Insurance Claim Denied in Louisiana? What Insurers Must Do Under La. R.S. § 22:1892 & § 22:1973 (Good Faith Duty)

4 Things Insurance Companies Are Legally Required to Do in Louisiana (When You Clearly Prove Your Claim)

• 1. Cite the Exact Policy Provision in Writing: Under La. R.S. § 22:1892 & § 22:1973 (Good Faith Duty), an adjuster cannot deny your claim with a vague excuse ("normal wear and tear" or "not covered"). They are required by law to provide a written denial specifying the exact policy exclusion and factual basis.
• 2. Obey the Mandatory Statutory Clock (30 Days After Satisfactory Proof of Loss to Pay (La. R.S. § 22:1892)): Insurers cannot use endless "under review" delays to starve you into accepting a lowball offer. Missing statutory investigation deadlines after you submit a Sworn Proof of Loss is direct evidence of unfair claim settlement practices.
• 3. Never Lowball When Liability & Damages Are Reasonably Clear: Failing to attempt in good faith to effectuate a prompt, fair, and equitable settlement once your independent contractor estimates, moisture logs, OBD2 scans, or dashcam video prove liability violates Louisiana law.
• 4. Pay Statutory Penalties & Attorney's Fees for Bad Faith (50% Statutory Penalty on Unpaid Amount + Mandatory Attorney's Fees & Costs!): When you build an unarguable paper trail via Certified Mail Return Receipt and preserve every inspection in a Fireproof Exhibit Binder, Louisiana law provides powerful statutory leverage to recover your full benefit plus statutory penalties or fees.