Recent Hurricane Decisions and Insurance Legislation

Recent legislation and case law arising from Hurricanes Laura, Delta, and Zeta are expected to have far-ranging impacts on how property insurance claims are adjusted and adjudicated in Louisiana, particularly for claims arising from Hurricane Ida. In this white paper, we will address the recent legislation passed into law this summer and important judicial rulings on issues such as the application of forum-selection clauses, who is an insured under lender-placed insurance policies, appraisal as a condition precedent to filing suit, civil authority coverage in light of evacuation orders, and interpretation of policy sub-limits.