Public adjusters in Louisiana: fees, contracts and deadlines
On this page
You can hire a licensed public adjuster in Louisiana, but the adjuster cannot charge a percentage of your claim or a fee that depends on what the insurer pays.
A Louisiana public adjuster may charge a reasonable fee, but not one that is a percentage of your claim or that depends on the payout. A contract with that kind of fee is void.
3 business days
to cancel a public adjuster contract
14 days
for the insurer to acknowledge your claim
30 days
for the insurer to accept or deny
30 days
for the insurer to pay
Each number is explained, with its source, in the sections below.
Can I hire a public adjuster in Louisiana?
You can hire a licensed public adjuster in Louisiana, but the adjuster cannot charge a percentage of your claim or a fee that depends on what the insurer pays.
Louisiana requires a public adjuster license from the Commissioner of Insurance. Working as a public adjuster without one is a crime.
La. R.S. 22:1693(A) (show the source wording)
The source says
“A person shall not act or hold himself out as a public adjuster in this state unless the person is licensed as a public adjuster in accordance with this Part.”Read it at the source (opens in a new tab)
La. R.S. 22:1693(F)(1) (show the source wording)
The source says
“shall be guilty of the crime of the unauthorized practice of public adjusting and shall be subjected to a term of imprisonment at hard labor for not more than two years or fined not more than one thousand dollars, or both”Read it at the source (opens in a new tab)
La. R.S. 22:1692(8)(a) (show the source wording)
The source says
“Investigating, appraising, or evaluating and reporting to an insured in relation to a first-party claim for which coverage is provided by an insurance contract that insures the property of the insured.”Read it at the source (opens in a new tab)
- Regulator
- Louisiana Department of Insurance
- Check a licence
- Official licence lookup
- File a complaint
- Consumer complaint form
- Consumer line
- 1-800-259-5300
What can a public adjuster charge in Louisiana?
A Louisiana public adjuster may charge a reasonable fee, but not one that is a percentage of your claim or that depends on the payout. A contract with that kind of fee is void.
There is no percentage cap because percentage and contingent fees are banned outright. Bills to allow or cap percentage fees (2022 SB 186 and 2026 HB 600) are not law according to the Legislature's bill pages.
- A public adjuster may charge you a reasonable fee.
La. R.S. 22:1703(A) (show the source wording)
The source says“A public adjuster may charge the insured a reasonable fee.”
Read it at the source (opens in a new tab) - The adjuster cannot offer or sign a contract with a fee that is a percentage of the claim or that depends on what the insurer pays.
La. R.S. 22:1703(A) (show the source wording)
The source says“which provides for payment of a fee to the public adjuster which is contingent upon, or calculated as a percentage of, the amount of any claim or claims paid to or on behalf of an insured by the insurer”
Read it at the source (opens in a new tab) - A contract with a percentage or contingent fee is void.
La. R.S. 22:1703(A) (show the source wording)
The source says“any such contract shall be against public policy and is null and void”
Read it at the source (opens in a new tab) - If the insurer pays or commits in writing to pay the policy limit within 72 hours of the loss being reported, the adjuster can only charge reasonable pay for time spent and expenses.
La. R.S. 22:1704(C)(2) (show the source wording)
The source says“Be entitled only to reasonable compensation from the insured for services provided by the public adjuster on behalf of the insured, based on the time spent on a claim and expenses incurred by the public adjuster”
Read it at the source (opens in a new tab) - The contract must state everything the adjuster will be paid.
La. R.S. 22:1704(A)(11) (show the source wording)
The source says“Full salary, fee, compensation, or other considerations the public adjuster is to receive for services.”
Read it at the source (opens in a new tab) - The contract cannot let the adjuster collect a fee on money the insurer owes but has not paid, or take the whole fee out of the first insurance check.
La. R.S. 22:1704(D)(1) (show the source wording)
The source says“Allows the public adjuster's fee to be collected when money is due from an insurance company, but not paid, or that allows a public adjuster to collect the entire fee from the first check issued by an insurance company”
Read it at the source (opens in a new tab) - The contract cannot charge you collection costs or late fees.
