Louisiana roof age and home insurance
Since July 1, 2026 a Louisiana home insurer must give 60 days' notice, with the reason, before not renewing. Another section bans one-deductible-per-incident stacking, and insurers must discount FORTIFIED roofs.
Short answer: Louisiana home insurance and roofs: 60-day non-renewal notice, one deductible per incident, wind deductible disclosure and a FORTIFIED discount.
4 of 7 topics have a rule we could quote. 12 points below, 12 from statute or rule text.
Seven topics, what we found in Louisiana
No roof or home age rule found in the La. R.S. Title 22 pages we opened
Policy insert must explain replacement cost, ACV, depreciation and repair time limits
One deductible per incident; separate wind or hurricane deductible must be disclosed with an example
No cosmetic-damage rule found in the pages we opened
60 days' notice with the reason from July 1, 2026; a natural-cause loss alone cannot end a policy
Insurers must discount FORTIFIED builds and wind-mitigation work such as roof coverings
No right-to-repair or roof inspection rule found in the pages we opened
"Nothing found" means we opened the official pages listed below and the topic was not there. It does not mean Louisiana has no rule.
In plain English
Louisiana keeps its homeowner non-renewal rules in La. R.S. 22:1265 and 22:1335. Since July 1, 2026, a non-renewal notice must arrive at least 60 days before the policy ends and must state the cause. A late notice does not end the policy early. Coverage runs until 60 days after the notice is mailed or delivered.
The long-term shield is narrower than it used to be. A policy renewed for more than three years could be dropped only for listed reasons. That protection does not apply to policies issued after August 1, 2024. For older policies, an insurer with a filed plan may non-renew up to five percent of them each year for any reason. Separately, 22:1336 bars cancelling, not renewing or raising the premium based solely on a natural-cause loss.
Deductibles get two rules. No home policy may apply more than one deductible to a single incident. And the insert at the front of the policy must say whether a separate hurricane, wind or named-storm deductible applies, with one standard example. The same insert explains replacement cost, actual cash value, depreciation and repair time limits, and warns that a claim that pays nothing can still raise your premium.
On discounts, 22:1483 tells insurers to give an actuarially justified discount or credit for FORTIFIED construction and for wind-mitigation work. Roof deck attachments, secondary water barriers and roof coverings are on the list. In the pages we opened we found no roof-age limit, no roof payment schedule and no cosmetic-damage rule, so those terms sit in your policy wording.
What we found, with the exact words
12 points, 12 of them from the text of a statute or rule. Each quote was matched against the source page by a script, and the date is when it matched.
| Point | In short | Exact words from the source | Source |
|---|---|---|---|
| 60 days' notice of non-renewal, with the reason (from July 1, 2026) Non-renewal and cancellation |
From July 1, 2026 a home insurer must mail or deliver notice of non-renewal at least 60 days before expiry, and the notice must give the cause. | “The notice of nonrenewal shall be mailed or delivered at least sixty days before the expiration date of the policy.” | La. R.S. 22:1335(A) (as amended by Acts 2025, No. 182, eff. July 1, 2026) Statute. Accessed 2026-10-09; quote matched 2026-10-09 |
| Late notice keeps coverage running Non-renewal and cancellation |
If notice is mailed less than 60 days before expiry, coverage continues until 60 days after the notice is mailed or delivered, billed pro rata at last year's rate. | “coverage shall remain in effect under the terms and conditions until sixty days after the notice is mailed or delivered.” | La. R.S. 22:1335(A) (eff. July 1, 2026) Statute. Accessed 2026-10-09; quote matched 2026-10-09 |
| Old shield for policies renewed more than three years Non-renewal and cancellation |
A policy renewed for more than three years could be cancelled or not renewed only for listed reasons: non-payment, fraud, a risk change, two or more claims, or insurer solvency. | “shall not cancel or fail to renew a homeowner's policy of insurance that has been in effect and renewed for more than three years” | La. R.S. 22:1265(D)(1) Statute. Accessed 2026-10-09; quote matched 2026-10-09 |
