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Bill

HB 121

INSURANCE: Provides prohibitions relative to public adjusters and home improvement contractors

2025 Regular Session Introduced by Roy Adams

Louisiana prohibits certain business relationships and agreements between public adjusters and home improvement contractors to prevent insurance fraud and inflated property damage claims.

Signed by the Governor. Becomes Act No. 144.
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Bill Summary · HB 121

Legislative bill overview

HB 121 establishes new regulatory prohibitions governing the interactions and business practices between public adjusters and home improvement contractors in Louisiana. The bill restricts certain types of agreements and conduct between these two professions to prevent conflicts of interest and fraudulent claim practices. It became effective August 1, 2025, as Act No. 144.

Why is this important

Public adjusters and home improvement contractors often work together in insurance claims following property damage, creating opportunities for collusion or inflated claims that increase insurance costs for all consumers. These prohibitions aim to protect the insurance system's integrity and prevent fraudulent or inflated property damage claims that drive up premiums statewide.

Potential points of contention

  • Vague specifics: The bill summary doesn't detail which specific practices are prohibited, making it unclear whether legitimate business partnerships between adjusters and contractors are affected
  • Industry impact: Home improvement contractors may face reduced referral opportunities if the prohibitions severely limit collaboration with public adjusters, potentially affecting their business models
  • Enforcement challenges: The bill's effectiveness depends on regulators' ability to detect prohibited relationships that may occur informally or through indirect channels

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

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