From the Louisiana Department of Insurance: Insurance Commissioner Tim Temple announced today that the Louisiana Department of Insurance (LDI) continues its work to develop a regulation creating benchmark discounts for Fortified roofs in Louisiana. The LDI is working with the National Association of Insurance Commissioners (NAIC) to develop the benchmark discounts using Louisiana-specific data, hurricane modeling and actuarial considerations. “With over 11,000 Fortified roofs in Louisiana and two years-worth of insurer experience with rating for those roofs in our state, now is an appropriate time for the LDI to establish benchmark discounts for homeowners insurance companies operating in our market,” said Commissioner Temple. “These benchmarks are being thoughtfully developed to help consumers receive the discounts they deserve for fortifying their homes while making sure insurers know the benchmarks reflect how much Fortified roofs actually mitigate their exposure to risk across Louisiana.”  Like in Alabama’s Fortified benchmark discount structure, the LDI regulation would require Louisiana insurance companies to either meet the minimum benchmark discount established by the LDI or provide actuarial justification for why the company’s discount does not meet the benchmark. Louisiana is the fastest growing state for Fortified roofs in America. To date, over 11,000 Fortified roofs have been installed in Louisiana, including over 4,100 through the Louisiana Fortify Homes Program.

From the Louisiana Department of Insurance: Commissioner Tim Temple has approved SureChoice Underwriters Reciprocal Exchange (SURE) and Elevate Reciprocal Exchange’s requests for a 7.5% average rate decrease on the companies’ 73,000-plus homeowners policyholders and 17,000-plus dwelling policyholders. SURE is the second largest homeowners insurer in Louisiana and writes approximately 8% of the market. The change takes effect on Feb. 16, 2026. Rate changes are statewide averages, so each policyholder’s rate change will vary based on their individual risk. SURE indicated its decreases are primarily driven by a reduction in reinsurance costs. Reinsurance is essentially insurance that insurance companies buy to protect against catastrophic losses. Many Louisiana homeowners insurance companies buy reinsurance to protect against severe losses caused by a hurricane or named storm. “Since taking office, I’ve met several times with reinsurers to determine how we can encourage them to invest more capital in the Louisiana homeowners market, as well as how we can reduce the risk—and the cost—associated with that investment,” said Commissioner Temple. “Reinsurers consistently brought up the need for Louisiana to amend the three-year rule, clarify our catastrophe claims process and put far more emphasis on resilience and mitigation programs. While we still have a long way to go before all Louisianans can benefit from these changes, we have made great strides and are beginning to see the results of our hard work.”  Consumers may review all property and auto rate filings online with the Louisiana Department of Insurance’s new user-friendly rate filing search tool .

300 Grants Available to Residents of Louisiana’s Coastal Zone

ACT NOW!

Louisiana Fortify Homes Program Launches October 2 for Eligible Homeowners Insured by Louisiana Citizens