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Committee defers Jordan's bill on insurer nonrenewals after industry objections
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Summary
Representative Jordan proposed HB408 to require insurers to state reasons for nonrenewal and give homeowners time to mitigate, but industry witnesses and several members raised operational and timing concerns; Jordan voluntarily deferred the bill to work with stakeholders.
Representative Jordan told the House Insurance Committee his bill, HB408, is intended to increase transparency when insurers decline to renew homeowners policies by requiring a stated reason and giving policyholders a chance to correct stated deficiencies.
“...if the fact is — you’re telling me that you don't want to renew my policy because my roof is more than 10 years old, and I go and I replace the roof ... then that should mitigate the issue,” Jordan said, explaining his intent to give homeowners a window to remedy correctable risks.
Committee members pressed for specifics: who determines whether a mitigation step is sufficient, how long a homeowner should have to comply, and how the proposal interacts with a separate statutory change that takes effect July 1 requiring insurers to include the cause for nonrenewal. Vice Chair Yoke asked whether industries accept a 60‑day window; Jordan said he was open to reducing his proposed 90 days to 60.
Industry representatives said the bill as filed goes too far. “The 90 days is unworkable,” said Jimmy Ordino of Farm Bureau, citing operational and premium‑collection concerns when an insurer would remain on the risk after policy expiration. Rodney Braxton of the Insurance Council of Louisiana characterized the measure as premature given the July 1 changes requiring cause in nonrenewal notices. Kellen Matthews of State Farm and Kevin Cunningham of APCIA raised questions about who decides mitigation, inconsistent notice language across carriers and the risk of unintended market responses if insurers face new exposure.
After an extended exchange with committee members and trade groups, Jordan said he would “voluntarily defer the bill for now” and work with members and industry to narrow language and align it with upcoming statutory changes.
What’s next: HB408 is voluntarily deferred so sponsors and stakeholders can refine the language, including the mitigation timeframe and interaction with the law effective July 1.
