HB1117 • 2026

INSURANCE: Provides relative to certain insurer contractual payments and prescriptive period

Enacted

This bill passed the Legislature and reached final enactment based on the latest official action.

Sponsor: Gabe Firment
Last action: 2026-06-09
Official status: Signed by the Governor - Act 876
Effective date: Not listed

Plain English Breakdown

Using official source text because the generated explanation was unavailable or could not be confirmed against the official bill text.

INSURANCE: Provides relative to certain insurer contractual payments and prescriptive period

What This Bill Does

INSURANCE: Provides relative to certain insurer contractual payments and prescriptive period

Limits and Unknowns

This entry is temporarily using official source text because the generated explanation could not be confirmed against the official bill text during the last sync.

Amendments

These notes stay tied to the official amendment files and metadata from the legislature.

Summary of Senate Amendments to HB1117

Filed

Plain English: SSHB1117 4878 5568 HOUSE SUMMARY OF SENATE AMENDMENTS HB 1117 2026 Regular Session Firment INSURANCE: Provides relative to certain insurer contractual payments and prescriptive period Synopsis of Senate Amendments 1.

SSHB1117 4878 5568 HOUSE SUMMARY OF SENATE AMENDMENTS HB 1117 2026 Regular Session Firment INSURANCE: Provides relative to certain insurer contractual payments and prescriptive period Synopsis of Senate Amendments 1.
Makes technical changes.
2.
Prohibits an insurer's payment under the terms of its policy of insurance, instead of contract, classified and defined pursuant to present law from being considered as an acknowledgment of a debt or otherwise serve to extend the contractually defined prescriptive period which begins running at the inception of loss.

House Vote on HB 1117 REJECT SENATE AMENDMENTS (#1442)

Filed

Plain English: 2026 Regular Session Sequence: 1442 HBS AMENDED BY SENATE TO BE CONCURRED IN HB 1117 BY FIRMENT REJECT SENATE AMENDMENTS Date: 5/20/2026 Time: 2:47:33 PM ROLL CALL The roll was called with the following result: YEAS Adams Amedee Bacala Bamburg Beaullieu Berault Billings Boudreaux Bourriaque Boyd Boyer Brass Braud Broussard Bryant Butler Carpenter Carrier Carter, R.

2026 Regular Session Sequence: 1442 HBS AMENDED BY SENATE TO BE CONCURRED IN HB 1117 BY FIRMENT REJECT SENATE AMENDMENTS Date: 5/20/2026 Time: 2:47:33 PM ROLL CALL The roll was called with the following result: YEAS Adams Amedee Bacala Bamburg Beaullieu Berault Billings Boudreaux Bourriaque Boyd Boyer Brass Braud Broussard Bryant Butler Carpenter Carrier Carter, R.
Carver Chenevert Coates Cox Crews Deshotel Dewitt Dickerson Domangue Echols Edmonston Egan Farnum Firment Fisher Fontenot Freeman Freiberg Gadberry Geymann Glorioso Green Hebert Henry, C.
Henry, D.
Horton Illg Jackson Johnson, M.

Senate Floor Amendment #3692 Duplessis Adopted

Adopted

Plain English: SFAHB1117 2810 3692 SENATE FLOOR AMENDMENTS 2026 Regular Session Amendments proposed by Senator Duplessis to Engrossed House Bill No.

SFAHB1117 2810 3692 SENATE FLOOR AMENDMENTS 2026 Regular Session Amendments proposed by Senator Duplessis to Engrossed House Bill No.
1117 by Representative Firment 1 AMENDMENT NO.
1 2 On page 1, line 4, after "effectiveness;" insert "to provide for written notice;" 3 AMENDMENT NO.
2 4 On page 1, at the beginning of line 9, change "B." to "B.(1)" 5 AMENDMENT NO.

