Louisiana Bill Establishes Presumption of Civil Authority Coverage

Louisiana Bill Establishes Presumption of Civil Authority Coverage 

On June 15, 2022, the Louisiana State Legislature enacted House Bill 83 (Act 434) related to homeowners' insurance policies and loss of use benefits.

Specifically, House Bill 83:

  • Provides certain conditions that, if satisfied, will require civil authority prohibited use coverage to be afforded to the insured; and
  • Provides that insurers shall interpret all actions of a civil authority without regard as to whether formal orders of evacuation were issued.

The Act becomes effective on January 1, 2023.

 

Link to House Bill 83 (Act 434)