La. R.S. 22:1704(D)(3) (show the source wording)
- The adjuster's only financial stake in your claim can be the pay set in your written contract.
La. R.S. 22:1706(D) (show the source wording)
The source says“A public adjuster shall not have a direct or indirect financial interest in any aspect of the claim, other than the compensation established in the written contract with the insured.”
Read it at the source (opens in a new tab) - The adjuster cannot take any payment from a contractor or subcontractor working on your loss.
La. R.S. 22:1706(G) (show the source wording)
The source says“A public adjuster shall not solicit or accept any compensation, direct or indirect, from, by, or on behalf of any contractor or subcontractor engaged by or on behalf of any insured”
Read it at the source (opens in a new tab)
What must the contract say?
The contract must be in writing, titled "Public Adjuster Contract", and list the adjuster's license number, the services and the full fee. You can cancel within three business days after signing.
Your right to cancel: 3 business days. Cancel in writing, mailed or delivered to the adjuster at the address in the contract within the three business days. Anything of value you gave must be returned within 15 business days after the adjuster gets your notice.
- The contract must be in writing and include a list of terms set by law.
La. R.S. 22:1704(A) (show the source wording)
The source says“Public adjusters shall ensure that all contracts for their services are in writing and contain the following terms:”
Read it at the source (opens in a new tab) - It must show the adjuster's full name as on file with the Department of Insurance, business address and phone, and Department of Insurance license number.
La. R.S. 22:1704(A)(1) (show the source wording)
The source says“Legible full name of the adjuster signing the contract, as specified in Department of Insurance records.”
Read it at the source (opens in a new tab) - It must be titled "Public Adjuster Contract".
La. R.S. 22:1704(A)(4) (show the source wording)
- It must describe the services the adjuster will provide.
La. R.S. 22:1704(A)(7) (show the source wording)
The source says“Description of services to be provided to the insured.”
Read it at the source (opens in a new tab) - It must say the adjuster has met the state's bond or letter of credit requirement.
La. R.S. 22:1704(A)(10) (show the source wording)
The source says“Attestation language stating that the public adjuster has satisfied the financial responsibility requirements of state law.”
Read it at the source (opens in a new tab) - Before you sign, the adjuster must give you a separate disclosure that explains the claim process and the three types of adjusters.
La. R.S. 22:1704(E) (show the source wording)
The source says“Prior to the signing of the contract, the public adjuster shall provide the insured with a separate disclosure document regarding the claim process”
Read it at the source (opens in a new tab) - You have three business days after signing to cancel in writing.
La. R.S. 22:1704(H) (show the source wording)
The source says“The insured has the right to rescind the contract within three business days after the date the contract was signed.”
Read it at the source (opens in a new tab) - If you cancel, the adjuster must return anything of value you gave within 15 business days of getting your notice.
La. R.S. 22:1704(I) (show the source wording)
The source says“any thing of value given by the insured under the contract will be returned to the insured within fifteen business days following the receipt by the public adjuster of the cancellation notice”
Read it at the source (opens in a new tab) - The contract is signed in duplicate and you get an original.
La. R.S. 22:1704(F) (show the source wording)
The source says“The contracts shall be executed in duplicate to provide an original contract to the public adjuster and an original contract to the insured.”
Read it at the source (opens in a new tab) - The contract cannot stop you from going to court or using other legal remedies.
La. R.S. 22:1704(D)(4) (show the source wording)
The source says“Precludes the insured from pursuing civil or judicial remedies.”
Read it at the source (opens in a new tab) - The adjuster sends your insurer a letter, signed by you, saying you have a contract. You can still talk to your insurer directly.
La. R.S. 22:1704(G) (show the source wording)
The source says“Delivery of this letter shall not prohibit or impede the right of the insured to communicate directly with the insurer.”
Read it at the source (opens in a new tab)
How can a public adjuster approach me?
- A public adjuster cannot solicit you while the loss event is still under way.
La. R.S. 22:1706(B) (show the source wording)
The source says“A public adjuster shall not solicit, or attempt to solicit, an insured during the progress of a loss-producing occurrence, as defined in the insured's insurance contract.”
Read it at the source (opens in a new tab) - A public adjuster cannot pretend to be an adjuster working for the insurance company.
