LA HB1210

Requires homeowners with residential property insurance disputes arising from catastrophic losses (presidentially or gubernatorially declared disasters) to complete a mandatory pre-suit review process through the Department of Insurance before filing any lawsuit

Claimants must submit a notice of dispute with proof of loss and supporting documentation; insurers must respond within 15 days with their claim determination or face fines of $500 per day

Department assigns a single independent reviewer for claims between $25,000 and $100,000, or a three-person panel for claims over $100,000, to evaluate bad faith allegations and issue a written determination within 30 days

Review panel determinations are admissible as evidence in subsequent litigation but are not binding and do not create a presumption of liability for either party

Exempts claims under $25,000 and emergency actions requiring immediate judicial relief; suspends the prescriptive period while the review process is pending; effective January 1, 2027