All Roll Calls
Yes: 249 • No: 0
LouisianaHB 3452025 Regular SessionHouseWALLET
INSURANCE/PROPERTY: Provides for notices relative to residential property insurance
Sponsored By: John E. Wyble (Republican)
Signed by Governor
Insurance
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Bill Overview
Analyzed Economic Effects
2 provisions identified: 2 benefits, 0 costs, 0 mixed.
More warning before losing insurance coverage
Beginning July 1, 2026, Louisiana insurers generally must give 60 days’ written notice before canceling or not renewing covered policies. Separate deadlines remain for unpaid premiums, including a 10-day rule; some commercial cancellations also retain a 10-day deadline. Homeowners’ cancellation and nonrenewal notices must explain the reason. If homeowners receive late nonrenewal notice, existing coverage continues until 60 days after notice. Premiums for that extra coverage are based on the prior year’s rate and the time covered. Existing protections against improper cancellation or nonrenewal remain, but the law creates no new grounds for lawsuits.
Businesses get earlier insurance change notices
Beginning July 1, 2026, Louisiana commercial insurers must give 60 days’ written notice before expiration, up from 30 days. This covers rate increases, deductible changes, and cuts to coverage or coverage limits. Without timely notice, existing rates and coverage continue until notice is given or replacement coverage starts, whichever comes first. If the business does not renew, premiums for the extension are prorated using the lower current or prior-year rate. If it renews, the increase and other changes take effect the day after the previous expiration or anniversary date.
Sponsors & Cosponsors
Sponsor
John E. Wyble
Republican • House
Cosponsors
Dennis Bamburg Jr.
Republican • House
Josh Carlson
Republican • House
Michael Melerine
Republican • House
Regina Barrow
Democratic • Senate
Roll Call Votes
House vote • 6/3/2025
Read by title, roll called, yeas 101, nays 0, Senate amendments concurred in.
Yes: 101 • No: 0
Senate vote • 5/28/2025
Senate floor amendments read and adopted. Read by title, passed by a vote of 38 yeas and 0 nays, and ordered returned to the House. Motion to reconsider tabled.
Yes: 38 • No: 0
House vote • 4/29/2025
Read third time by title, roll called on final passage, yeas 96, nays 0. Finally passed, title adopted, ordered to the Senate.
Yes: 96 • No: 0
House vote • 4/23/2025
Reported with amendments
Yes: 14 • No: 0
Actions Timeline
Signed by the Governor. Becomes Act No. 182.
6/8/2025HouseEffective date: 07/01/2026.
6/8/2025HouseSent to the Governor for executive approval.
6/5/2025HouseEnrolled and signed by the Speaker of the House.
6/4/2025HouseSigned by the President of the Senate.
6/4/2025SenateRead by title, roll called, yeas 101, nays 0, Senate amendments concurred in.
6/3/2025HouseScheduled for concurrence on 06/03/2025.
6/2/2025HouseReceived from the Senate with amendments.
5/29/2025HouseSenate floor amendments read and adopted. Read by title, passed by a vote of 38 yeas and 0 nays, and ordered returned to the House. Motion to reconsider tabled.
5/28/2025SenateReported without Legislative Bureau amendments. Read by title and passed to third reading and final passage.
5/12/2025SenateRead by title and referred to the Legislative Bureau.
5/8/2025SenateReported favorably.
5/7/2025SenateRead second time by title and referred to the Committee on Insurance.
4/30/2025SenateRead third time by title, roll called on final passage, yeas 96, nays 0. Finally passed, title adopted, ordered to the Senate.
4/29/2025HouseReceived in the Senate. Rules suspended. Read first time by title and placed on the Calendar for a second reading.
4/29/2025SenateScheduled for floor debate on 04/29/2025.
4/28/2025HouseRead by title, amended, ordered engrossed, passed to 3rd reading.
4/24/2025HouseReported with amendments (14-0).
4/23/2025HouseRead by title, under the rules, referred to the Committee on Insurance.
4/14/2025HousePrefiled.
4/3/2025HouseUnder the rules, provisionally referred to the Committee on Insurance.
4/3/2025House
Bill Text
Engrossed
Enrolled
Introduced
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