LA Dept of Insurance

“Justice was served today… This trial shows how systemic insurance fraud can be, and I am committed to working with our law enforcement partners to stop criminals like these and make Louisiana a national leader in the fight against insurance fraud.” bit.ly/4bpprWR

𝗦𝗲𝗻𝗶𝗼𝗿 𝗛𝗲𝗮𝗹𝘁𝗵 𝗜𝗻𝗳𝗼𝗿𝗺𝗮𝘁𝗶𝗼𝗻 𝗣𝗿𝗼𝗴𝗿𝗮𝗺 (𝗦𝗛𝗜𝗣) 𝘁𝗲𝗮𝗺 𝗺𝗲𝗺𝗯𝗲𝗿𝘀 𝗔𝗹𝗱𝗲𝗻 𝗖𝗲𝗮𝘀𝗲𝗿 𝗮𝗻𝗱 𝗧𝗮𝗺𝗺𝗶𝗲 𝗪𝗼𝗹𝗳𝗲 𝗺𝗲𝘁 𝘄𝗶𝘁𝗵 𝗮𝘁𝘁𝗲𝗻𝗱𝗲𝗲𝘀 𝗼𝗳 𝘁𝗵𝗲 @alzassociation 𝗖𝗮𝗿𝗲𝗴𝗶𝘃𝗲𝗿 𝗖𝗼𝗻𝗳𝗲𝗿𝗲𝗻𝗰𝗲 in Lafayette this week. Outreach and education by our SHIP team serves as a critical, unbiased bridge for families navigating the complexities of Alzheimer’s disease and insurance coverage. Tammie and Ceaser provided 𝗶𝗻𝗳𝗼𝗿𝗺𝗮𝘁𝗶𝗼𝗻 𝘁𝗼 𝗳𝗮𝗺𝗶𝗹𝗶𝗲𝘀 𝗮𝗯𝗼𝘂𝘁 𝘁𝗵𝗲 𝗰𝗼𝗺𝗽𝗹𝗲𝘅𝗶𝘁𝗶𝗲𝘀 𝗼𝗳 𝗠𝗲𝗱𝗶𝗰𝗮𝗿𝗲 𝗰𝗼𝘃𝗲𝗿𝗮𝗴𝗲 𝗳𝗼𝗿 𝗔𝗹𝘇𝗵𝗲𝗶𝗺𝗲𝗿 𝗽𝗮𝘁𝗶𝗲𝗻𝘁𝘀 – 𝘄𝗵𝗮𝘁 𝗶𝘀 𝗰𝗼𝘃𝗲𝗿𝗲𝗱 𝗮𝗻𝗱 𝘄𝗵𝗮𝘁 𝗶𝘀 𝗻𝗼𝘁 𝗰𝗼𝘃𝗲𝗿𝗲𝗱 – 𝗮𝗻𝗱 𝗵𝗼𝘄 𝘁𝗼 𝗺𝗮𝘅𝗶𝗺𝗶𝘇𝗲 𝘁𝗵𝗲𝗶𝗿 𝗲𝘅𝗶𝘀𝘁𝗶𝗻𝗴 𝗠𝗲𝗱𝗶𝗰𝗮𝗿𝗲 𝗯𝗲𝗻𝗲𝗳𝗶𝘁𝘀 to cover medical costs so they can preserve personal savings for the non-covered long-term care expenses.

