reglab/housing_qa huggingface dataset:
LA Rev Stat § 22:1337 (2021)
2021 Louisiana Laws|Revised Statutes|Title 22 - Insurance|§1337. Homeowners' insurance deductibles applied to named-storms, hurricanes, and wind and hail deductibles

RS 1337 - Homeowners' insurance deductibles applied to named-storms, hurricanes, and wind and hail deductibles A. For purposes of this Section, the following definitions shall apply: (1) "Hurricane" means a storm system that has been declared a hurricane by the National Hurricane Center of the National Weather Service. (2) "Named storm" means a storm system that has been declared a named storm by the National Hurricane Center of the National Weather Service. (3) "Separate deductible" means a deductible that applies to damage incurred during a specified weather event and may be expressed as a percentage of the insured value of the property or as a specific dollar amount and includes hurricane, named-storm, and wind and hail deductibles. B. For all homeowners' insurance policies or other policies insuring a one- or two-family owner occupied premises for fire and allied lines, issued or renewed by authorized insurers on or after January 1, 2010, any separate deductible that applies in place of any other deductible to loss or damage resulting from a named storm or hurricane shall be applied on an annual basis to all named-storm or hurricane losses that are subject to the separate deductible during the calendar year. C. If an insured incurs named-storm or hurricane losses from more than one named storm or hurricane during a calendar year that are subject to the separate deductible referred to in Subsection B of this Section, the insurer may apply a deductible to the succeeding named storms or hurricanes that is equal to the remaining amount of the separate deductible, or the amount of the deductible that applies to all perils other than a named storm or hurricane, whichever is greater. Insurers may require policyholders to maintain receipts or other records of such losses in order to apply such losses to subsequent named-storm or hurricane claims. Acts 2009, No. 134, §1, eff. June 25, 2009.
LA Rev Stat § 22:1338 (2021)
2021 Louisiana Laws|Revised Statutes|Title 22 - Insurance|§1338. Homeowners' insurance; prohibited actions involving Chinese drywall; penalty

RS 1338 - Homeowners' insurance; prohibited actions involving Chinese drywall; penalty  A. No insurer shall cancel or fail to renew any homeowners' insurance policy, regardless of whether the policy has been in effect for less than three years, based solely on the presence of installed Chinese drywall in the insured's property or the filing of a claim by an insured that is based on the presence of Chinese drywall which, prior to December 31, 2009, was imported from, or manufactured in, the People's Republic of China. Nothing in this Section shall be construed to allow an insured to avoid its obligations under the terms of the insurance contract.  B. Any insurer violating the provisions of this Section shall be subject to a penalty to be imposed by the commissioner which penalty shall be up to fifteen thousand dollars, plus all attorney fees, expenses, and court costs incurred by the homeowner in having the policy reinstated.  C. Any insurer which has canceled or failed to renew a policy after an insured has made a claim due to the presence of Chinese drywall shall have thirty days from the effective date of this Section to reinstate the policy on the same terms and conditions that applied to the policy prior to the claim or be in violation of the provisions of this Section.  D. This Section shall not amend, alter, or affect binders, as defined in R.S. 22:870, that are used to bind insurance coverage temporarily pending the issuance of an insurance policy.  E. The provisions of this Section shall cease to be effective after July 1, 2013.  Acts 2010, No. 1005, §1, eff. July 8, 2010.
LA Rev Stat § 22:1341 (2021)
2021 Louisiana Laws|Revised Statutes|Title 22 - Insurance|§1341. Definitions

