INSURANCE CLAIMS: Provides that alteration of a repair estimate without notification to the author of the estimate, supplement, or revision is a fraudulent insurance act. (8/1/25)
SB 34 prohibits insurance companies or adjusters from changing a repair estimate without first notifying the person who created the original estimate, any supplemental estimate, or a revision. This applies directly to insurers and their adjusters who handle property damage claims. The bill defines such unnotified alterations as a fraudulent insurance act, requiring clear communication before any changes are made to repair cost calculations. This policy change aims to prevent hidden modifications that could disadvantage policyholders.
Bill status
signed
all 5 stages cleared
Introduction
Mar 2025
Committee Review
May 2025
Senate Passage
Jun 2025
House Passage
Jun 2025
Signed into Law
Jun 2025
Introduced Mar 31, 2025
Signed Jun 20, 2025
Maddy AI version diff · 5 comparisons
What changed between versions
Senate Floor Bureau Note, #1589, Luneau, Adopted
→
SB34 Act 406
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3 edits
MINOR
This bill updates the legal definition of a 'fraudulent insurance act' to explicitly include the unauthorized alteration of repair estimates by insurance adjusters or appraisers. The change clarifies that modifying an original estimate or a revision without the adjuster's documented permission constitutes fraud, aiming to prevent unauthorized changes that could inflate repair costs or misrepresent damage.
Scope change
The bill expands the scope of prohibited fraudulent activities within the insurance code to specifically cover unauthorized modifications to repair estimates.
DEFINITION
Added specific language to R.S. 22:1923(2)(q) stating that amending or altering an original adjuster's or appraiser's repair estimate without documented permission is a fraudulent insurance act.
REQUIREMENT
Established a requirement that any changes to repair estimates must be documented in the claim file or notified to the insurance issuer.
TIMELINE
Set the effective date of the new provisions to July 1, 2026.
Floor votes · Senate May 12, 2025 · House Jun 3, 2025
How they voted
37–0
Passed
Total votes 37
May 12, 2025
D
Democratic11
100% Yea
R
Republican26
100% Yea
Vote distribution
All Yea
All Nay
Mixed
No data
Full legislative history
Actions timeline
Total actions
19
Key actions
5
Committee
4
Amendments
1
Jun 9, 2025
Upper · Passed
Amendments proposed by the House read and concurred in by a vote of 37 yeas and 0 nays.
upper
Jun 3, 2025
Lower · Passed
Read third time by title, roll called on final passage, yeas 92, nays 0. Finally passed, ordered to the Senate.
lower
May 29, 2025
Introduced
Reported without Legislative Bureau amendments.
lower
May 28, 2025
Lower · Passed
Reported with amendments (10-0). Referred to the Legislative Bureau.
lower
May 14, 2025
Committee
Read by title, under the rules, referred to the Committee on Insurance.
lower
May 12, 2025
Upper · Passed
Senate floor amendments read and adopted. Read by title and passed by a vote of 39 yeas and 0 nays; ordered reengrossed and sent to the House. Motion to reconsider tabled.
upper
May 7, 2025
Upper · Passed
Reported with amendments.
upper
Apr 14, 2025
Committee
Introduced in the Senate; read by title. Rules suspended. Read second time and referred to the Committee on Insurance.
upper
1 primary · 1 co-sponsor
Sponsors
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