𝗩𝗲𝗵𝗶𝗰𝗹𝗲 𝘁𝗵𝗲𝗳𝘁𝘀 𝗰𝗼𝗻𝘁𝗶𝗻𝘂𝗲 𝘁𝗼 𝗱𝗲𝗰𝗹𝗶𝗻𝗲 📉🚗) The numbers are in! According to the National Insurance Crime Bureau (NICB), 𝘃𝗲𝗵𝗶𝗰𝗹𝗲 𝘁𝗵𝗲𝗳𝘁𝘀 𝗮𝗰𝗿𝗼𝘀𝘀 𝘁𝗵𝗲 𝗨.𝗦. 𝗱𝗲𝗰𝗿𝗲𝗮𝘀𝗲𝗱 𝗯𝘆 𝟮𝟯% 𝗶𝗻 𝟮𝟬𝟮𝟱, reaching their lowest levels in decades. 𝗪𝗵𝘆 𝘁𝗵𝗶𝘀 𝗺𝗮𝘁𝘁𝗲𝗿𝘀? When there are less thefts, there are fewer insurance claims for insurance companies to pay out. And claims are a cost driver of your insurance premiums. 𝗧𝗵𝗲 𝗛𝗶𝗴𝗵𝗹𝗶𝗴𝗵𝘁𝘀: 📉 This 23% decline follows a 17% drop in 2024. 📉 Washington had the largest change with a 39% decrease, followed by Colorado (-35%) and Puerto Rico (-34%). 🚘 Most stolen cars: Hyundai Elantra, 21,732 thefts; Honda Accord, 17,797; Hyundai Sonata, 17,687; and Chevrolet Silverado, 16,764. 🔗 𝗥𝗲𝗮𝗱 𝘁𝗵𝗲 𝗳𝘂𝗹𝗹 𝗿𝗲𝗽𝗼𝗿𝘁 𝗵𝗲𝗿𝗲: buff.ly/W7mlt2x #CarTheft #InsuranceRates #NICB #VehicleSecurity #SmartDriving #SaveMoney

On the @MoonGriffon Show earlier this week, 𝗖𝗼𝗺𝗺𝗶𝘀𝘀𝗶𝗼𝗻𝗲𝗿 𝗧𝗲𝗺𝗽𝗹𝗲 𝗱𝗶𝘀𝗰𝘂𝘀𝘀𝗲𝗱 𝗽𝗮𝘀𝘁 𝗮𝗻𝗱 𝘂𝗽𝗰𝗼𝗺𝗶𝗻𝗴 𝗹𝗲𝗴𝗶𝘀𝗹𝗮𝘁𝗶𝗼𝗻 𝘁𝗼 𝗮𝗱𝗱𝗿𝗲𝘀𝘀 𝘁𝗵𝗲 𝗵𝗶𝗴𝗵 𝗰𝗼𝘀𝘁 𝗼𝗳 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲. He said the strategy this year is “𝘁𝗼 𝗸𝗲𝗲𝗽 𝘁𝗵𝗲 𝗺𝗼𝗺𝗲𝗻𝘁𝘂𝗺 𝗴𝗼𝗶𝗻𝗴.” He then outlined several bills designed to add transparency to lawsuits and a bill to limit damage awards. “We have to do something to combat against large verdicts and settlements.” 𝗧𝗼 𝗹𝗶𝘀𝘁𝗲𝗻 𝘁𝗼 𝘁𝗵𝗲 𝗳𝘂𝗹𝗹 𝗰𝗼𝗻𝘃𝗲𝗿𝘀𝗮𝘁𝗶𝗼𝗻, go to the 1:18:00 time stamp on the podcast here: buff.ly/k7jXjSG