RS 1341 - Definitions  For purposes of this Subpart, the following definitions apply:  (1) "Flood" means a general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or of two or more properties, at least one of which is the policyholder's property, from any of the following:  (a) Overflow of inland or tidal waters.  (b) Unusual and rapid accumulation or runoff of surface waters from any source.  (c) Mud flow.  (d) Collapse or subsidence of land along the shore of a lake or similar body of water as a result of erosion or undermining caused by waves or currents of water exceeding anticipated cyclical levels that result in a flood as defined in this Paragraph.  (2) "Hurricane" means a storm system that has been declared a hurricane by the National Hurricane Center of the National Weather Service.  (3) "Named storm" means a storm system that has been declared a named storm by the National Hurricane Center of the National Weather Service.  (4) "Residential flood coverage" means insurance for the peril of flood for homeowner's, condominium owner's, renter's, and tenant's dwelling, mobile home, and manufactured housing, and similar policies.  (5) "Separate named storm or hurricane deductible" means a deductible that applies to flood damage incurred during a named storm or hurricane and may be expressed as a percentage of the insured value of the property or as a specific dollar amount. All of the following shall apply to a separate deductible:  (a) The insurer shall not apply the separate named storm or hurricane deductible in addition to another deductible.  (b) There shall be one separate named storm or hurricane deductible in a calendar year, which shall apply to all named storm or hurricane losses during the calendar year.  (c) The insurer may apply to later flood loss events the greater of the remaining amount of the separate named storm or hurricane deductible or the amount of any other standard flood deductible.  (d) The insurer may require policyholders to maintain receipts or other records of such losses in order to apply such losses to a subsequent flood loss incurred during a named storm or hurricane claims.  (6) "Standard flood deductible" means a deductible that applies to flood damage incurred during any event and may be expressed as a percentage of the insured value of the property or as a specific dollar amount.  Acts 2021, No. 77, §1, eff. Jan. 1, 2022.
LA Rev Stat § 22:1342 (2021)
2021 Louisiana Laws|Revised Statutes|Title 22 - Insurance|§1342. Applicability

RS 1342 - Applicability  A. Notwithstanding any provision of law to the contrary, this Subpart shall govern the regulation of any insurance policy, contract, or endorsement providing residential flood coverage on any structure or the contents of personal property contained therein.  B. This Subpart does not apply to either of the following:  (1) Commercial lines insurance.  (2) Surplus lines insurance.  C. Louisiana Citizens Property Insurance Corporation shall not provide residential flood coverage.  Acts 2021, No. 77, §1, eff. Jan. 1, 2022.
LA Rev Stat § 22:1343 (2021)
2021 Louisiana Laws|Revised Statutes|Title 22 - Insurance|§1343. Residential flood coverage; notices; plan of operation

RS 1343 - Residential flood coverage; notices; plan of operation  In addition to other requirements, an insurer providing residential flood coverage shall do all of the following:  (1) Notify the commissioner at least thirty days before writing residential flood policies in this state.  (2) File a plan of operation, financial projections, and any revisions to either, as applicable, with the commissioner.  (3) Note prominently on the policy declarations page the residential flood coverage premiums, deductibles, and policy limits.  (4) Notify the commissioner in writing at least sixty days prior to the market end date of residential flood coverage and advise regarding all of the following:  (a) If an approved policy form will no longer be marketed in this state.  (b) If an approved policy form will be permanently withdrawn from this state.  (c) Whether residential flood coverage issued in this state under a discontinued or withdrawn policy form will remain in force.  (d) Whether existing residential flood coverage issued in this state under a discontinued or withdrawn policy form will continue to be renewed.  (e) The policy form numbers being discontinued or withdrawn and the dates of original approval.  Acts 2021, No. 77, §1, eff. Jan. 1, 2022.
LA Rev Stat § 22:1344 (2021)
2021 Louisiana Laws|Revised Statutes|Title 22 - Insurance|§1344. Residential flood coverage; policy types