| The shield stops for policies issued after August 1, 2024 Non-renewal and cancellation |
Subsections D and E, the three-year shield and the annual review, do not apply to any policy issued after August 1, 2024. | “Subsections D and E of this Section do not apply to any policies issued after August 1, 2024.” | La. R.S. 22:1265(K) Statute. Accessed 2026-10-09; quote matched 2026-10-09 |
| Five percent a year can be dropped for any reason Non-renewal and cancellation |
For policies in place three years by August 1, 2024, an insurer with a filed plan may non-renew up to five percent of its policies per calendar year. | “an insurer may nonrenew up to five percent of its customers' policies per calendar year for any reason.” | La. R.S. 22:1265(L)(1) Statute. Accessed 2026-10-09; quote matched 2026-10-09 |
| A natural-cause loss alone cannot end or reprice a policy Non-renewal and cancellation |
An insurer may not cancel, not renew or raise the premium on a home policy based solely on a natural-cause loss, except by area-wide rating at a new period. | “No insurer shall cancel, fail to renew, or increase the amount of the premium, ... based solely upon a loss caused by an” | La. R.S. 22:1336 Statute. Accessed 2026-10-09; quote matched 2026-10-09 |
| A claim that pays nothing can still cost you Non-renewal and cancellation |
The front insert must warn that a no-payment claim under the deductible may raise your premium or support cancellation. Insurers that do not do this are exempt. | “claim that does not exceed the policy deductible and that does not result in a payment ... may be used by the insurer to increase” | La. R.S. 22:1332(B)(7) Statute. Accessed 2026-10-09; quote matched 2026-10-09 |
| One deductible per incident Percentage deductibles |
A homeowner policy cannot apply more than one deductible to a loss from a single covered incident. A clause that does is void and unenforceable. | “shall contain any provision that would apply more than one deductible to a loss resulting from any single incident covered by the policy.” | La. R.S. 22:1265(G) Statute. Accessed 2026-10-09; quote matched 2026-10-09 |
| Separate wind or hurricane deductible must be disclosed Percentage deductibles |
The bold insert at the front of the policy, 14-point type or larger, must say whether a separate hurricane, wind or named-storm deductible applies, with one standard example. | “Whether a separate deductible is required for hurricane, wind, or named-storm damage, and, if so, one standardized example” | La. R.S. 22:1332(B)(6) Statute. Accessed 2026-10-09; quote matched 2026-10-09 |
| Replacement cost, ACV, depreciation and repair time limits must be explained Roof payment schedules |
The same insert must explain replacement cost versus actual cash value, the use of depreciation in payments, and that the policy may set time limits for completing repairs. | “distinction between replacement cost for losses and actual cash value, ... and that the policy may contain time limitations for repairs to be completed” | La. R.S. 22:1332(B)(3) Statute. Accessed 2026-10-09; quote matched 2026-10-09 |
| Insurers must give a discount for FORTIFIED construction Roof upgrade discounts |
Every insurer that files rating plans must give an actuarially justified discount, credit or other adjustment to an insured who builds or retrofits to the IBHS FORTIFIED home standard. | “shall provide an actuarially justified discount, credit, rate differential, adjustment in deductible, or any other adjustment to reduce the insurance premium charged” | La. R.S. 22:1483(C)(1) Statute. Accessed 2026-10-09; quote matched 2026-10-09 |
| Roof-related mitigation work counts toward a discount Roof upgrade discounts |
Insurers must also give an actuarially justified adjustment for wind mitigation. The statute names roof deck attachments, secondary water barriers and roof coverings, among other items. | “shall include but not be limited to roof deck attachments; secondary water barriers; roof coverings” | La. R.S. 22:1483(B) Statute. Accessed 2026-10-09; quote matched 2026-10-09 |
Roof payment and storm rules from our claim research
These rows come from the Louisiana page of our claim deadlines research. They are shown here so the roof rules sit in one place.
