Louisiana RS 22:1892: Your Roof Insurance Rights

Louisiana Revised Statute 22:1892 governs how insurers must handle claims and non-renewals in Louisiana. Understanding your rights under this statute can help you navigate a roof insurance claim or a non-renewal notice. Acadiana Roof Restoration provides documented inspections you can use with your carrier.

Key Provisions of RS 22:1892

The statute requires insurance companies to acknowledge receipt of a claim within 14 days and to accept or deny it within 30 days of receiving proof of loss. Your policy may have its own reporting deadlines, so check your declarations page and report damage promptly. The statute also governs non-renewal notice periods, which as of July 2026 were doubled to 60 days in Louisiana.

What This Means for Roof Claims

After a storm, document everything before any repairs are made. Date-stamped photos, the storm date, and an independent NRCIA Forensic Roof Inspector's documentation give you an objective record to compare against the adjuster's findings. Do not let any roofing contractor begin work before your insurance adjuster has inspected the damage, or you may forfeit your right to a full claim.

Non-Renewal Over Roof Age

Many Louisiana carriers non-renew policies when a roof passes roughly 15 to 20 years, even when the shingles are still sound. If you receive a non-renewal notice, you now have 60 days to act. A documented inspection from a certified contractor can help you demonstrate your roof's actual condition, and a Roof Maxx treatment can add years of life at a fraction of replacement cost.

How ARR Helps

Jason Lopez is an NRCIA Forensic Roof Inspector, trained to document roof damage to the HAAG Engineering standard used by insurance companies. We provide documentation-grade assessments that carry the evidentiary weight your insurer recognizes. We are veteran-owned, BBB A+ rated, FORTIFIED certified, and Louisiana's only 5-Star Roof Maxx dealer.

Contact Us

Call Acadiana Roof Restoration at 337-999-ROOF (337-999-7663) in Lafayette or 225-385-ROOF (225-385-7663) in Baton Rouge.