LA HB831

Prohibits knowingly charging higher prices for products or services in property damage claims solely because an insurer is paying, classifying such conduct as insurance fraud subject to civil penalties and license suspension or revocation

Requires insurers using pricing databases or estimating software to apply those tools consistently when adjusting claims; selectively using lower alternative pricing sources without documented market justification constitutes an unfair or deceptive practice when done as a general business practice

Exempts pricing established through written contracts with insurers (preferred vendor programs, managed repair networks) and price adjustments based on verifiable differences in scope, materials, or labor

Applies to licensed contractors and subcontractors, making violations grounds for disciplinary action by the State Licensing Board for Contractors including fines, suspension, or license revocation

Does not create a private right of action; enforcement is limited to administrative action by the Commissioner of Insurance and the State Licensing Board for Contractors