payments and prescriptive period

Sponsored By: Michael "Gabe" Firment (Republican)

Signed by Governor

Insurance

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Bill Overview

Analyzed Economic Effects

2 provisions identified: 1 benefits, 0 costs, 1 mixed.

Homeowners get written lawsuit deadline warnings

Beginning January 1, 2027, insurers must give written notice when making an unconditional payment on certain homeowners insurance claims. This applies to claims under dwelling coverage or other structures coverage. The notice must explain that the payment does not stop, pause, or extend the deadline to sue.

Insurance lawsuit deadlines have firm limits

The law covers insurance issued for delivery in Louisiana covering people or property in the state. It also covers health and accident policies insuring Louisiana residents, regardless of where issued. For first-party claims under R.S. 22:47(6), (10)–(13), (15), and (19), contracts must allow at least 24 months from the loss to sue. For other insurance, contracts must allow at least one year after the legal claim arises, unless the Insurance Code provides otherwise. Payments under the listed policy types do not count as acknowledging a debt or extend the contract’s lawsuit deadline, which runs from the loss.

Sponsors & Cosponsors

Sponsor

  • Michael "Gabe" Firment

    Republican • House

Cosponsors

There are no cosponsors for this bill.

Roll Call Votes

All Roll Calls

Yes: 359 • No: 3

Senate vote • 5/31/2026

Conference Committee Report read; adopted by a vote of 35 yeas and 0 nays.

Yes: 35 • No: 0

House vote • 5/31/2026

Conference Committee Report read, roll called, yeas 91, nays 0. The Conference Committee Report was adopted.

Yes: 91 • No: 0

House vote • 5/20/2026

Read by title, roll called, yeas 93, nays 0, Senate amendments rejected, conference committee appointment pending.

Yes: 93 • No: 0

Senate vote • 5/12/2026

Rules suspended. Senate floor amendments read and adopted. Read by title, passed by a vote of 35 yeas and 0 nays, and ordered returned to the House. Motion to reconsider tabled.

Yes: 35 • No: 0

House vote • 4/21/2026

Read third time by title, roll called on final passage, yeas 95, nays 3. Finally passed, title adopted, ordered to the Senate.

Yes: 95 • No: 3

House vote • 4/14/2026

Reported favorably

Yes: 10 • No: 0

Actions Timeline

  1. Signed by the Governor. Becomes Act No. 876.

    6/9/2026House

  2. Effective date: See Act.

    6/9/2026House

  3. Sent to the Governor for executive approval.

    6/4/2026House

  4. Enrolled and signed by the Speaker of the House.

    6/1/2026House

  5. Signed by the President of the Senate.

    6/1/2026Senate

  6. Conference Committee Report read, roll called, yeas 91, nays 0. The Conference Committee Report was adopted.

    5/31/2026House

  7. Notice House adopted the Conference Committee Report.

    5/31/2026Senate

  8. Conference Committee Report read; adopted by a vote of 35 yeas and 0 nays.

    5/31/2026Senate

  9. Scheduled for floor debate on 05/31/2026.

    5/29/2026House

  10. Conference Committee report received. Lies over under the rules.

    5/28/2026House

  11. Conference committee report received.

    5/28/2026Senate

  12. Notice of Senate conferees appointed.

    5/26/2026House

  13. House conferees appointed: Firment, Mike Johnson, and Melerine.

    5/25/2026House

  14. Senate conference committee members appointed: Seabaugh, Bass, and Duplessis.

    5/25/2026Senate

  15. Notice House Conference Committee members appointed.

    5/25/2026Senate

  16. Read by title, roll called, yeas 93, nays 0, Senate amendments rejected, conference committee appointment pending.

    5/20/2026House

  17. Notice House rejected the Senate amendments.

    5/20/2026Senate

  18. Scheduled for concurrence on 05/20/2026.

    5/19/2026House

  19. Received from the Senate with amendments.

    5/13/2026House

  20. Rules suspended. Senate floor amendments read and adopted. Read by title, passed by a vote of 35 yeas and 0 nays, and ordered returned to the House. Motion to reconsider tabled.

    5/12/2026Senate

  21. Reported without Legislative Bureau amendments. Read by title and passed to third reading and final passage.

    5/4/2026Senate

  22. Committee amendments read and adopted. Read by title and referred to the Legislative Bureau.

    4/29/2026Senate

  23. Reported with amendments.

    4/28/2026Senate

  24. Read second time by title and referred to the Committee on Insurance.

    4/22/2026Senate

  25. Read third time by title, roll called on final passage, yeas 95, nays 3. Finally passed, title adopted, ordered to the Senate.

    4/21/2026House

Bill Text

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