| Kind | Rule | Exact words | Source |
|---|---|---|---|
| Roof payment | If depreciation is applied to damaged property the insurer must explain how it was calculated | “If depreciation is applied to a loss for damaged property, the insurer shall provide a written explanation as to how the depreciation was calculated.” | La. R.S. 22:1892(A)(6)(d) Checked 2026-10-09 |
| Roof payment | Insurer may hold back recoverable depreciation until you show proof of paying the deductible | “may refuse to pay a claim for withheld recoverable depreciation or a replacement cost holdback under the policy until the insurer receives reasonable proof of payment by the policyholder of any deductible applicable to the claim.” | La. R.S. 22:1892(A)(7) Checked 2026-10-09 |
| Storm claim | Definition of "catastrophic loss" that triggers longer insurer deadlines | “"Catastrophic loss" means a loss that arose from a natural disaster, windstorm, or significant weather-related event that was a presidentially declared emergency or disaster or a gubernatorially declared emergency or disaster.” | La. R.S. 22:1892(C)(i) Checked 2026-10-09 |
| Storm claim | Pay a catastrophic-loss residential claim | “For catastrophic losses arising under an insurance policy for residential property, an insurer shall transmit payment of the amount of any claim due to any insured within sixty days after receipt of satisfactory written proof of loss.” | La. R.S. 22:1892.2(A)(2) Checked 2026-10-09 |
| Storm claim | Pay a catastrophic-loss claim on non-residential immovable property | “other than residential property, an insurer shall transmit payment of the amount of any claim due to any insured within ninety days after receipt of satisfactory written proof of loss.” | La. R.S. 22:1892.2(A)(3) Checked 2026-10-09 |
| Storm claim | Penalty for missing the catastrophic-loss payment deadline | “of only the greater of fifty percent of the amount found to be due from the insurer to the insured, or in the event that a partial payment or tender has been made, fifty percent of the difference between the amount timely paid or tendered and the amount found to be due, plus proven economic damages sustained as a result of the breach, or two thousand five hundred dollars, whichever is greater” | La. R.S. 22:1892.2(B)(1) Checked 2026-10-09 |
| Storm claim | Claims for the catastrophic-loss penalties and attorney fees expire after two years | “Claims for penalties and attorney fees pursuant to this Section are subject to a liberative prescription of two years.” | La. R.S. 22:1892.2(B)(2) Checked 2026-10-09 |
| Storm claim | Give the insurer written notice (cure period) before suing under 22:1892.2 | “the insurer shall be given sixty days' written notice of the violation by the insured or his representative, hereinafter referred to in this Section as the "cure period notice"” | La. R.S. 22:1892.2(C)(1) Checked 2026-10-09 |
| Storm claim | Respond to your inquiries or requests about a residential or commercial property claim | “shall respond to all inquiries or requests from the insured within fourteen days of the inquiry or request, unless such time period to respond has been extended by the commissioner of insurance because of a disaster or emergency declared in accordance with R.S. 29:721 et seq.” | La. R.S. 22:1896(A) Checked 2026-10-09 |
FORTIFIED Roof and your premium in Louisiana
Louisiana Fortify Homes Program grant: Up to $10,000 from the Department of Insurance, paid to the approved contractor. Grants are chosen by lottery in rounds. Registration was closed when we last checked (October 5, 2026), and the Department says more rounds will be announced later. Grants awarded from January 1, 2025 can be excluded from Louisiana taxable income. The grant may be federally taxable; check with a tax adviser.
Figures come from IBHS and state program pages. See the FORTIFIED Roof page for Louisiana for sources.
When hail hits Louisiana
Across 14 Louisiana counties the NOAA file holds 704 hail reports (2014 to June 2026). Peak month: Apr. Largest stone reported: 4.0 inches. A percentage deductible matters most in the months with the tallest bars.
| County with the most reports | Reports | Largest stone |
|---|---|---|
| Caddo Parish | 138 | 3.0 in |
| Bossier Parish | 92 | 4.0 in |
| Ouachita Parish | 56 | 2.5 in |
| Union Parish | 55 | 1.75 in |
| Natchitoches Parish | 50 | 2.25 in |
What a percentage deductible costs on your policy
Some policies set the wind or hail deductible as a percentage of the dwelling coverage. Put in the two numbers from your declarations page. This is plain multiplication; the rule above controls how the percentage may be used, not how much it is.
Depends on your policy. Enter both numbers to see the dollar amount you would pay first.
What changes for a homeowner
- A non-renewal notice must now reach you at least 60 days before the policy ends, and it must say why.
- The three-year non-renewal shield no longer covers policies issued after August 1, 2024.
- Older policies can still be non-renewed under an insurer's filed plan, up to five percent a year.
