Short answer: In Louisiana, insurers must accept or deny a claim within 30 days after satisfactory proof of loss and pay within 30 days after satisfactory proof of loss. The rules don't set a fixed number of days for acknowledging. If an insurer misses its deadlines, you can complain to the Louisiana Department of Insurance.
The deadlines
| Step | Deadline |
|---|---|
| Acknowledge your claim | No fixed acknowledgment deadline. Loss adjustment must start within 14 days after notice (30 days after a catastrophic loss) |
| Accept or deny | 30 days after satisfactory proof of loss (written offer to settle) |
| Pay | 30 days after satisfactory proof of loss |
Sources: La. R.S. 22:1892.
Details
- You can ask for a copy of the field adjuster's report, and the insurer must provide it within 15 days of your request.
- After a declared disaster, the commissioner can extend the time to start loss adjustment.
How to use these deadlines
- Report your claim in writing and keep proof of the date.
- Send your proof of loss and requested documents promptly, because many deadlines start only when the insurer has them.
- Keep a log of every call and letter.
- If deadlines pass, ask the adjuster in writing for a status update. If nothing changes, file a complaint with the Louisiana Department of Insurance.
Compare other states in our claim deadlines by state table.
Questions? Contact Alishahi Insurance or call (877) 711-4545. Vea insurance in Louisiana.
Frequently asked questions
How long does an insurer have to acknowledge a claim in Louisiana?
No fixed acknowledgment deadline. Loss adjustment must start within 14 days after notice (30 days after a catastrophic loss).
How long to accept or deny a claim in Louisiana?
30 days after satisfactory proof of loss (written offer to settle).
How long to pay a claim in Louisiana?
30 days after satisfactory proof of loss.
Alishahi Insurance · 439 N Canon Dr, Penthouse, Beverly Hills, CA 90210 · (877) 711-4545 · CA License #4348151. General information only. This isn't legal, tax or financial advice or a coverage determination. Coverage depends on policy language and underwriting, and rules vary by state.