La. R.S. 22:1693(B) (show the source wording)
The source says“A person licensed as a public adjuster shall not misrepresent to a claimant that he is an adjuster representing an insurer in any capacity”
Read it at the source (opens in a new tab) - A public adjuster cannot drum up business for a lawyer or contractor on your loss. They may recommend one but cannot be paid for the referral.
La. R.S. 22:1706(F) (show the source wording)
The source says“the public adjuster is prohibited from collecting any fee, compensation, or thing of value for such referral”
Read it at the source (opens in a new tab) - Only licensed public adjusters may solicit this kind of business.
La. R.S. 22:1693(C) (show the source wording)
The source says“Only persons licensed under this Part shall directly or indirectly solicit business, investigate or adjust losses for another person engaged in the business of adjusting losses or damages covered by an insurance policy, for the insured.”
Read it at the source (opens in a new tab)
How long does my insurer have in Louisiana?
-
You report the claim
The first clock starts here.
-
Insurer's first response
14 days
counted from the day you report the claim
-
Insurer accepts or denies
30 days
counted from proof of loss, or the last documents the insurer asked for
-
Insurer pays
30 days
counted from proof of loss, or the last documents the insurer asked for
Insurance policies other than life, health and accident. For catastrophic losses (a declared disaster) to residential property, the payment deadline is 60 days after satisfactory written proof of loss under La. R.S. 22:1892.2, and 90 days for other immovable property.
- To acknowledge your claim. The insurer must start adjusting your property damage claim within 14 days after you report the loss. After a declared catastrophe it has 30 days, and the Commissioner can extend that.
La. R.S. 22:1892(A)(3) (show the source wording)
The source says“the insurer shall initiate loss adjustment of a property damage claim and of a claim for reasonable medical expenses within fourteen days after notification of loss by the claimant”
Read it at the source (opens in a new tab) - To accept or deny. The insurer must make a written offer to settle your property damage claim within 30 days after it receives satisfactory proof of loss.
La. R.S. 22:1892(B)(1)(a) (show the source wording)
The source says“failure to make a written offer to settle any property damage claim, including a third-party claim, within thirty days after receipt of satisfactory proofs of loss of that claim”
Read it at the source (opens in a new tab) - To pay. The insurer must pay the amount due within 30 days after it receives satisfactory proof of loss. A written settlement must also be paid within 30 days.
La. R.S. 22:1892(A)(1) (show the source wording)
The source says“shall pay the amount of any claim due any insured within thirty days after receipt of satisfactory proofs of loss from the insured or any party in interest”
Read it at the source (opens in a new tab)
The statute says "days" without saying calendar or business days. They are listed here as calendar days because Louisiana's general rule for counting time (La. Code Civ. Proc. art. 5059) counts legal holidays unless a law excludes them; no court ruling on this point was checked. A written settlement must be paid within 30 days after the agreement (R.S. 22:1892(B)(1)(a) and (I)(2)(b)). La. R.S. 22:1973, the old bad-faith statute, was repealed effective July 1, 2024, and its duties now sit in R.S. 22:1892(I).
What deadlines apply to me?
Your policy sets its own deadlines too, and they can be shorter. These are the ones written into Louisiana law.
- Louisiana's standard fire policy wording gives you 60 days after the loss to send a signed, sworn proof of loss, unless the insurer extends the time in writing.
La. R.S. 22:1311 (show the source wording)
The source says“within sixty days after loss, unless such time is extended in writing by this Company, the insured shall render to this Company a proof of loss, signed and sworn to by the insured”
Read it at the source (opens in a new tab) - After a declared disaster or emergency, policyholders in the declared area get at least 180 days to submit proof of loss.
La. R.S. 22:1264(A) (show the source wording)
The source says“The time limit for the submission of proof of loss shall be not less than one hundred eighty days.”
Read it at the source (opens in a new tab) - The standard fire policy wording gives you 24 months from the start of the loss to sue your insurer on a first-party claim.
La. R.S. 22:1311 (show the source wording)
The source says“unless commenced within twenty-four months next after the inception of the loss”
Read it at the source (opens in a new tab) - For the kinds of insurance listed in the statute, a policy cannot shorten your time to sue on a first-party claim to less than 24 months from the start of the loss.