The trial of the so-called slammers in New Orleans this week is a stark reminder that 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗳𝗿𝗮𝘂𝗱 𝗶𝘀𝗻'𝘁 𝗷𝘂𝘀𝘁 𝗮 "𝗯𝗶𝗴 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀" 𝗽𝗿𝗼𝗯𝗹𝗲𝗺—𝗶𝘁'𝘀 𝗮 𝗱𝗶𝗿𝗲𝗰𝘁 𝗵𝗶𝘁 𝘁𝗼 𝘁𝗵𝗲 𝘄𝗮𝗹𝗹𝗲𝘁𝘀 𝗼𝗳 𝗲𝘃𝗲𝗿𝘆 𝗱𝗿𝗶𝘃𝗲𝗿 in Louisiana. 𝗖𝗼𝗺𝗺𝗶𝘀𝘀𝗶𝗼𝗻𝗲𝗿 𝗧𝗲𝗺𝗽𝗹𝗲 𝘀𝗮𝘁 𝗱𝗼𝘄𝗻 𝘄𝗶𝘁𝗵 @FOX8NOLA's 𝗧𝗵𝗮𝗻𝗵 𝗧𝗿𝘂𝗼𝗻𝗴 to discuss the toll these staged accidents take on our state. As the trial reveals the inner workings of these scams, the 𝗺𝗶𝘀𝘀𝗶𝗼𝗻 𝗮𝘁 𝘁𝗵𝗲 𝗟𝗗𝗜 𝗶𝘀 𝗰𝗹𝗲𝗮𝗿: 𝗺𝗮𝗸𝗲 𝗳𝗿𝗮𝘂𝗱 𝗵𝗶𝗴𝗵-𝗿𝗶𝘀𝗸 𝗮𝗻𝗱 𝘇𝗲𝗿𝗼-𝗿𝗲𝘄𝗮𝗿𝗱. How we’re fighting back: 💻 𝗔𝗱𝘃𝗮𝗻𝗰𝗲𝗱 𝗧𝗲𝗰𝗵𝗻𝗼𝗹𝗼𝗴𝘆: We’ve invested in cutting-edge anti-fraud tech designed to flag large-scale, suspicious patterns before they pay out. 🧑‍💻 𝗜𝗻𝗰𝗿𝗲𝗮𝘀𝗲𝗱 𝗣𝗲𝗿𝘀𝗼𝗻𝗻𝗲𝗹: Our Office of Insurance Fraud has expanded its team to investigate and dismantle organized rings. "Insurance fraud is appealing for organized crime because it serves as a profitable and low-risk venture," says Commissioner Temple. "We are changing that equation."

𝗙𝗿𝗮𝘂𝗱 𝗶𝘀𝗻'𝘁 𝗮 𝘃𝗶𝗰𝘁𝗶𝗺𝗹𝗲𝘀𝘀 𝗰𝗿𝗶𝗺𝗲—𝗶𝘁'𝘀 𝗮 𝘁𝗮𝘅 𝗼𝗻 𝗲𝘃𝗲𝗿𝘆 𝗟𝗼𝘂𝗶𝘀𝗶𝗮𝗻𝗮 𝗱𝗿𝗶𝘃𝗲𝗿. 🛑🚗 The latest news from the NOLA Slammer/staged-accident trial 𝗲𝘅𝗽𝗼𝘀𝗲𝘀 𝘁𝗵𝗲 𝗺𝗮𝘀𝘀𝗶𝘃𝗲 𝘀𝗰𝗵𝗲𝗺𝗲 𝘁𝗼 𝘀𝘁𝗮𝗴𝗲 𝘄𝗿𝗲𝗰𝗸𝘀 𝗮𝗻𝗱 𝗰𝗼𝗹𝗹𝗲𝗰𝘁 𝗰𝗵𝗲𝗰𝗸𝘀. 💥 This wasn't just a few accidents; it was a sophisticated ring that includes street-level slammers and lawsuit-ready attorneys. 𝗪𝗵𝗮𝘁 𝗶𝘁 𝗺𝗲𝗮𝗻𝘀 𝘁𝗼 𝘆𝗼𝘂? Not only did the scheme cost insurers millions, those costs also eventually trickle down to 𝘆𝗼𝘂𝗿 𝗺𝗼𝗻𝘁𝗵𝗹𝘆 𝗽𝗿𝗲𝗺𝗶𝘂𝗺𝘀. At the Louisiana Department of Insurance, we are committed to working with federal and local partners to root out these "slammers" and protect honest policyholders. 𝗢𝘂𝗿 𝗴𝗼𝗮𝗹: A fair and stable insurance market for everyone. When we stop fraud, we help stabilize rates for all Louisiana families. 𝗥𝗲𝗮𝗱 𝘁𝗵𝗲 𝗳𝘂𝗹𝗹 𝘂𝗽𝗱𝗮𝘁𝗲 from @TheAdvocateNOLA: 🔗 buff.ly/bBa63EG #InsuranceFraud #Slammers #ProtectYourPocket #LouisianaNews

@CommTemple said in his presentation that while we are "average" in terms of accident frequency and repair costs, two outliers drive the high rates of auto coverage: ⚖️ Litigation: Louisiana claims result in lawsuits at 2.5x the national average. 🏥 Injury Claims: We file bodily injury claims at 2x the national average.