Senate Committee Amendment #2873 INS Adopted

Adopted

Plain English: SCAHB1117 3275 2873 SENATE COMMITTEE AMENDMENTS 2026 Regular Session Amendments proposed by Senate Committee on Insurance to Engrossed House Bill No.

SCAHB1117 3275 2873 SENATE COMMITTEE AMENDMENTS 2026 Regular Session Amendments proposed by Senate Committee on Insurance to Engrossed House Bill No.
1117 by Representative Firment 1 AMENDMENT NO.
1 2 On page 1, at the end of line 18, delete "its" 3 AMENDMENT NO.
2 4 On page 1, at the beginning of line 19, delete "contract" and insert in lieu thereof "a policy 5 of insurance classified and defined in R.S.

Senate Committee Amendment #2850 INS Draft

Draft

Plain English: SCAHB1117 3275 2850 SENATE COMMITTEE AMENDMENTS 2026 Regular Session Amendments proposed by Senate Committee on Insurance to Engrossed House Bill No.

SCAHB1117 3275 2850 SENATE COMMITTEE AMENDMENTS 2026 Regular Session Amendments proposed by Senate Committee on Insurance to Engrossed House Bill No.
1117 by Representative Firment 1 AMENDMENT NO.
1 2 On page 2, at the end of line 2, after "loss." insert "Such payment to an insured shall include 3 a cover letter that includes the following disclaimer: "This payment shall not constitute an 4 acknowledgment that the insurance company is obligated for this claim and this payment 5 does not interrupt the prescription period for you to assert your legal rights."" Page 1 of 1

Senate Committee Amendment #2782 INS Draft

Draft

Plain English: SCAHB1117 3275 2782 SENATE COMMITTEE AMENDMENTS 2026 Regular Session Amendments proposed by Senate Committee on Insurance to Engrossed House Bill No.

SCAHB1117 3275 2782 SENATE COMMITTEE AMENDMENTS 2026 Regular Session Amendments proposed by Senate Committee on Insurance to Engrossed House Bill No.
1117 by Representative Firment 1 AMENDMENT NO.
1 2 On page 1, at the end of line 18, delete "its" 3 AMENDMENT NO.
2 4 On page 1, at the beginning of line 19, delete "contract" and insert in lieu thereof "a policy 5 of insurance classified and defined in R.S.

Bill History

2026-06-09 H
Effective date: See Act.
2026-06-09 H
Signed by the Governor. Becomes Act No. 876.
2026-06-04 H
Sent to the Governor for executive approval.
2026-06-01 S
Signed by the President of the Senate.
2026-06-01 H
Enrolled and signed by the Speaker of the House.
2026-05-31 S
Conference Committee Report read; adopted by a vote of 35 yeas and 0 nays.
2026-05-31 S
Notice House adopted the Conference Committee Report.
2026-05-31 H
Conference Committee Report read, roll called, yeas 91, nays 0. The Conference Committee Report was adopted.
2026-05-29 H
Scheduled for floor debate on 05/31/2026.
2026-05-28 S
Conference committee report received.
2026-05-28 H
Conference Committee report received. Lies over under the rules.
2026-05-26 H
Notice of Senate conferees appointed.
2026-05-25 S
Notice House Conference Committee members appointed.
2026-05-25 S
Senate conference committee members appointed: Seabaugh, Bass, and Duplessis.
2026-05-25 H
House conferees appointed: Firment, Mike Johnson, and Melerine.
2026-05-20 S
Notice House rejected the Senate amendments.
2026-05-20 H
Read by title, roll called, yeas 93, nays 0, Senate amendments rejected, conference committee appointment pending.
2026-05-19 H
Scheduled for concurrence on 05/20/2026.
2026-05-13 H
Received from the Senate with amendments.
2026-05-12 S
Rules suspended. Senate floor amendments read and adopted. Read by title, passed by a vote of 35 yeas and 0 nays, and ordered returned to the House. Motion to reconsider tabled.
2026-05-04 S
Reported without Legislative Bureau amendments. Read by title and passed to third reading and final passage.
2026-04-29 S
Committee amendments read and adopted. Read by title and referred to the Legislative Bureau.
2026-04-28 S
Reported with amendments.
2026-04-22 S
Read second time by title and referred to the Committee on Insurance.
2026-04-21 S
Received in the Senate. Rules suspended. Read first time by title and placed on the Calendar for a second reading.
2026-04-21 H
Read third time by title, roll called on final passage, yeas 95, nays 3. Finally passed, title adopted, ordered to the Senate.
2026-04-20 H
Scheduled for floor debate on 04/21/2026.
2026-04-15 H
Read by title, ordered engrossed, passed to 3rd reading.
2026-04-14 H
Reported favorably (10-0).
2026-04-01 H
Read by title, under the rules, referred to the Committee on Insurance.
2026-03-31 H
Read by title. Lies over under the rules.