La. R.S. 22:868(B) (show the source wording)
The source says“limiting right of action against the insurer to a period of less than twenty-four months next after the inception of the loss when the claim is a first-party claim”
Read it at the source (opens in a new tab) - Before suing for penalties over a late-paid catastrophic loss claim, you or your representative must give the insurer 60 days' written notice so it has a chance to pay.
La. R.S. 22:1892.2(C)(1) (show the source wording)
The source says“the insurer shall be given sixty days' written notice of the violation by the insured or his representative”
Read it at the source (opens in a new tab) - A claim for late-payment penalties and attorney fees must be brought within two years.
La. R.S. 22:1892(B)(7) (show the source wording)
The source says“Claims for penalties and attorney fees pursuant to this Subsection are subject to a liberative prescriptive period of two years.”
Read it at the source (opens in a new tab) - After a declared disaster, if you have replacement cost coverage you get at least one year from the loss or from the insurance payment, whichever is later, to finish repairs.
La. R.S. 22:1264(B) (show the source wording)
The source says“shall be entitled to complete repairs to the property within one year from the date of the loss or the issuance of applicable insurance proceeds, whichever is later”
Read it at the source (opens in a new tab)
What can I do if I disagree with the insurer?
- Hurricane Mediation Program. After the Governor declares an emergency for a named windstorm, you can ask for mediation of a residential property claim with up to $150,000 in dispute. You start by contacting a mediation firm listed on the Department of Insurance website.
La. R.S. 22:2653(A) (show the source wording)
The source says“Every insured may request mediation involving a residential property insurance claim for property damage that involves disputed amounts up to one hundred fifty thousand dollars”
Read it at the source (opens in a new tab) - Hurricane mediation costs. The insurer pays the reasonable cost of the mediation. If you miss the session, you pay to reschedule.
La. R.S. 22:2655(1) (show the source wording)
The source says“The insurer shall bear the reasonable costs necessary to conducting mediation conferences”
Read it at the source (opens in a new tab) - Hurricane mediation is voluntary. Mediation is voluntary and not binding. If you sign a settlement there, you have three business days to back out unless you have cashed or deposited the check.
La. R.S. 22:2655(12) (show the source wording)
The source says“Mediation is voluntary and nonbinding. If a written settlement is reached, the insured shall have three business days within which to rescind the settlement”
Read it at the source (opens in a new tab) - Appraisal. Residential property policies must include an appraisal clause. If you and the insurer disagree on the amount of loss, either side can demand appraisal in writing and each picks an appraiser within 20 days.
La. R.S. 22:1892(G) (show the source wording)
The source says“If you and this Company fail to agree as to the amount of loss, either party may demand that the amount of the loss be set by appraisal.”
Read it at the source (opens in a new tab) - Complaint to the Louisiana Department of Insurance. You can file a complaint against an insurer, agent or adjuster through the Department of Insurance's online complaint form.
Louisiana.gov Agency Directory, Insurance Consumer Complaint Form (show the source wording)
The source says“Report complaints against insurance agents, companies, adjusters or agencies with the Louisiana Department of Insurance.”
Read it at the source (opens in a new tab)
Also worth knowing
- Louisiana law describes a public adjuster's job as investigating, appraising or evaluating a claim and reporting to you. The definition does not mention negotiating or settling with the insurer.
La. R.S. 22:1692(8)(a) (show the source wording)
The source says“Investigating, appraising, or evaluating and reporting to an insured in relation to a first-party claim for which coverage is provided by an insurance contract that insures the property of the insured.”
Read it at the source (opens in a new tab) - A public adjuster cannot give legal advice, including advice about what your policy covers.
La. R.S. 22:1706(H)(7) (show the source wording)
The source says“A public adjuster shall not render legal advice to the insured, including but not limited to legal advice regarding the policy provisions or coverage issues.”
Read it at the source (opens in a new tab) - A public adjuster cannot also be your contractor or do repair or roofing work on a claim they handled.
