INSURANCE/PROPERTY: Prohibits certain pricing practices in property damage claims (OR INCREASE OF EX See Note)

HB 831 prohibits contractors and insurers from charging different prices for similar property repair work based solely on whether an insurer will cover the cost. It bans price discrimination where higher fees are set because insurers pay part of the bill, while allowing exceptions for pre-negotiated preferred vendor programs. Insurers must consistently apply pricing databases for claims, avoiding selective use of lower rates without documented justification. Violations can lead to fines, license suspension, or revocation for contractors and insurers under Louisiana insurance law. The bill applies only to property damage claims, excluding auto and health insurance.