𝗦𝗲𝘃𝗲𝗿𝗲 𝘄𝗲𝗮𝘁𝗵𝗲𝗿, 𝗳𝗿𝗲𝗲𝘇𝗶𝗻𝗴 𝗽𝗶𝗽𝗲𝘀, 𝗮𝗻𝗱 𝗻𝗼𝘄 𝗮 𝗵𝗲𝗮𝘁 𝗮𝗱𝘃𝗶𝘀𝗼𝗿𝘆? 𝗪𝗲𝗹𝗰𝗼𝗺𝗲 𝘁𝗼 𝘀𝗽𝗿𝗶𝗻𝗴 𝗶𝗻 𝗟𝗼𝘂𝗶𝘀𝗶𝗮𝗻𝗮! It’s hard to keep up when the forecast changes every 24 hours. Don’t get caught off guard by the next "dive" in temperature or a sudden storm. With the 𝗟𝗗𝗜𝗖𝗼𝗻𝗻𝗲𝗰𝘁 𝗮𝗽𝗽, you don’t have to go searching for updates. We bring the alerts to you the moment things get serious. 𝗪𝗵𝘆 𝗱𝗼𝘄𝗻𝗹𝗼𝗮𝗱? ✅ Real-time weather alerts tailored to your area. ✅ Essential insurance recovery resources at your fingertips. ✅ No more guessing—just the facts when they matter most. Stop being at the mercy of the "refresh" button. 𝗗𝗼𝘄𝗻𝗹𝗼𝗮𝗱 𝗟𝗗𝗜𝗖𝗼𝗻𝗻𝗲𝗰𝘁 𝘁𝗼𝗱𝗮𝘆 and let us keep watch for you. 🛡️📲 𝗪𝗮𝘁𝗰𝗵 𝗼𝘂𝗿 𝗟𝗗𝗜𝗖𝗼𝗻𝗻𝗲𝗰𝘁 𝘃𝗶𝗱𝗲𝗼 𝗵𝗲𝗿𝗲: buff.ly/GqaK39x #LouisianaWeather #LDIConnect #StayInformed #BeInsuranceReay

𝗖𝗼𝗻𝗻𝗲𝗰𝘁𝗶𝗻𝗴 𝘄𝗶𝘁𝗵 𝗼𝘂𝗿 𝗰𝗼𝗺𝗺𝘂𝗻𝗶𝘁𝘆 𝗶𝗻 𝗦𝗹𝗶𝗱𝗲𝗹𝗹! 🤝 Our Office of Consumer Advocacy & Diversity has been hitting the road to ensure Louisiana residents stay informed. Most recently, 𝗣𝗿𝗲𝘀𝘁𝗼𝗻 𝗞𝘆𝗹𝗲 and 𝗖𝗼𝗹𝗯𝘆 𝗕𝗶𝗹𝗹𝗶𝗼𝘁 joined the Slidell chapter of the @NARFE for a productive educational session. The feedback was fantastic! The event organizer shared: "𝑇ℎ𝑒𝑦 𝑎𝑟𝑒 𝑎 𝑔𝑜𝑜𝑑 𝑡𝑒𝑎𝑚 𝑎𝑛𝑑 𝑔𝑎𝑣𝑒 𝑢𝑠 𝑎 𝑙𝑜𝑡 𝑜𝑓 𝑔𝑟𝑒𝑎𝑡 𝑖𝑛𝑓𝑜𝑟𝑚𝑎𝑡𝑖𝑜𝑛. 𝑊𝑒 𝑡𝑟𝑢𝑙𝑦 𝑎𝑝𝑝𝑟𝑒𝑐𝑖𝑎𝑡𝑒 𝑦𝑜𝑢𝑟 ℎ𝑒𝑙𝑝 𝑎𝑛𝑑 𝑠𝑒𝑟𝑣𝑖𝑐𝑒 𝑡𝑜 𝑢𝑠. 𝑊𝑒 𝑤𝑖𝑙𝑙 𝑏𝑒 𝑐𝑜𝑛𝑡𝑎𝑐𝑡𝑖𝑛𝑔 𝐿𝐷𝐼 𝑤ℎ𝑒𝑛 𝑤𝑒 𝑛𝑒𝑒𝑑 𝑠𝑝𝑒𝑎𝑘𝑒𝑟𝑠 𝑓𝑜𝑟 𝑓𝑢𝑡𝑢𝑟𝑒 𝑒𝑣𝑒𝑛𝑡𝑠." We take pride in being a resource for our federal retirees and active employees. Pictured here are Colby and Preston with President Cindy Arsenaux. 📸 #TeamLDI #ConsumerAdvocacy #SlidellLA #CommunityOutreach