La. R.S. 22:1706(H)(11) (show the source wording)
The source says“A public adjuster shall not act as a contractor or subcontractor nor provide any construction, roofing, or repair services to the insured in connection with an insurance claim the adjuster has processed.”
Read it at the source (opens in a new tab) - A public adjuster cannot take a contract or power of attorney that lets them pick who does your repairs.
La. R.S. 22:1706(H)(2) (show the source wording)
The source says“A public adjuster shall not enter into a contract or accept a power of attorney that vests in the public adjuster the authority to choose the persons who shall perform repair work.”
Read it at the source (opens in a new tab) - A public adjuster cannot agree to a settlement unless you know about it and consent in writing.
La. R.S. 22:1706(H)(9) (show the source wording)
The source says“A public adjuster may not agree to any loss settlement without the insured's knowledge and written consent.”
Read it at the source (opens in a new tab) - A public adjuster must carry a surety bond or letter of credit of at least $50,000.
La. R.S. 22:1701(A)(1)(a) (show the source wording)
The source says“Shall be in the minimum amount of fifty thousand dollars.”
Read it at the source (opens in a new tab) - Lawyers in good standing in Louisiana do not need a public adjuster license.
La. R.S. 22:1693(E)(1) (show the source wording)
The source says“An attorney at law admitted to practice and in good standing in this state.”
Read it at the source (opens in a new tab) - For a catastrophic loss to a home, the insurer must send payment within 60 days after satisfactory written proof of loss.
La. R.S. 22:1892.2(A)(2) (show the source wording)
The source says“an insurer shall transmit payment of the amount of any claim due to any insured within sixty days after receipt of satisfactory written proof of loss”
Read it at the source (opens in a new tab) - You can ask the insurer for its field adjuster's report on your property damage claim, and it must send a copy within 15 days.
La. R.S. 22:1892(A)(5) (show the source wording)
The source says“An insurer shall issue a copy of the insurer's field adjuster report, relative to the insured's property damage claim, to the insured within fifteen days of receiving a request for such from the insured.”
Read it at the source (opens in a new tab) - An insurer that misses the 30-day deadlines without good reason can owe a penalty of 50 percent of the amount due or $1,000, whichever is greater, plus attorney fees.
La. R.S. 22:1892(B)(1)(a) (show the source wording)
The source says“shall subject the insurer to a penalty, in addition to the amount of the loss, of fifty percent damages on the amount found to be due from the insurer to the insured”
Read it at the source (opens in a new tab) - The insurer cannot make you use its preferred contractor for repairs.
La. R.S. 22:1892(E)(1) (show the source wording)
The source says“An insurer shall not require that repairs, replacement, restoration, or remediation be made to an insured's property by a particular preferred vendor or recommended contractor”
Read it at the source (opens in a new tab) - A homeowner's claim payment is not a final settlement unless the insurer gives you a statement showing what was paid under each type of coverage.
La. R.S. 22:1895 (show the source wording)
The source says“No payment of a claim on a homeowner's insurance policy shall be considered a final settlement if the insurer fails to provide the insured with a statement that accurately reflects the amount paid under each category of coverage”
Read it at the source (opens in a new tab) - La. R.S. 22:1973, long cited as Louisiana's insurer bad-faith statute, has been repealed.
La. R.S. 22:1973 (show the source wording)
The source says“Repealed by Acts 2024, No. 3, §2, eff. July 1, 2024.”
Read it at the source (opens in a new tab) - A 2022 bill to change public adjuster fee rules (SB 186) never got a final House vote, so the ban on percentage fees was not changed.
Louisiana Legislature, 2022 Regular Session, SB 186 bill page (show the source wording)
The source says“Current Status: Subject to call - House final passage”
Read it at the source (opens in a new tab) - A 2026 bill on public adjusters (HB 600) is shown as still sitting in a House committee, so it is not law.