- A claim that pays nothing because it is under the deductible can be used to raise your premium. Ask your insurer if it does this.
- Roof coverings, roof deck attachments and secondary water barriers count as wind-mitigation work for a discount.
What to ask your insurer
Ask in writing and keep the replies. The box below turns these questions into a letter you can copy.
- Does my policy have a separate wind, hail or named-storm deductible, and what is the standard example in the front insert?
- If you do not renew me, will the notice arrive at least 60 days before expiry, and will it state the cause?
- Do you count a claim that paid nothing, because it was under the deductible, when you set my premium or decide on cancellation?
- Which roof upgrades earn a discount, and what proof do you need for a roof covering or a roof deck attachment?
- Which non-renewal rules apply to my policy given the date it was first issued?
- How do depreciation and any repair time limit affect what I am paid for a roof?
What we could not confirm
- Roof or home age limits: we read the La. R.S. Title 22 sections we opened (22:1068 through 22:2196 on legis.la.gov) and found no wording on the age of a roof or home.
- Cosmetic-damage exclusions and roof payment schedules: no rule found in those same sections. Your policy wording decides.
- Right to repair a roof defect or a required roof inspection by the insurer: no such provision found in those sections.
- Louisiana Department of Insurance bulletins and rules were not checked. ldi.la.gov returned 403 to our server, so any bulletin on roof terms is unconfirmed.
Sources, with dates
- La. R.S. 22:1265, cancellation and nonrenewal provisions (Louisiana Legislature) (statute, accessed 2026-10-09)
- La. R.S. 22:1332, delivery of homeowners' insurance; disclosures (Louisiana Legislature) (statute, accessed 2026-10-09)
- La. R.S. 22:1335, homeowners' insurance; cancellation; nonrenewal (Louisiana Legislature) (statute, accessed 2026-10-09)
- La. R.S. 22:1336, homeowner's insurance; acts of God (Louisiana Legislature) (statute, accessed 2026-10-09)
- La. R.S. 22:1483, premium discounts for building codes and damage mitigation (Louisiana Legislature) (statute, accessed 2026-10-09)
Last verified 2026-10-09. For a complaint or a question about your own policy, contact the Louisiana Department of Insurance.
Questions people ask
How much notice must my insurer give before not renewing my home policy?
Since July 1, 2026, at least 60 days before the policy expires, and the notice must state the cause (La. R.S. 22:1335(A)). If it is late, coverage continues until 60 days after the notice is mailed or delivered.
Can my insurer drop me after a hail or wind loss?
Not solely because of a loss from natural causes without human intervention (La. R.S. 22:1336). Other grounds, and the rules in 22:1265, still apply.
Can a policy charge two deductibles for one storm?
No. La. R.S. 22:1265(G) voids a home policy provision that applies more than one deductible to a loss from a single covered incident.
Do Louisiana insurers have to give a FORTIFIED roof discount?
Yes, an actuarially justified discount or credit, under La. R.S. 22:1483. Check the rate filing and ask your insurer what proof it needs.
Related pages
- Louisiana insurer claim deadlines
- Louisiana FORTIFIED Roof incentives
- Roof age and insurance: the general guide
- Actual cash value or replacement cost for a roof
- All states
Other states: Alabama, Arkansas, Colorado, Florida, Georgia, Illinois, Indiana, Iowa, Kansas, Michigan, Minnesota, Mississippi, Missouri, Nebraska, North Carolina, Ohio, Oklahoma, South Carolina, Tennessee, Texas, Virginia, Washington
Louisiana cities we cover
Census data counts when homes were built, not when roofs were last replaced, so home age is only a rough guide to roof age.
| City | Median year homes were built | Homes built before 1980 | Roof age page |
|---|---|---|---|
| Alexandria | 1970 | 64.7% | How old are the roofs in Alexandria |
| Bossier City | 1979 | 51.4% | How old are the roofs in Bossier City |
| Lafayette | 1981 | 47.4% | How old are the roofs in Lafayette |
| Lake Charles | 1979 | 52.2% | How old are the roofs in Lake Charles |
| Monroe | 1971 | 65.9% | How old are the roofs in Monroe |
| Shreveport | 1973 | 64.6% | How old are the roofs in Shreveport |