RS 1344 - Residential flood coverage; policy types  A. In addition to excess flood insurance, insurers may issue any of the following types of residential flood coverage:  (1) Standard flood insurance, which covers only losses from the peril of flood in a manner equivalent to that provided under the National Flood Insurance Program, including standard flood deductibles and adjustment of losses.  (2) Preferred flood insurance, which includes all of the following:  (a) The same coverage as standard flood insurance.  (b) Coverage for losses from water intrusion originating from outside the structure that are not otherwise covered by a flood policy.  (c) Coverage for additional living expenses.  (d) A requirement that any loss under personal property or contents coverage be adjusted only on the basis of replacement costs up to the policy limits.  (3) Customized flood insurance, which includes coverage that is broader than the coverage provided under standard flood insurance.  (4) Flexible flood insurance, which covers losses from the peril of flood and may also include coverage for losses from water intrusion originating from outside the structure, that is not otherwise covered. Flexible flood insurance shall include one or more of the following provisions:  (a) An agreement between the insurer and the insured that the flood coverage is in a specified amount, such as coverage that is limited to the total amount of each outstanding mortgage applicable to the covered property.  (b) A requirement for a separate named storm or hurricane deductible.  (c) A requirement that flood loss to a dwelling be adjusted in accordance with R.S. 22:1264 or adjusted only on the basis of the actual cash value of the property.  (d) A restriction limiting residential flood coverage to the principal building defined in the policy.  (e) A provision including or excluding coverage for additional living expenses.  (f) A provision excluding coverage for personal property and contents as to the peril of flood.  (5) Supplemental flood insurance, which may provide coverage designed to supplement a flood policy obtained from the National Flood Insurance Program or from an insurer issuing standard or preferred flood insurance pursuant to this Section. Supplemental flood insurance may provide coverage for any of the following:  (a) Jewelry.  (b) Art.  (c) Deductibles.  (d) Additional living expenses.  (e) Other coverage permitted by law.  B. An insurer writing residential flood policies may issue flood insurance that covers losses from the peril of flood using either or both of the following:  (1) A definition of "flood" other than that in R.S. 22:1341.  (2) Terms and conditions other than those used in the policy types described in Subsection A of this Section.  C. Notwithstanding Subsections A and B of this Section, insurers offering private flood insurance may continue using policy forms filed and approved before January 1, 2022.  Acts 2021, No. 77, §1, eff. Jan. 1, 2022.
LA Rev Stat § 22:1345 (2021)
2021 Louisiana Laws|Revised Statutes|Title 22 - Insurance|§1345. Residential flood coverage; rates

RS 1345 - Residential flood coverage; rates  For an insurer writing residential flood coverage, either of the following shall apply:  (1) An insurer may establish and use residential flood coverage rates in accordance with the provisions of R.S. 22:1451 and 1454.  (2) For residential flood coverage rates filed with the commissioner before January 1, 2027, all of the following shall apply:  (a) An insurer shall establish and use rates in accordance with the rates, rating schedules, or rating manuals filed by the insurer with the commissioner which allow the insurer a reasonable rate of return on residential flood coverage written in this state.  (b) Rates established pursuant to this Paragraph are not subject to R.S. 22:1451.  (c) Within thirty days after the effective date of the change, the insurer shall notify the commissioner of any change to previously established rates and of the average statewide percentage change in rates.  (d) Actuarial data with regard to rates for residential flood coverage shall be maintained by the insurer for two years after the effective date of the rate change and is subject to examination by the commissioner. The commissioner may require the insurer to incur the costs associated with an examination. Upon examination, the commissioner, in accordance with generally accepted and reasonable actuarial techniques, shall consider the rate factors and standards in R.S. 22:1454 to determine if the rate is excessive, inadequate, or unfairly discriminatory.  (e) If the commissioner determines that a rate is excessive or unfairly discriminatory, the commissioner shall require the insurer to provide appropriate credit to any affected policyholders and an appropriate refund to any affected former policyholders.  Acts 2021, No. 77, §1, eff. Jan. 1, 2022.
LA Rev Stat § 22:1346 (2021)
2021 Louisiana Laws|Revised Statutes|Title 22 - Insurance|§1346. Notices regarding flood coverage

