HLS 25RS-642 ORIGINAL
2025 Regular Session
HOUSE BILL NO. 121
BY REPRESENTATIVE ADAMS
Prefiled pursuant to Article III, Section 2(A)(4)(b)(i) of the Constitution of Louisiana.
INSURANCE: Provides prohibitions relative to public adjusters and home improvement
contractors
1 AN ACT
2To amend and reenact R.S. 22:1693(G) and 1706(H)(introductory paragraph) and to enact
3 R.S. 22:1706(H)(11) and R.S. 37:2159.2, relative to property and casualty
4 insurance; to provide for public adjusters and home improvement contractors; to
5 provide for prohibitions relative to claims handling services and processed claims;
6 and to provide for related matters.
7Be it enacted by the Legislature of Louisiana:
8 Section 1. R.S. 22:1693(G) and 1706(H)(introductory paragraph) are hereby
9amended and reenacted and R.S. 22:1706(H)(11) is hereby enacted to read as follows:
10 1693. License required; crime of unauthorized public adjusting
11 * * *
12 G. Any business entity that violates any provision of Subsection D of this
13 Section or R.S. 37:2159.2 shall be guilty of the crime of unauthorized practice of
14 public adjusting for a business entity and shall be fined not more than five thousand
15 dollars for each violation.
16 * * *
17 §1706. Standards of conduct of public adjuster
18 * * *
19 H. Public adjusters shall also adhere to all of the following general
20 requirements:
21 * * *
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CODING: Words in struck through type are deletions from existing law; words underscored
are additions. HLS 25RS-642 ORIGINAL
HB NO. 121
1 (11) A public adjuster shall not act as a contractor or subcontractor nor
2 provide any construction, roofing, or repair services to the insured in connection with
3 an insurance claim the adjuster has processed.
4 Section 2. R.S. 37:2159.2 is hereby enacted to read as follows:
5 §2159.2. Home improvement contracting; prohibited practices for contractors; roof
6 repairs or replacement
7 A contractor or subcontractor repairing or replacing the roof of a residential
8 or commercial property insured in this state shall not advertise, solicit, or provide
9 insurance claims handling, processing, or any policy interpretation related services
10 to the insured, including but not limited to contingency contracts, prior to the
11 insured's initiation of an insurance claim for property damage.
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 121 Original 2025 Regular Session Adams
Abstract: Prohibits public adjusters and home improvement contractors with respect to
insurance claims handling services and processed claims.
Present law (R.S. 22:1693(G)) provides for business entities acting as public adjusters
without proper licensure. Provides that such a business entity is guilty of the crime of
unauthorized practice of public adjusting. Further requires such an entity to be fined not
more than $5,000 per violation.
Proposed law retains present law and further provides that a business entity is guilty of the
crime of unauthorized practice of public adjusting if the entity violates proposed law (R.S.
37:2159.2), which prohibits a contractor or subcontractor repairing or replacing the roof of
a residential or commercial property from advertising, soliciting, or providing insurance
claims handling or policy interpretation related services to an insured, including but not
limited to contingency contracts, prior to the insured's initiation of a claim for damages.
Present law (R.S. 22:1706) generally provides standards of conduct for public adjusters and
enumerates certain prohibitions.
Proposed law (R.S. 22:1706(H)(11)) retains present law and further prohibits a public
adjuster from acting as a contractor or subcontractor or providing construction, roofing, or
repair services to the insured in connection with an insurance claim processed by the
adjuster.
(Amends R.S. 22:1693(G) and 1706(H)(intro. para.); Adds R.S. 22:1706(H)(11) and R.S.
37:2159.2)
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CODING: Words in struck through type are deletions from existing law; words underscored
are additions.