Official Summary Text

INSURANCE: Provides relative to certain insurer contractual payments and prescriptive period

Current Bill Text

Read the full stored bill text

ENROLLED
ACT No. 8762026 Regular Session
HOUSE BILL NO. 1117
BY REPRESENTATIVE FIRMENT
1 AN ACT
2 To amend and reenact R.S. 22:868(B), relative to certain insurer contractual payments; to
3 provide for prescriptive periods; to provide for payment under terms of contracts; to
4 provide for effectiveness; to provide for written notice; and to provide for related
5 matters.
6 Be it enacted by the Legislature of Louisiana:
7 Section 1. R.S. 22:868(B) is hereby amended and reenacted to read as follows:
8 §868. Limiting actions; jurisdiction; venue
9 * * *
10 B.(1) No insurance contract delivered or issued for delivery in this state and
11 covering subjects located, resident, or to be performed in this state, or any health and
12 accident policy insuring a resident of this state regardless of where made or
13 delivered, shall contain any condition, stipulation, or agreement limiting right of
14 action against the insurer to a period of less than twenty-four months next after the
15 inception of the loss when the claim is a first-party claim, as defined in R.S. 22:1692,
16 and arises under any insurance classified and defined in R.S. 22:47(6), (10), (11),
17 (12), (13), (15), and (19) or to a period of less than one year from the time when the
18 cause of action accrues in connection with all other insurances unless otherwise
19 specifically provided in this Code. An insurer's payment under the terms of a policy
20 of insurance classified and defined in R.S. 22:47(6), (10) through (13), (15), and (19)
21 shall not be considered the acknowledgment of a debt or otherwise serve to extend
22 the contractually defined prescriptive period which begins running at the inception
23 of the loss.
Page 1 of 2
CODING: Words in struck through type are deletions from existing law; words underscored
are additions.
HB NO. 1117 ENROLLED
1 (2) If an insurer issues an unconditional payment on a claim filed under the
2 dwelling coverage or other structures coverage of a homeowners' policy, the insurer
3 shall provide written notice to the claimant that the payment does not interrupt,
4 suspend, or otherwise extend the prescription period applicable to the claim.
5 * * *
6 Section 2. The provisions of R.S. 22:868(B)(2) as amended and reenacted by Section
7 1 of this Act shall become effective on January 1, 2027.
8 Section 3. Section 2, the provisions of R.S. 22:868(B)(1) as amended and reenacted
9 by Section 1, and Section 3 of this Act shall become effective upon signature by the
10 governor or, if not signed by the governor, upon expiration of the time for bills to become
11 law without signature by the governor, as provided by Article III, Section 18 of the
12 Constitution of Louisiana. If vetoed by the governor and subsequently approved by the
13 legislature, this Act shall become effective on the day following such approval.
SPEAKER OF THE HOUSE OF REPRESENTATIVES
PRESIDENT OF THE SENATE
GOVERNOR OF THE STATE OF LOUISIANA
APPROVED:
Page 2 of 2
CODING: Words in struck through type are deletions from existing law; words underscored
are additions.