The civic record
Read. Follow. Verify.Louisiana House Bill 408 bars residential property insurance nonrenewals when owners timely mitigate risk
Last action · March 9, 2026: Read by title, under the rules, referred to the Committee on Insurance.Sponsor: Edmond Jordan
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What This Bill Proposed
Insurers are prohibited from refusing to renew residential property insurance policies if homeowners resolve the stated risk factors within 90 days of receiving a notice. The measure also bars insurers from raising rates or premiums based on those mitigated risk factors and mandates written notice of nonrenewal reasons.
Residential property owners gain statutory protection against policy cancellation and subsequent rate hikes if they correct cited property deficiencies within a 90-day window following an insurer's notice.
Who It Would Have Affected
Groups the bill's text would have affected, as described in the record. Being affected is not a position for or against it.
Homeowners
Residential policyholders gain the legal right to maintain coverage and avoid rate hikes by correcting cited property issues within 90 days.
Insurers
Insurance providers are restricted from nonrenewing policies or increasing rates when policyholders timely resolve stated property risks.
Key Facts
You don't have to trust us. Each fact below is taken straight from the official document - click any one to see the exact passage, highlighted in the original.
Frequently Asked Questions
How long does a homeowner have to fix a cited risk after receiving a nonrenewal notice?
Can an insurer raise my premium if I successfully fix the risk issue they pointed out?
What methods can an insurer use to deliver the written notice of nonrenewal?
What else do you want to know?
News Coverage
Follow the record
Votes, people, money & the original sourceWhere This Stands
This bill did not become law - Died at adjournment · in House committee.
Procedural history
4 actions- Mar 9, 2026HouseIntroducedRead by title, under the rules, referred to the Committee on Insurance.
- Feb 27, 2026HouseFirst appeared in the Interim Calendar on 2/27/2026.
- Feb 25, 2026HousePrefiled.
- Feb 25, 2026HouseCommitteeUnder the rules, provisionally referred to the Committee on Insurance.
Version history
Only one version on file - nothing to compare yet. As later stages (committee substitute, engrossed, enrolled) are captured, the redline appears here.
View official text →Lobbying Activity
No state lobbying filings in our records match this bill. Federal lobbying reports (LDA) cover Congress, so they are not listed on state bills.
Full breakdown
Who this bill affects and the strongest case for and against it, written only from the bill’s own text.
Sponsors
Connected Entities
Sources
www.legis.la.gov
Analysis Score
0–100- Significance20Lowered because this bill did not pass (its text scored 65)
- Controversy45Intensity of disagreement among stakeholders
- Entertainment5Compellingness for a non-policy-wonk reader
- Buzz30Current news / social attention level
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