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Louisiana’s Act 144: What Roofing Contractors Need to Know

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Louisiana’s Act 144: What Roofing Contractors Need to Know
On This Page
  1. What Contractors Can and Cannot Do Under Act 144
  2. Penalties for Violating Act 144
  3. Protect Your Business

If you’re a roofing or construction contractor in Louisiana, recent changes to the law mean your role in insurance claims is changing. Act 144 (House Bill 121, 2025 Regular Session), effective August 1, 2025, restricts how contractors can interact with homeowners and insurance companies. For contractors seeking guidance on navigating these rules, consulting a New Orleans Insurance Claims Lawyer can help protect your business and ensure compliance.

What Contractors Can and Cannot Do Under Act 144

Prohibited Actions:

  • Advertising insurance claims services: You cannot market yourself as an “insurance claims specialist” or offer claims handling services.
  • Handling or interpreting claims: Contractors cannot interpret policies or handle claims on behalf of homeowners.
  • Using contingency agreements: Contracts cannot tie your payment to insurance claim approval.
  • Combining construction and claims services: Public adjusters cannot perform construction work on claims they handle.
  • Skipping good faith estimates: Every repair agreement must include a detailed, itemized estimate.

Permitted Communication With Insurers:

  • Sending itemized estimates for repairs.
  • Discussing the scope of necessary repairs.
  • Presenting material and labor costs.
  • Explaining building code requirements relevant to repairs.

Prohibited Communication:

  • Negotiating settlements with insurers.
  • Interpreting what is covered under a homeowner’s policy.
  • Advertising claims services or soliciting insurance claims.

The key distinction: contractors focus on repairs; licensed adjusters handle insurance coverage.

For a free legal consultation, call (800) 941-1041

Penalties for Violating Act 144

Contractors who fail to comply may face:

  • License suspension, probation, or revocation
  • Fines based on contract value
  • Cease-and-desist orders or lawsuits

Protect Your Business

Act 144 is designed to prevent conflicts of interest and unlicensed claims handling. Contractors should focus on providing accurate estimates, repair scope, and code-compliant work, while leaving claims negotiation and policy interpretation to licensed adjusters or attorneys.

For contractors in Louisiana, having expert legal guidance can help your business stay compliant and avoid penalties. At Barcus Arenas, PLLC, we assist roofing and construction contractors in navigating these changes safely and confidently.

Call or text (800) 941-1041 or complete a Free Case Evaluation form

Frequently Asked Questions

  • First, document everything - take photos and videos of the damage and keep all repair estimates and receipts. Then, file a claim with your insurance company as soon as possible. If your claim is delayed, underpaid, or denied, contact us immediately to protect your rights and maximize your payout.

  • Insurance companies delay claims hoping you’ll give up or accept a low payout. If you’re getting the runaround, we can step in, demand answers, and push for a fair settlement. The longer they stall, the worse it can be for you - don’t wait to get legal help.

  • Yes! Insurers often wrongfully deny claims by misinterpreting policies or using loopholes. We’ll review your policy, investigate the damage, and challenge their denial to fight for the compensation you’re entitled to.

  • Probably not. Insurers frequently undervalue claims to save money. Before accepting anything, let us review your offer. We often uncover damages and policy benefits that were overlooked, which can result in a significantly higher payout.

  • Yes, but it’s best to consult us first. Insurers may argue that repairs make it harder to assess the original damage. If you’ve already started, keep detailed records of all expenses and contact us to ensure your claim is handled properly.

  • If your insurance company is delaying, denying, or underpaying your claim, or if you feel like you’re not being treated fairly, it’s time to talk to us. We specialize in fighting back against insurance companies to get you the compensation you deserve.

Frequently Asked Questions
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