Louisiana Senate Bill SB13

Louisiana 2022 Regular Session

• Introduced: 2/4/22
• Refer: 2/4/22
• Refer: 3/14/22

Caption

Limits the number of adjusters on a single insurance claim. (8/1/22)

Impact

The impact of SB 13 on state law includes an explicit limitation on the operation of insurance companies when handling claims, which may lead to more efficient processing times and clearer communication for those filing claims. The law, effective from August 1, 2022, seeks to provide better consumer protections by minimizing the number of intermediaries involved in the adjustment process, thus potentially reducing errors or misunderstandings related to claims.

Summary

Senate Bill 13 aims to regulate the number of adjusters that can be assigned to a single insurance claim, setting a cap at three adjusters. This legislation is designed to streamline the claims process and reduce potential confusion for policyholders who might be overwhelmed by multiple adjusters managing their claims. By limiting the number of adjusters, the bill intends to ensure a more straightforward communication line between insurers and claimants, ultimately enhancing the claims experience for consumers.

Sentiment

The overall sentiment surrounding SB 13 appears to be positive, particularly from consumer advocacy groups and homeowners who have expressed the need for more manageable claim processes. Supporters argue that restricting the number of adjusters will enhance the efficiency of claims processing and consumer satisfaction. However, some industry stakeholders may view this limitation as an inconvenience that could hinder their ability to effectively manage complex claims, especially in instances where diverse expertise might be necessary.

Contention

Notable points of contention arise from the potential drawbacks of limiting adjusters on claims. Opponents may argue that in complicated cases such as those involving significant property damage, having only three adjusters could slow the claims process or limit access to specialized skills that might be necessary. Additionally, there may be concerns about how this regulation might affect the workload of adjusters and the insurance companies’ flexibility in managing claims effectively.