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Bill

HB 122

INSURANCE: Creates the Louisiana Roof Registry (EN +$45,430 SG EX See Note)

2025 Regular Session Introduced by Stephanie Berault and 1 co-sponsor

Louisiana creates a statewide roof registry database to track property roof conditions, effective August 2025, with $45,430 in startup funding to address insurance market stability.

Signed by the Governor. Becomes Act No. 62.
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Bill Summary · HB 122

Legislative bill overview

HB 122 establishes the Louisiana Roof Registry, a new state database system to track roof conditions and replacement information on insured properties. The bill allocates $45,430 in state general expenses to implement and maintain this registry, which became effective August 1, 2025.

Why is this important

Louisiana's insurance market has experienced significant instability, with insurers citing increased losses from weather damage and roof-related claims driving up premiums and forcing some companies to exit the market. A roof registry could help insurers better assess property risk, potentially stabilizing rates and availability, while also creating a standardized record of roof conditions that benefits both insurers and homeowners.

Potential points of contention

  • Data privacy concerns: A centralized registry of home condition information raises questions about who can access the data, how it's protected, and whether insurers will use it to deny coverage or raise rates based on roof age rather than actual damage
  • Cost-benefit clarity: The $45,430 budget allocation may be insufficient for a comprehensive statewide database, or the actual costs and long-term maintenance expenses remain unclear
  • Enforcement and participation: Without mandatory participation requirements detailed in available information, the registry's effectiveness depends on voluntary homeowner/insurer reporting, which could create incomplete data that doesn't solve the insurance market problems it aims to address

Compiled from official sources — confirm details with the bill’s official record.

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