RS 1346 - Notices regarding flood coverage  A.(1) A producer shall provide written notice to be signed by the applicant before a producer places residential flood coverage with an authorized or surplus lines insurer for a property receiving flood coverage from the National Flood Insurance Program. The notice required by this Subsection shall inform the applicant of all of the following:  (a) Coverage under the National Flood Insurance Program is provided at a subsidized rate.  (b) If the applicant discontinues coverage under the National Flood Insurance Program, the full risk rate may apply to the property if the applicant later seeks coverage under the National Flood Insurance Program.  (2) If an applicant does not have flood coverage, a producer shall inform the applicant of the existence of the National Flood Insurance Program.  B.(1) An insurer writing standard flood insurance policies, preferred flood insurance policies, customized flood insurance policies, flexible flood insurance policies, residential flood insurance policies using a different definition of "flood" than that used in R.S. 22:1341, or residential flood insurance policies with terms and conditions other than those described in R.S. 22:1344, shall make one of the following certifications:  (a) "This policy meets the definition of private flood insurance contained in 42 U.S.C. 4012a(b)(7) and the corresponding regulation." A certification made under this Subparagraph shall also contain a separate statement providing: "This policy provides at least the coverage of the standard flood insurance policy under the National Flood Insurance Program."  (b) "This policy does not meet the definition of private flood insurance contained in 42 U.S.C. 4012a(b)(7) and the corresponding regulation." A certification made under this Subparagraph shall also contain a separate statement providing: "This policy provides less coverage than the standard flood insurance policy under the National Flood Insurance Program."  (2) The certifications required pursuant to this Subsection shall be in writing on the declarations page of the policy in bold typed print of not less than a fourteen-point font.  Acts 2021, No. 77, §1, eff. Jan. 1, 2022.
LA Rev Stat § 22:1351 (2021)
2021 Louisiana Laws|Revised Statutes|Title 22 - Insurance|§1351. Applicability

RS 1351 - Applicability  A. This Subpart shall apply to travel insurance where policies or certificates are delivered or issued for delivery in this state.  B. This Subpart shall not apply to cancellation fee waivers and travel assistance services, except as expressly provided herein.  Acts 2017, No. 225, §1, eff. Jan. 1, 2018. NOTE: Former R.S. 22:1351 redesignated as R.S. 22:2191 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009.
LA Rev Stat § 22:1353 (2021)
2021 Louisiana Laws|Revised Statutes|Title 22 - Insurance|§1353. Deposits, assessments, fees, and taxes

RS 1353 - Deposits, assessments, fees, and taxes  A. A travel insurer shall be subject to the provisions of Chapter 3 of this Title, R.S. 22:791 et seq.  B. A travel insurer shall pay premium tax, as provided in R.S. 22:837 and 838, on travel insurance premiums paid by any one of the following:  (1) An individual policyholder who is a resident of this state.  (2) A certificate-holder who is a resident of this state who elects coverage under a group travel insurance policy.  (3) An eligible group policyholder that is resident in, or has its principal place of business in, this state that purchases a blanket travel insurance policy.  Acts 2017, No. 225, §1, eff. Jan. 1, 2018. RS 1353 - Redesignated as R.S. 22:2193 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009.
LA Rev Stat § 22:1354 (2021)
2021 Louisiana Laws|Revised Statutes|Title 22 - Insurance|§1354. Travel protection plans

RS 1354 - Travel protection plans  Travel protection plans may be offered for one price for the combined features that the travel protection plan offers in this state if all of the following are met:  (1) There is no finding by the commissioner, pursuant to R.S. 22:1453, that the travel insurance market in the state is noncompetitive or that the travel protection plan restricts competition by either significantly decreasing output or efficiency in the market or that a travel insurer or travel retailer is exerting sufficient market power in providing travel insurance or a travel protection plan such that competition is adversely impacted or that the travel protection plan would exact burdensome terms that would not exist in a competitive market.  (2) The travel insurance, travel assistance services, and cancellation fee waivers are clearly delineated in the travel protection plan's fulfillment materials. The fulfillment materials shall include the travel insurance disclosure requirements required pursuant to state law and the contact information for persons providing travel assistance services and cancellation fee waivers, as applicable.  (3) The travel protection plan clearly discloses to the consumer at or prior to the time of purchase and fulfillment that it includes travel insurance, travel assistance services, and cancellation fee waivers, as applicable, and provides an opportunity at any time thereafter for the consumer to obtain additional information regarding the features and pricing of each.  Acts 2017, No. 225, §1, eff. Jan. 1, 2018. RS 1354 - Redesignated as R.S. 22:2194 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009.
LA Rev Stat § 22:1355 (2021)
2021 Louisiana Laws|Revised Statutes|Title 22 - Insurance|§1355. Sales practices

