Louisiana: claim deadlines
How quickly an insurer must acknowledge your claim, decide it, and pay once it agrees.
Checked on official source| Time to acknowledge your claim | 14 days to start adjusting (30 days for catastrophic losses) |
|---|---|
| Time to accept or deny | Written offer within 30 days of proof of loss |
| Time to pay | 30 days (60 residential / 90 commercial for catastrophic losses) |
| Rule | La. R.S. 22:1892, 22:1892.2 |
General information only, not legal, insurance or financial advice. Not affiliated with any government agency. Exceptions can apply. Confirm with the state agency, the court or a licensed professional in Louisiana.
Also for Louisiana: Car insurance by state in Louisiana · Malpractice rules in Louisiana · Small claims limits in Louisiana
How we checked this
Florida and Louisiana were confirmed on state sources after their 2023 and 2024 changes; California, Texas and Georgia match current law-firm summaries. Other states come from a 50-state survey of claim rules and are marked for review. Last checked: November 12, 2026. Laws change; confirm with the state agency or a licensed professional before acting.
Cross-checked sources agree Checked on official source confirmed on a government, court or legislature site From a statute-cited table one detailed source Under review sources disagree; read the note and the law.