INSURANCE: Provides relative to certain insurer contractual payments and prescriptive period
This bill requires insurance contracts in Louisiana to include a minimum prescriptive period of 24 months for first-party claims and one year for other claims, preventing insurers from limiting the time policyholders have to file lawsuits. It also clarifies that making a payment under an insurance contract does not reset or extend the deadline for filing a claim. The law applies to insurance policies covering residents or property located in Louisiana, including health and accident policies for state residents.
Bill status
signed
all 5 stages cleared
Introduction
Mar 2026
Committee Review
May 2026
House Passage
Apr 2026
Senate Passage
May 2026
Signed into Law
Jun 2026
Introduced Mar 31, 2026
Signed Jun 9, 2026
Maddy AI version diff · 3 comparisons
What changed between versions
HB1117 Original
→
HB1117 Act 876
·
3 edits
MINOR
This bill amends the law governing insurance contracts to clarify that an insurer's payment does not extend the legal deadline (prescription) for a claimant to sue. It also adds a specific requirement for homeowners' insurance companies to provide written notice to claimants when making unconditional payments, ensuring claimants understand their right to pursue further legal action if necessary.
Scope change
The bill expands the scope of the law by adding a new mandatory notification requirement specifically for homeowners' policies (dwelling and other structures coverage) while retaining existing protections for other insurance types.
REQUIREMENT
Insurers issuing unconditional payments on homeowners' claims must now provide written notice to the claimant stating that the payment does not interrupt or extend the legal deadline for filing a lawsuit.
DEFINITION
Clarified that an insurer's payment under a contract is not considered an acknowledgment of debt and does not extend the contractually defined prescriptive period.
TIMELINE
Changed the effective date for the new notification requirement to January 1, 2027, while the clarification on payments remains effective upon the bill's signature or approval.
Floor votes · Senate May 12, 2026 · House Apr 21, 2026
How they voted
36–0
Passed · 4 other
Total votes 40
May 12, 2026
D
Democratic12
75% Yea
R
Republican28
96% Yea
Vote distribution
All Yea
All Nay
Mixed
No data
Full legislative history
Actions timeline
Total actions
31
Key actions
11
Committee
11
May 31, 2026
Upper · Passed
Conference Committee Report read; adopted by a vote of 35 yeas and 0 nays.
upper
May 31, 2026
Upper · Passed
Notice House adopted the Conference Committee Report.
upper
May 31, 2026
Lower · Passed
Conference Committee Report read, roll called, yeas 91, nays 0. The Conference Committee Report was adopted.
lower
May 28, 2026
Upper · Passed
Conference committee report received.
upper
May 28, 2026
Lower · Passed
Conference Committee report received. Lies over under the rules.
lower
May 25, 2026
Upper · Passed
Notice House Conference Committee members appointed.
upper
May 25, 2026
Upper · Passed
Senate conference committee members appointed: Seabaugh, Bass, and Duplessis.
upper
May 12, 2026
Upper · Passed
Rules suspended. Senate floor amendments read and adopted. Read by title, passed by a vote of 35 yeas and 0 nays, and ordered returned to the House. Motion to reconsider tabled.
upper
Apr 29, 2026
Committee
Committee amendments read and adopted. Read by title and referred to the Legislative Bureau.
upper
Apr 28, 2026
Upper · Passed
Reported with amendments.
upper
Apr 21, 2026
Lower · Passed
Read third time by title, roll called on final passage, yeas 95, nays 3. Finally passed, title adopted, ordered to the Senate.
lower
Apr 14, 2026
Lower · Passed
Reported favorably (10-0).
lower
Apr 1, 2026
Committee
Read by title, under the rules, referred to the Committee on Insurance.
lower
1 primary · 0 co-sponsors
Sponsors
Role
Legislator
Party
State
District
P
Gabe Firment
RRepublican
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