RS 1355 - Sales practices  A. All persons involved in offering, soliciting, or negotiating travel insurance to residents of this state shall be subject to the unfair trade practices provisions of Chapter 7 of this Title, R.S. 22:1901 et seq., except as otherwise provided in this Section.  B. It shall not be an unfair trade practice to include blanket travel insurance coverage with the purchase of a trip, provided the coverage is not marketed as free.  C. Travel insurance policies or certificates that contain pre-existing condition exclusions shall clearly disclose the exclusion in the coverage's fulfillment materials.  D. Policyholders or certificate holders shall have a minimum of ten days from the date of purchase to review and cancel the policy or certificate for a full refund of the travel protection plan price, unless the insured has either started the covered trip or has filed a claim under the travel insurance coverage.  E. The travel insurance policy shall disclose in the policy fulfillment materials whether the travel insurance is primary or secondary to other applicable coverage. Travel insurance is not subject to coordination of benefits for health insurance coverage.  F. Where travel insurance is marketed directly to a consumer through an insurer's website or by others through an aggregator site, it shall not be an unfair trade practice or other violation of law when an accurate summary or short description of coverage is provided on the web page, as long as the consumer has access to the full provisions through electronic means.  G. Unless otherwise permitted by state or federal law, no person offering travel insurance or travel protection plans on an individual or group basis may do so using negative option or opt-out, which would require a consumer to take an affirmative action such as unchecking a box on an electronic form when he purchases a trip to deselect coverage.  Acts 2017, No. 225, §1, eff. Jan. 1, 2018. RS 1355 - Redesignated as R.S. 22:2195 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009.
LA Rev Stat § 22:1356 (2021)
2021 Louisiana Laws|Revised Statutes|Title 22 - Insurance|§1356. Travel administrators

RS 1356 - Travel administrators  Notwithstanding any other provisions of this Title, no person shall act or represent himself as a travel administrator in this state unless that person meets one of the following conditions:  (1) Is a licensed producer for property and casualty insurance in this state.  (2) Holds a valid managing general agent license in this state.  Acts 2017, No. 225, §1, eff. Jan. 1, 2018. RS 1356 - Redesignated as R.S. 22:2196 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009.
LA Rev Stat § 22:1357 (2021)
2021 Louisiana Laws|Revised Statutes|Title 22 - Insurance|§1357. Policy

RS 1357 - Policy  A. Notwithstanding any other provision of this Title, travel insurance shall be classified and filed for purposes of rates and forms as a marine and transportation line of insurance as defined in R.S. 22:47.  B. Travel insurance may be provided by an individual or group master policy.  C. Eligibility and underwriting standards for travel insurance may be developed and provided based on travel protection plans designed for individual or identified marketing or distribution channels, and the travel insurance offered as part of the travel protection plan may be offered as individual travel insurance, group travel insurance, or blanket travel insurance.  Acts 2017, No. 225, §1, eff. Jan. 1, 2018. RS 1357 - Redesignated as R.S. 22:2197 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009.
LA Rev Stat § 22:1358 (2021)
2021 Louisiana Laws|Revised Statutes|Title 22 - Insurance|§1358. Regulations

RS 1358 - Regulations  The commissioner may, in accordance with the Administrative Procedure Act, R.S. 49:950 et seq., promulgate rules and regulations as he deems necessary to enforce the provisions of this Subpart.  Acts 2017, No. 225, §1, eff. Jan. 1, 2018. RS 1358 - Redesignated as R.S. 22:2198 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009.
LA Rev Stat § 22:1359 (2021)
2021 Louisiana Laws|Revised Statutes|Title 22 - Insurance|§1359. Redesignated as R.S. 22:2199 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009.

RS 1359 - Redesignated as R.S. 22:2199 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009.
LA Rev Stat § 22:1360 (2021)
2021 Louisiana Laws|Revised Statutes|Title 22 - Insurance|§1360. Redesignated as R.S. 22:2200 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009.

RS 1360 - Redesignated as R.S. 22:2200 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009.
LA Rev Stat § 22:1361 (2021)
2021 Louisiana Laws|Revised Statutes|Title 22 - Insurance|§1361. Reserved

RS 1361 - Reserved NOTE: Former R.S. 22:1361 redesignated as R.S. 22:2201 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009.
LA Rev Stat § 22:1362 (2021)
2021 Louisiana Laws|Revised Statutes|Title 22 - Insurance|§1362. Redesignated as R.S. 22:2202 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009.

RS 1362 - Redesignated as R.S. 22:2202 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009.