Louisiana Legislature, 2026 Regular Session, HB 600 bill page (show the source wording)
Recent federal disaster declarations in Louisiana
- Tropical Storm Arthur · Major disaster declared June 30, 2026 · 9 areas: Avoyelles, East Feliciana, Lafourche, Pointe Coupee, St. Charles, St. Landry, St. Tammany, Terrebonne and more
- Severe Winter Storm · Major disaster declared February 18, 2026 · 18 areas: Bienville, Caldwell, Catahoula, De Soto, East Carroll, Franklin, Jackson, Lincoln and more
- Severe Winter Storm · Emergency declared January 24, 2026 · 64 areas: Acadia, Allen, Ascension, Assumption, Avoyelles, Beauregard, Bienville, Bossier and more
Federal declarations from FEMA as of November 12, 2026. A state fee limit or deadline may depend on a state declaration instead; check the cited rule. All recent declarations.
Louisiana by the numbers
From 2016 to 2025 the National Weather Service logged 10,452 storm event reports in Louisiana, with property damage estimates totalling $37 billion, the 3rd highest of the 50 states and D.C. Hurricane and tropical storm accounted for the most reported damage.
$37B
reported storm damage, 2016 to 2025
37
major disaster declarations since 2000
$7.6B
home damage verified by FEMA since 2002
Common questions about Louisiana
Can I hire a public adjuster in Louisiana?
You can hire a licensed public adjuster in Louisiana, but the adjuster cannot charge a percentage of your claim or a fee that depends on what the insurer pays. Louisiana requires a public adjuster license from the Commissioner of Insurance. Working as a public adjuster without one is a crime.
How much can a public adjuster charge in Louisiana?
A Louisiana public adjuster may charge a reasonable fee, but not one that is a percentage of your claim or that depends on the payout. A contract with that kind of fee is void.
Can I cancel a public adjuster contract in Louisiana?
Yes. Louisiana law gives 3 business days to cancel. Cancel in writing, mailed or delivered to the adjuster at the address in the contract within the three business days. Anything of value you gave must be returned within 15 business days after the adjuster gets your notice.
How long does an insurance company have to handle a claim in Louisiana?
The insurer must start adjusting your property damage claim within 14 days after you report the loss. After a declared catastrophe it has 30 days, and the Commissioner can extend that. The insurer must make a written offer to settle your property damage claim within 30 days after it receives satisfactory proof of loss. The insurer must pay the amount due within 30 days after it receives satisfactory proof of loss. A written settlement must also be paid within 30 days.
Where do I complain about an insurer or a public adjuster in Louisiana?
Complaints go to the Louisiana Department of Insurance. Consumer line: 1-800-259-5300.
Sources
Every rule above was matched to the exact words below on November 10, 2026.
- La. R.S. 22:1693(A)
A person shall not act or hold himself out as a public adjuster in this state unless the person is licensed as a public adjuster in accordance with this Part.
- La. R.S. 22:1693(F)(1)
shall be guilty of the crime of the unauthorized practice of public adjusting and shall be subjected to a term of imprisonment at hard labor for not more than two years or fined not more than one thousand dollars, or both
- La. R.S. 22:1692(8)(a)
Investigating, appraising, or evaluating and reporting to an insured in relation to a first-party claim for which coverage is provided by an insurance contract that insures the property of the insured.
- La. R.S. 22:1703(A)
A public adjuster may charge the insured a reasonable fee.
- La. R.S. 22:1704(C)(2)
Be entitled only to reasonable compensation from the insured for services provided by the public adjuster on behalf of the insured, based on the time spent on a claim and expenses incurred by the public adjuster
- La. R.S. 22:1704(A)(11)
Full salary, fee, compensation, or other considerations the public adjuster is to receive for services.
- La. R.S. 22:1704(D)(1)
Allows the public adjuster's fee to be collected when money is due from an insurance company, but not paid, or that allows a public adjuster to collect the entire fee from the first check issued by an insurance company
- La. R.S. 22:1704(D)(3)
Imposes collection costs or late fees.
- La. R.S. 22:1706(D)
A public adjuster shall not have a direct or indirect financial interest in any aspect of the claim, other than the compensation established in the written contract with the insured.
- La. R.S. 22:1706(G)
A public adjuster shall not solicit or accept any compensation, direct or indirect, from, by, or on behalf of any contractor or subcontractor engaged by or on behalf of any insured
- La. R.S. 22:1704(A)
Public adjusters shall ensure that all contracts for their services are in writing and contain the following terms:
- La. R.S. 22:1704(A)(1)
Legible full name of the adjuster signing the contract, as specified in Department of Insurance records.
