Louisiana roofing supplement law (2026)
Louisiana Revised Statute §22:1892 requires good-faith claims handling and supports matching where partial repair creates visible mismatch.
Louisiana Revised Statute §22:1892 requires good-faith claims handling and supports matching where partial repair creates visible mismatch.
Both available. Most coastal policies are ACV with separate wind/hail deductible.
Recoverable depreciation must be released within 30 days of completion documentation under §22:1892.
1 year from date of loss for property claims (one of the shortest in the US).
Licensed by Louisiana Department of Insurance.
Louisiana adopts the 2015 IRC with state amendments. Coastal parishes require IRC R301.2.1.1 wind-resistance provisions.
Top carriers in Louisiana
- Louisiana Citizens
- State Farm
- Allstate
- USAA
- Louisiana Farm Bureau
Louisiana Citizens is the residual market — expect aggressive depreciation. Always supplement.
Pro tips
- 1-year statute of limitations is unforgiving — file quickly.
- Hurricane Ida and Laura reshaped LA insurance market. Many homeowners are non-renewed and end up at Citizens.
- §22:1892 also supports penalty + attorney fees for bad-faith carriers.
Frequently asked questions
How long do I have to file a roof claim in Louisiana?
1 year from the date of loss — one of the shortest statutes of limitations in the US.
Does Louisiana have a matching law?
§22:1892 requires good-faith claims handling, which supports matching where partial repair creates visible mismatch.
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