Louisiana RS 22:1892: Your Roof Insurance Rights
Louisiana Revised Statute 22:1892 sets the deadlines and duties your insurer must follow when it handles a property claim, including a roof claim. Knowing them helps you keep a claim on track. Acadiana Roof Restoration provides documented inspections you can use with your carrier. This page is general information, not legal advice. The full statute text is on the Louisiana Legislature's website at legis.la.gov.
Key Deadlines Under RS 22:1892
- Starting the claim: your insurer must begin adjusting a property damage claim within 14 days after you notify it of the loss. After a catastrophic loss, meaning a presidentially or gubernatorially declared emergency or disaster, the limit is 30 days, and the Commissioner of Insurance can extend it.
- Paying the claim: your insurer must pay any amount due within 30 days after it receives satisfactory proof of loss. For a catastrophic loss on residential property, RS 22:1892.2 allows 60 days.
- Settlement offer: your insurer must make a written offer to settle a property damage claim within the applicable period after it receives satisfactory proof of loss.
- Adjuster report: your insurer must give you a copy of its field adjuster's report within 15 days after you ask for it.
Your policy also sets its own requirements for reporting damage, so report it promptly and keep a record of when you did.
You Choose Your Contractor
Under RS 22:1892(E), your insurer cannot require you to use a particular preferred vendor or contractor for repairs. If it recommends one, it must tell you that you are under no obligation to use it. When a general contractor's services are reasonably foreseeable, RS 22:1892(F) requires the insurer to include general contractor overhead and profit in the payment.
If You Disagree on the Amount
Louisiana requires residential property policies to include an appraisal clause. If you and your insurer cannot agree on the amount of the loss, either side can demand appraisal in writing. Each side names an appraiser within 20 days, and an impartial umpire settles any differences the appraisers cannot resolve.
What This Means for Roof Claims
After a storm, document everything before repairs are made: date-stamped photos, the storm date, and an independent inspection. A documented roof inspection gives you an objective record to compare against the adjuster's findings. Check your policy for your duty to protect the property from further damage, and keep receipts for any temporary repairs.
Non-Renewal Notices Fall Under a Different Law
Non-renewal of a homeowners policy is governed by RS 22:1335, not RS 22:1892. Since July 1, 2026, under Act 182 of 2025, your insurer must mail or deliver a non-renewal notice at least 60 days before your policy expires and must state the reason. If the notice is sent late, your coverage stays in effect until 60 days after the notice was mailed or delivered.
Many carriers non-renew over roof age even when the shingles are still sound. A documented inspection can show your roof's actual condition, and a Roof Maxx treatment can add years of life at approximately 20 to 25 percent of the total cost of a replacement, including all prep work.
How ARR Helps
Our owner, Jason Lopez, personally inspects roofs and provides a written, dated, photo-documented report. We provide documentation-grade assessments. We are veteran-owned, BBB A+ rated, FORTIFIED certified, and Louisiana's first 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.