- La. R.S. 22:1704(A)(4)
Title of "Public Adjuster Contract".
- La. R.S. 22:1704(A)(7)
Description of services to be provided to the insured.
- La. R.S. 22:1704(A)(10)
Attestation language stating that the public adjuster has satisfied the financial responsibility requirements of state law.
- La. R.S. 22:1704(E)
Prior to the signing of the contract, the public adjuster shall provide the insured with a separate disclosure document regarding the claim process
- La. R.S. 22:1704(H)
The insured has the right to rescind the contract within three business days after the date the contract was signed.
- La. R.S. 22:1704(I)
any thing of value given by the insured under the contract will be returned to the insured within fifteen business days following the receipt by the public adjuster of the cancellation notice
- La. R.S. 22:1704(F)
The contracts shall be executed in duplicate to provide an original contract to the public adjuster and an original contract to the insured.
- La. R.S. 22:1704(D)(4)
Precludes the insured from pursuing civil or judicial remedies.
- La. R.S. 22:1704(G)
Delivery of this letter shall not prohibit or impede the right of the insured to communicate directly with the insurer.
- La. R.S. 22:1706(B)
A public adjuster shall not solicit, or attempt to solicit, an insured during the progress of a loss-producing occurrence, as defined in the insured's insurance contract.
- La. R.S. 22:1693(B)
A person licensed as a public adjuster shall not misrepresent to a claimant that he is an adjuster representing an insurer in any capacity
- La. R.S. 22:1706(F)
the public adjuster is prohibited from collecting any fee, compensation, or thing of value for such referral
- La. R.S. 22:1693(C)
Only persons licensed under this Part shall directly or indirectly solicit business, investigate or adjust losses for another person engaged in the business of adjusting losses or damages covered by an insurance policy, for the insured.
- La. R.S. 22:1892(A)(3)
the insurer shall initiate loss adjustment of a property damage claim and of a claim for reasonable medical expenses within fourteen days after notification of loss by the claimant
- La. R.S. 22:1892(B)(1)(a)
failure to make a written offer to settle any property damage claim, including a third-party claim, within thirty days after receipt of satisfactory proofs of loss of that claim
- La. R.S. 22:1892(A)(1)
shall pay the amount of any claim due any insured within thirty days after receipt of satisfactory proofs of loss from the insured or any party in interest
- La. R.S. 22:1311
within sixty days after loss, unless such time is extended in writing by this Company, the insured shall render to this Company a proof of loss, signed and sworn to by the insured
- La. R.S. 22:1264(A)
The time limit for the submission of proof of loss shall be not less than one hundred eighty days.
- La. R.S. 22:868(B)
limiting right of action against the insurer to a period of less than twenty-four months next after the inception of the loss when the claim is a first-party claim
- La. R.S. 22:1892.2(C)(1)
the insurer shall be given sixty days' written notice of the violation by the insured or his representative
- La. R.S. 22:1892(B)(7)
Claims for penalties and attorney fees pursuant to this Subsection are subject to a liberative prescriptive period of two years.
- La. R.S. 22:1264(B)
shall be entitled to complete repairs to the property within one year from the date of the loss or the issuance of applicable insurance proceeds, whichever is later
- La. R.S. 22:2653(A)
Every insured may request mediation involving a residential property insurance claim for property damage that involves disputed amounts up to one hundred fifty thousand dollars
- La. R.S. 22:2655(1)
The insurer shall bear the reasonable costs necessary to conducting mediation conferences
- La. R.S. 22:2655(12)
Mediation is voluntary and nonbinding. If a written settlement is reached, the insured shall have three business days within which to rescind the settlement
- La. R.S. 22:1892(G)
If you and this Company fail to agree as to the amount of loss, either party may demand that the amount of the loss be set by appraisal.
- Louisiana.gov Agency Directory, Insurance Consumer Complaint Form
Report complaints against insurance agents, companies, adjusters or agencies with the Louisiana Department of Insurance.
