HB 345 Louisiana House · 2025 Regular Session

INSURANCE/PROPERTY: Provides for notices relative to residential property insurance

HB 345 changes the deadline for residential property insurers to provide certain notices to homeowners, specifically shifting the required notice date from January to July. This directly affects homeowners receiving insurance notices and insurers who must comply with the timing requirement. The bill amends a provision in the current law to delay the notice deadline by six months, aiming to align with seasonal insurance renewal cycles. The change was approved by the Insurance Committee and passed to third reading in April 2025. No other substantive policy changes are described in the provided text.

Bill status signed all 5 stages cleared

Introduction

Apr 2025

Committee Review

May 2025

House Passage

Jun 2025

Senate Passage

May 2025

Signed into Law

Jun 2025

Introduced Apr 3, 2025 Signed Jun 8, 2025

Maddy AI version diff · 3 comparisons

What changed between versions

HB345 Original → HB345 Act · 7 edits

MODERATE

This bill increases the required notice period for insurers to cancel or nonrenew residential property insurance policies from 30 days to 45 days, providing homeowners with more time to find alternative coverage. It also clarifies that policies with terms longer than one year are treated as annual periods for notice purposes and establishes specific rules for cancellations due to nonpayment of premiums.

REQUIREMENT

Extended the mandatory notice period for cancellation or nonrenewal of residential property insurance from 30 days to 45 days prior to the effective date.

Changed the notice period for nonpayment of premium cancellations from 30 days to 10 days.

Added a requirement that insurers must include the specific reason for cancellation or nonrenewal in the notice.

Established a new provision allowing policyholders to request the reason for cancellation in writing if it was not included in the initial notice.

Clarified that policies written for terms longer than one year are treated as successive one-year periods for notice purposes.

DEFINITION

Added a definition for 'renewal' to clarify that it includes the issuance of a policy replacing a previous one or extending a policy term.

TIMELINE

Set the effective date of the Act to January 1, 2026.

Floor votes · Senate May 28, 2025 · House Apr 29, 2025

How they voted

36–0

Passed · 1 other

Total votes 37

May 28, 2025

D Democratic11

11 Yea

100% Yea

R Republican26

25 Yea 1

96% Yea

Vote distribution

All Yea All Nay Mixed No data

Full legislative history

Actions timeline

Total actions

Key actions

Committee

Jun 3, 2025

Lower · Passed

Read by title, roll called, yeas 101, nays 0, Senate amendments concurred in.

lower

May 28, 2025

Upper · Passed

Senate floor amendments read and adopted. Read by title, passed by a vote of 38 yeas and 0 nays, and ordered returned to the House. Motion to reconsider tabled.

upper

May 8, 2025

Committee

Read by title and referred to the Legislative Bureau.

upper

May 7, 2025

Upper · Passed

Reported favorably.

upper

Apr 29, 2025

Lower · Passed

Read third time by title, roll called on final passage, yeas 96, nays 0. Finally passed, title adopted, ordered to the Senate.

lower

Apr 23, 2025

Lower · Passed

Reported with amendments (14-0).

lower

Apr 14, 2025

Committee

Read by title, under the rules, referred to the Committee on Insurance.

lower

Apr 3, 2025

Committee

Under the rules, provisionally referred to the Committee on Insurance.

lower

1 primary · 4 co-sponsors