🚨 𝗝𝘂𝘀𝘁 𝗵𝗶𝘁 𝗯𝘆 𝘀𝗲𝘃𝗲𝗿𝗲 𝘄𝗲𝗮𝘁𝗵𝗲𝗿? 𝗗𝗼𝗻'𝘁 𝗻𝗮𝘃𝗶𝗴𝗮𝘁𝗲 𝘁𝗵𝗲 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗺𝗮𝘇𝗲 𝗮𝗹𝗼𝗻𝗲. Our 𝗔𝗳𝘁𝗲𝗿 𝘁𝗵𝗲 𝗦𝘁𝗼𝗿𝗺 𝗚𝘂𝗶𝗱𝗲 covers the essentials: ✅ Neighbor’s fallen trees ✅ Flood vs. Wind coverage ✅ Federal assistance facts Don’t wait until you’re overwhelmed—get your checklist now: 👉 𝗗𝗼𝘄𝗻𝗹𝗼𝗮𝗱 𝘁𝗵𝗲 𝗚𝘂𝗶𝗱𝗲 𝗳𝗿𝗼𝗺 𝗼𝘂𝗿 𝘄𝗲𝗯𝘀𝗶𝘁𝗲: buff.ly/XabjLsn #LDI #LouisianaStrong #StormDamage #InsuranceTips #BePrepared

𝗬𝗼𝘂 𝗰𝗮𝗻’𝘁 𝗺𝗮𝗸𝗲 𝘁𝗵𝗶𝘀 𝘂𝗽: 𝗪𝗶𝘁𝗻𝗲𝘀𝘀 𝘁𝗲𝗹𝗹𝘀 𝗵𝗼𝘄 𝘁𝗼 𝗿𝗶𝗽 𝗼𝗳𝗳 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗰𝗼𝗺𝗽𝗮𝗻𝗶𝗲𝘀. This article in @theadvocatebr describes a trial in New Orleans with testimony from a “slammer” – a person who deliberately drove his car into 18-wheelers to collect big insurance payouts. 𝗜𝗻 𝗵𝗶𝘀 𝗼𝘄𝗻 𝘄𝗼𝗿𝗱𝘀: 🦈 “If you paid the slammers directly, you could 𝗰𝗵𝗼𝗼𝘀𝗲 𝘆𝗼𝘂𝗿 𝗼𝘄𝗻 𝗹𝗮𝘄𝘆𝗲𝗿 𝘁𝗼 𝘀𝘂𝗲 𝗳𝗼𝗿 𝗯𝗼𝗴𝘂𝘀 𝗶𝗻𝗷𝘂𝗿𝗶𝗲𝘀.” 🦈 “I started slamming. 𝗢𝗻𝗰𝗲 𝗜 𝗯𝗲𝗰𝗮𝗺𝗲 𝗳𝗿𝗶𝗲𝗻𝗱𝘀 𝘄𝗶𝘁𝗵 𝗮 𝗽𝗮𝗿𝘁𝗶𝗰𝘂𝗹𝗮𝗿 𝗮𝘁𝘁𝗼𝗿𝗻𝗲𝘆, 𝗶𝘁 𝘄𝗮𝘀 𝗱𝗼𝗻𝗲. I had it all. I had the whole situation.” 🦈 The slammer testified that an attorney (who represented him) “knew the collisions were staged. 𝗧𝗵𝗲𝘆 𝗻𝗲𝗴𝗼𝘁𝗶𝗮𝘁𝗲𝗱 𝗿𝗮𝘁𝗲𝘀: $𝟭,𝟬𝟬𝟬 𝗳𝗼𝗿 𝗲𝗮𝗰𝗵 𝗽𝗮𝘀𝘀𝗲𝗻𝗴𝗲𝗿 𝗶𝗻𝘃𝗼𝗹𝘃𝗲𝗱 with an 18-wheeler, $500 for regular staged accidents.” 💥 The slammer said he, “was 𝘀𝗰𝗵𝗼𝗼𝗹𝗲𝗱 𝗶𝗻 𝘁𝗵𝗲 𝗮𝗿𝘁 𝗼𝗳 𝘀𝘁𝗮𝗴𝗶𝗻𝗴 𝗰𝗿𝗮𝘀𝗵𝗲𝘀 by another accused slammer who also has pleaded guilty in the sprawling federal probe dubbed “Operation Sideswipe.” 𝗛𝗲𝗿𝗲’𝘀 𝗵𝗼𝘄 𝗶𝘁 𝘄𝗼𝗿𝗸𝗲𝗱: Three or four passengers to a car, one person would check their driver’s licenses and proof of insurance to ensure they could cash in. Riding off in an ambulance was to be avoided on the advice of the lawyers. 𝗥𝗲𝗮𝗱 𝘁𝗵𝗲 𝗳𝘂𝗹𝗹 𝘀𝘁𝗼𝗿𝘆 𝗵𝗲𝗿𝗲: buff.ly/buGyGfD