- La. R.S. 22:1706(H)(7)
A public adjuster shall not render legal advice to the insured, including but not limited to legal advice regarding the policy provisions or coverage issues.
- La. R.S. 22:1706(H)(11)
A public adjuster shall not act as a contractor or subcontractor nor provide any construction, roofing, or repair services to the insured in connection with an insurance claim the adjuster has processed.
- La. R.S. 22:1706(H)(2)
A public adjuster shall not enter into a contract or accept a power of attorney that vests in the public adjuster the authority to choose the persons who shall perform repair work.
- La. R.S. 22:1706(H)(9)
A public adjuster may not agree to any loss settlement without the insured's knowledge and written consent.
- La. R.S. 22:1701(A)(1)(a)
Shall be in the minimum amount of fifty thousand dollars.
- La. R.S. 22:1693(E)(1)
An attorney at law admitted to practice and in good standing in this state.
- La. R.S. 22:1892.2(A)(2)
an insurer shall transmit payment of the amount of any claim due to any insured within sixty days after receipt of satisfactory written proof of loss
- La. R.S. 22:1892(A)(5)
An insurer shall issue a copy of the insurer's field adjuster report, relative to the insured's property damage claim, to the insured within fifteen days of receiving a request for such from the insured.
- La. R.S. 22:1892(E)(1)
An insurer shall not require that repairs, replacement, restoration, or remediation be made to an insured's property by a particular preferred vendor or recommended contractor
- La. R.S. 22:1895
No payment of a claim on a homeowner's insurance policy shall be considered a final settlement if the insurer fails to provide the insured with a statement that accurately reflects the amount paid under each category of coverage
- La. R.S. 22:1973
Repealed by Acts 2024, No. 3, §2, eff. July 1, 2024.
- Louisiana Legislature, 2022 Regular Session, SB 186 bill page
Current Status: Subject to call - House final passage
- Louisiana Legislature, 2026 Regular Session, HB 600 bill page
Current Status: Pending House Insurance
What we looked for and could not confirm
We leave a rule off the page when we cannot match it to a primary source. These are still open:
- The Louisiana Department of Insurance site (ldi.la.gov) refused automated requests with HTTP 403, so I could not open its live pages. The regulator URL, license search URL, complaint form URL and the 800.259.5300 number were taken from the official state portal's agency directory at louisiana.gov. An Internet Archive copy of the LDI search page (captured Nov. 14, 2025) shows 'Consumer Hotline: 1-800-259-5300' and the heading 'Search for Agents, Adjusters, Agencies, Appraisers and Umpires'.
- A license lookup exists (the Producer / Adjuster Search), but I could not confirm that it lets you filter for or clearly labels public adjusters, because the live search form would not load.
- La. R.S. 22:1892 gives its deadlines in 'days' without saying calendar or business. The JSON lists calendar days based on the general counting rule in La. Code Civ. Proc. art. 5059; I did not check case law on this.
- La. R.S. 22:868(B) applies its 24-month floor to the kinds of insurance listed in R.S. 22:47(6), (10), (11), (12), (13), (15) and (19). I did not open R.S. 22:47 to confirm which policy types those are.
- La. R.S. 22:1704(D)(1) refers to collecting the fee 'as a percentage of each check', which sits oddly beside the ban on percentage fees in R.S. 22:1703(A). Both are quoted from the current text; I found no official explanation of how they fit together.
- The history note on R.S. 22:1706 shows it was amended by Acts 2025, No. 144 (HB 121, effective Aug. 1, 2025). I used the current text and did not compare it with the earlier version.
- I found no rule in La. R.S. 22:1691-1708 limiting the hours when public adjusters may solicit or setting a waiting period after a loss, other than the ban on soliciting during the loss event. Department of Insurance regulations under R.S. 22:1708 were not reviewed.
- Department of Insurance regulations, bulletins and emergency rules (including Regulation 127 on the Hurricane Mediation Program and any rule extending claim deadlines after a specific storm) were not reviewed.
- I did not find a Department of Insurance page for the Hurricane Mediation Program that I could open, so its URL is null.
- The 2026 HB 600 bill page shows 'Pending House Insurance'. I did not read the bill text or confirm the 2026 session's adjournment date.