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Insurance deadline extended in Louisiana for hurricane claims

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Posted at 4:49 PM, Dec 09, 2020
and last updated 2020-12-09 17:49:54-05

The Louisiana Department of Insurance announced Wednesday that deadlines have been extended for Louisiana policyholders to file proof of loss for hurricane claims.

According to a release from Commissioner of Insurance Jim Donelon, Louisiana policyholders who need to file hurricane damage claims still have time to do so under Louisiana law.

Under Louisiana law, R.S. 22:1264 states that when a catastrophic event occurs and civil officials declare a state of disaster or emergency pursuant to law, owners of property within the declaration area shall have not less than 180 days from the date of the event to submit a proof of loss with their insurer.

Donelon says that approximate proof of loss filing deadlines are as follows:

Event - Date180-day Deadline
Laura - Aug. 27 Feb. 23, 2021
Delta - Oct. 9 April 7, 2021
Zeta - Oct. 28 April 26, 2021

According to the release, those needing to file a claim should review their policy and contact their agent for guidance on the exact proof of loss deadline per their policy and what is required in filing their proof of loss.

The same Louisiana law extends the 180-day deadline when policyholders are denied access to their properties by civil authorities during a state of disaster or emergency, the release states.

Filing a sufficient proof of loss with an insurer can include not only filing the initial damage claim, but also documentation such as photos, contractor estimates, receipts for temporary repairs and any other documentation required by the company.

Anyone with questions or concerns about the claim filing process or how their specific claim is being handled by their insurer can contact the Louisiana Department of Insurance at 1-800-259-5300 or submit a formal complaint at ldi.la.gov/complaints.

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