HB 121: INSURANCE: Provides prohibitions relative to public adjusters and home improvement contractors - Louisiana

Senate Floor Bureau Note, #1973, Talbot, Adopted → HB121 Act · 3 edits

MINOR

This bill updates Louisiana laws regarding public adjusters and home improvement contractors to prevent conflicts of interest and deceptive practices. It explicitly prohibits public adjusters from performing construction or repair work on the claims they process and bans contractors from advertising as insurance claims specialists or policy interpreters. These changes aim to protect consumers by ensuring clear separation between claims assessment and repair services, thereby reducing potential fraud and ensuring fair estimates.

Scope change

The bill expands the scope of prohibited acts for home improvement contractors to include specific advertising restrictions and clarifies the conflict of interest rules for public adjusters.

REQUIREMENT

Added a specific prohibition requiring public adjusters to refrain from acting as contractors or providing construction/repair services for the claims they process.

Added prohibitions against home improvement contractors advertising or soliciting business as insurance claims specialists or policy interpretation services.

Updated existing statutes to clarify that contractors violate the law if any compensated employee or agent violates the prohibition on providing agreements without good faith estimates.

HB121 Original → Senate Floor Bureau Note, #1973, Talbot, Adopted · 2 edits

MINOR

The Senate amended the bill to streamline the list of statutes being modified by removing references to R.S. 22:1693(G) from the text, while retaining the core policy of prohibiting public adjusters and home improvement contractors from providing claims handling services or acting as contractors on claims they process. This change simplifies the legislative language without altering the substantive prohibitions against conflicts of interest in insurance claims.

Scope change

The scope of the bill's text references was narrowed by removing a specific statute citation, but the scope of the prohibited conduct for public adjusters and contractors remains unchanged.

TECHNICAL

Removed references to R.S. 22:1693(G) from the sections amending and enacting specific statutes, consolidating the focus on R.S. 22:1706(H) and R.S. 37:2159.2.

Deleted the entire text of the original bill's operative sections (lines 10-16) and replaced them with a Senate Floor Note indicating the amendments adopted.

HB121 Enrolled → HB121 Original · 3 edits

MINOR

This bill updates Louisiana laws to clarify that public adjusters cannot act as contractors or perform construction services on claims they process. It also adds new rules preventing home improvement contractors from offering insurance claims handling services before a claim is officially filed. These changes aim to prevent conflicts of interest and ensure fair treatment for policyholders.

Scope change

The bill expands the scope of prohibited conduct to explicitly include home improvement contractors and clarifies the separation between public adjusting and contracting roles.

REQUIREMENT

Added a prohibition requiring public adjusters to refrain from acting as contractors or providing construction, roofing, or repair services for claims they have processed.

Added a prohibition preventing home improvement contractors from advertising, soliciting, or providing insurance claims handling or policy interpretation services to an insured before the insured initiates an insurance claim.

Modified the list of prohibited acts for home improvement contractors to include specific restrictions on offering claims handling services prior to claim initiation, replacing previous general prohibitions.

HB121 Reengrossed → HB121 Enrolled · 3 edits · Jun 8, 2025

MINOR

This bill transitions from a draft version to its final enrolled form, making it ready for the Governor's signature. The substantive legal content regarding prohibitions on public adjusters and home improvement contractors remains unchanged, but the document now includes official signatures from the House Speaker, Senate President, and Governor.

TECHNICAL

The document header was updated from 'REENGROSSED' to 'ENROLLED' to indicate the bill has passed all legislative stages and is in its final form.

Signatures and approval lines for the Speaker of the House, President of the Senate, and Governor were added to certify the bill's final passage.

The legislative digest and summary of amendments, which explain the bill's purpose but are not part of the actual law, were removed as they are not needed in the final enrolled version.

HB121 Engrossed → HB121 Reengrossed · 2 edits · May 27, 2025

MINOR

The bill was reengrossed to correct a citation error in the statute number (changing 37:2159.2 to 37:2159.1) and to update the legislative summary to reflect that the new prohibitions apply to the corrected section. No substantive policy changes, such as new rules or penalties, were introduced in this version.

TECHNICAL

Corrected the citation of the home improvement contracting statute from R.S. 37:2159.2 to R.S. 37:2159.1 to match the actual section being amended.

Updated the bill's summary and digest to accurately describe the changes made to R.S. 37:2159.1 instead of the previously cited 37:2159.2.

INSURANCE: Provides prohibitions relative to public adjusters and home improvement contractors

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