Louisiana doubled property insurance cancellation notice to sixty days — in two separate acts
Louisiana doubled property insurance cancellation notice to sixty days — in two separate acts
2026-09-10 · Louisiana · Legislation
What happened. The warning a Louisiana association gets before its property insurance is cancelled or not renewed has doubled. It happened in two acts, a year apart, landing in two different parts of the Insurance Code — which is why a summary citing only one of them is incomplete.
Act 182 of 2025: the bill of rights and the cancellation statutes
Act 182 (House Bill 345) was signed June 8, 2025 and takes effect July 1, 2026. It amended R.S. 22:41(9), 22:887, 22:1266, 22:1267 and 22:1335. The policyholder bill of rights now reads:
“(9) Policyholders shall have the right to receive written notice of cancellation or nonrenewal at least sixty days prior to the effective date of the cancellation or nonrenewal, unless the cancellation or nonrenewal is for nonpayment of premium and shall have the right to protection from improper cancellation or nonrenewal in accordance with R.S. 22:1265 and 1333.”
And the operative cancellation and nonrenewal provisions changed with it — including a new duty to say why:
“G.(1) No insurer shall fail to renew a policy providing property or casualty insurance unless a notice of intention to not renew is mailed or delivered to the named insured at the address shown on the policy at least sixty days prior to the effective date of nonrenewal. An insurer shall include in the notice the cause for which the insurer is failing to renew the policy.”
“[P]roperty or casualty insurance” is the phrase that makes this reach associations: a condominium master policy and a subdivision association's package policy are commercial property placements, not homeowners policies.1
Act 848 of 2026: the policy form itself
Act 848 (House Bill 850) was signed June 8, 2026 and amended R.S. 22:1311(F)(2), the Standard Fire Policy text:
“Cancellation of policy – This policy shall be canceled at any time at the … giving to the insured a sixty-day written notice of cancellation, or ten-day written notice when cancellation is for nonpayment of premium, with or without …”
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Related Louisiana HOA Topics
- Act No. 182, 2025 Regular Session (HB 345) — enrolled Act text ↩
- Act No. 848, 2026 Regular Session (HB 850) — enrolled Act text, including the Section 2 transition rule ↩
- LDI Bulletin 2026-06 (March 31, 2026) — market-activity notice to the Commissioner ↩
- Louisiana Register Vol. 51, No. 6 (June 20, 2025) — Regulation 131, at pp. 803–805 ↩
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