HLS 21RS-918 ORIGINAL
2021 Regular Session
HOUSE BILL NO. 458
BY REPRESENTATIVE FIRMENT
Prefiled pursuant to Article III, Section 2(A)(4)(b)(i) of the Constitution of Louisiana.
INSURANCE/HOMEOW NERS: Provides for additional living expenses and fair rental
value coverages under residential insurance policies
1 AN ACT
2To enact R.S. 22:1897, relative to residential property insurance; to provide for additional
3 living expenses and fair rental value coverages; to provide for definitions; to provide
4 for effectiveness; and to provide for related matters.
5Be it enacted by the Legislature of Louisiana:
6 Section 1. R.S. 22:1897 is hereby enacted to read as follows:
7 ยง1897. Residential property insurance; additional living expenses coverage; fair
8 rental value coverage
9 A. If a residential property insurance policy includes coverage for additional
10 living expenses or fair rental value and the insured location experiences a stoppage
11 of essential utilities, such as water, electricity, sewer, or natural gas services, for a
12 period of at least twenty-four hours, the insured location shall be deemed
13 uninhabitable, not fit to live in, or not fit for its normal use until such time as service
14 of the essential utilities are functionally restored.
15 B. This Section shall apply to each insurer authorized to engage in the
16 business of residential property insurance in this state.
17 Section 2. (A) This Act shall become effective on July 1, 2021.
18 (B) The provisions of Section 1 of this Act apply to any new policy, contract,
19 program, or residential property insurance policy issued on and after July 1, 2021.
20
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CODING: Words in struck through type are deletions from existing law; words underscored
are additions. HLS 21RS-918 ORIGINAL
HB NO. 458
DIGEST
The digest printed below was prepared by House Legislative Services. It constitutes no part
of the legislative instrument. The keyword, one-liner, abstract, and digest do not constitute
part of the law or proof or indicia of legislative intent. [R.S. 1:13(B) and 24:177(E)]
HB 458 Original 2021 Regular Session Firment
Abstract: Provides for additional living expenses and fair rental value coverages under
residential insurance policies.
Proposed law provides that if a residential property insurance policy includes a coverage for
additional living expenses or fair rental value and the insured location experiences a
stoppage of essential utilities, such as water, electricity, sewer, or natural gas services, for
a period of at least 24 hours then the insured location shall be deemed uninhabitable, not fit
to live in, or not fit for its normal use, until the essential utilities are functionally restored.
Proposed law provides that proposed law shall apply to each insurer authorized to engage
in the business of residential property insurance in this state.
Effective July 1, 2021.
(Adds R.S. 22:1897)
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CODING: Words in struck through type are deletions from existing law; words underscored
are additions.