The Louisiana Department of Insurance established a voluntary mediation program for residential claims less than $50,000 in dispute that went into effect yesterday. The bulletin announcing this program explained the historical basis for this program:

In the wake of property devastation caused in 2005 by Hurricane Katrina and Hurricane Rita, the Louisiana Department of Insurance (‘LOI’) issued Emergency Rule 22, which established a mandatory mediation program. The mediations conducted pursuant to Emergency Rule 22 resulted in the mediation of approximately 12,000 property damage disputes with a very high success rate. Given the success of that mediation program, the LOI is optimistic that a similar mediation program, to be known as the “Hurricane Ida Mediation Program” (the ‘Program’), could yield similar success.


Continue Reading Hurricane Ida Voluntary Mediation Program For Residential Claims

The President of the United States and the Insurance Commissioner of Louisiana have come out publicly asking insurance companies to pay for customers’ increased living expenses under their homeowners policies. The editors of the FC&S recently published an opinion supporting these requests.
Continue Reading Hurricane Ida Additional Living Expense Coverage Supported By FC&S Editors

Anybody who joined me for our Hurricane Ida webinar yesterday could tell that Steve Mullins is an aggressive and experienced property insurance advocate. Steve was born in New Orleans and is the eldest son of Louisiana parents. Steve grew up in Baton Rouge, Louisiana, and along the Mississippi Gulf Coast in Ocean Springs. He is a proud graduate of Ocean Springs High School, where he was active in football, student government, and all sorts of fun that is available when you live along the Mississippi Gulf Coast. I know about those fun things because I lived in Waveland, Mississippi, for three of my best formative years.
Continue Reading Steve Mullins With Louisiana, Mississippi, and Alabama Ties Joins Merlin Law Group

Louisiana policyholders have suffered through their share of destructive storms, hurricanes, and floods over the past five years. Many of these policyholders need the services of quality restoration contractors and great public insurance adjusters. Recently, Hurricane Ida has led to a number of public adjusters asking for advice about doing work in Louisiana. I tell public adjusters “do not do business as usual and do not have a contingent agreement.
Continue Reading Louisiana Public Adjusters Should Not Have Any Form of a Contingent Agreement

I was speaking with an attorney from Jefferson Parish in Louisiana about Hurricane Laura claims. He told me that the word that best fit insurance company payments for that storm is “putrid.” If that is the case, insurance companies that wrongfully delay payment of claims in Louisiana for greater than thirty days can be subject to an automatic penalty.
Continue Reading Insurance Companies Have 30 Days to Pay or Be Subject to Penalties in Louisiana

Hurricane Ida claims in Louisiana are underway. Following Hurricane Laura, a number of Louisiana public adjusters complained about many insurance companies not speaking with them and simply ignoring their own policyholder customers. All adjuster and claims managers should read and follow a February 26, 2021, Bulletin1 from Louisiana’s insurance commissioner about what is expected of them regarding good faith claims handling and working cooperatively to help Louisiana policyholders.
Continue Reading Louisiana Policyholders Deserve Good Faith Treatment – Insurance Companies Cannot Ignore Public Adjusters and Should Communicate with Policyholders

Louisiana Act 345 will have an immediate impact on Louisiana property insurance claims from Hurricane Ida. The law just became effective on August 1, 2021, without much publicity. Hurricane Ida has done significant damage in Louisiana, and everybody involved in the claims process should carefully consider this new law.
Continue Reading New Louisiana Property Insurance Law Impacts Hurricane Ida Claims