In response to many concerned Louisiana policyholders and advocates, the Louisiana Department of Insurance (LDI) issued Bulletin 2021-03 to all authorized (admitted) and approved unauthorized (surplus lines) insurers who provide coverage for Louisiana policyholders’ damages as a result of the catastrophic events of 2020.1
Continue Reading Louisiana Department of Insurance Issues a Good Faith and Fair Dealing Bulletin To Louisiana Insurers

In the many catastrophes in which we have educated and assisted policyholders in understanding their rights, obligations, and benefits under their policies, we have never seen or heard of insurer non-response like we have in Louisiana after Hurricanes Laura and Delta.
Continue Reading Louisiana Policyholders Have a Right to Obtain a Complete Copy of Their Policy

Last October we pointed out the alarming number of Louisiana insurers adding to the grief of Hurricane Laura insureds by requesting Proofs of Loss within 60 days and repairs to be completed within 180 days in order to receive replacement cost benefits under their policies. We also sent correspondence to Louisiana’s Insurance Commissioner, James J. Donelon, requesting an Advisory Letter be sent to Louisiana insurers reminding them of Louisiana’s statutory extensions for Proofs of Loss and Replacement Cost Coverage deadlines. On February 11, 2021 Louisiana’s Insurance Commissioner issued Bulletin 2021-02:1
Continue Reading Louisiana Insurance Commissioner Issues Bulletin on Statutory Extensions for Proof Of Loss And Replacement Cost Coverage Deadlines

The National Flood Insurance Program (“NFIP”) was implemented to assist victims of flood recover through the issuance of Standard Flood Insurance Policy (“SFIP”) under the National Flood Insurance Act (“NFIA”). The SFIPs are not grants, they require payment of insurance premiums in exchange for the coverages promised under these flood policies. Ideally, the premiums create of “pool” of money from which to draw to pay out claims. This “pool” often dries up and the federal government is called upon to fund the NFIP.
Continue Reading The Meandering of the Louisiana Great Flood of 2016: NFIP WYO Insurer’s Baseless Denials Rejected

I grew up being a baseball player. From the time I was old enough to stand and throw a ball, baseball was a large part of my life. It taught me valuable life lessons like winning and losing, leadership, playing with a team, hard work and dedication. I played all four years I attended Johns Hopkins and even earned some mediocre accolades with these stats. This baseball season was strange due to the pandemic. It was shortened to sixty games, DH across the entire league and the craziest change, no fans. Prior to the Major League Baseball (“MLB”) season starting, I found myself starved for baseball and watching the Korean baseball league on ESPN.
Continue Reading Major League Baseball Sues AIG Over COVID-19 Claims