Louisiana Revised Statutes Tit. 22, § 1483.2. Fortified roof endorsement; mandatory offer

A. Any authorized insurer writing homeowners' insurance policies shall offer an endorsement to upgrade an insured's nonfortified home to comply with the fortified roof standards of the Insurance Institute for Business and Home Safety, if the insured incurs damage covered by the policy that requires the roof to be replaced. The endorsement shall upgrade the home consistent with the fortified requirements for the geographic area in which the home is located.

B. The endorsement offer provided for in Subsection A of this Section shall be made at the time of writing a new policy on a nonfortified home and upon first renewal of an existing policy on a nonfortified home after December 31, 2023.

C. Insurers required to make an endorsement offer pursuant to this Section shall file endorsement forms and accompanying rates with the department by October 1, 2023.