𝗢𝗻𝗲 𝗞𝗲𝘆 𝘁𝗼 𝗟𝗼𝘄𝗲𝗿 𝗥𝗮𝘁𝗲𝘀: 𝗦𝗵𝗼𝗽 𝗬𝗼𝘂𝗿 𝗣𝗼𝗹𝗶𝗰𝘆 @CommTemple often reminds people that one of the 𝗺𝗼𝘀𝘁 𝗲𝗳𝗳𝗲𝗰𝘁𝗶𝘃𝗲𝘀 𝘄𝗮𝘆𝘀 𝘁𝗼 𝗴𝗲𝘁 𝗹𝗼𝘄𝗲𝗿 𝗿𝗮𝘁𝗲𝘀 𝗳𝗼𝗿 𝘆𝗼𝘂𝗿 𝗵𝗼𝗺𝗲𝗼𝘄𝗻𝗲𝗿𝘀 𝗼𝗿 𝗮𝘂𝘁𝗼 𝗰𝗼𝘃𝗲𝗿𝗮𝗴𝗲 𝗶𝘀 𝘁𝗼 𝘀𝗵𝗼𝗽 𝗮𝗿𝗼𝘂𝗻𝗱 and compare prices. However, most people stick with the same policy year after year. A new study from the Independent Insurance Agents & Brokers of America finds 𝗼𝗻𝗹𝘆 𝘁𝗵𝗿𝗲𝗲 𝗶𝗻 𝟭𝟬 𝗽𝗲𝗼𝗽𝗹𝗲 𝗿𝗲𝘃𝗶𝗲𝘄 𝘁𝗵𝗲𝗶𝗿 𝗰𝗼𝘃𝗲𝗿𝗮𝗴𝗲 𝗼𝗿 𝘀𝗵𝗼𝗽 𝗳𝗼𝗿 𝗮 𝗯𝗲𝘁𝘁𝗲𝗿 𝗱𝗲𝗮𝗹 each year. Whether speaking to a local civic group, to a reporter or to elected officials, @CommTemple’s message doesn’t change, “𝗧𝗵𝗲 𝗺𝗮𝗶𝗻 𝘄𝗮𝘆 𝗽𝗲𝗼𝗽𝗹𝗲 𝗮𝗿𝗲 𝘀𝗮𝘃𝗶𝗻𝗴 𝗺𝗼𝗻𝗲𝘆 𝗿𝗶𝗴𝗵𝘁 𝗻𝗼𝘄 𝗶𝘀 𝗯𝘆 𝘀𝗵𝗼𝗽𝗽𝗶𝗻𝗴 𝗮𝗿𝗼𝘂𝗻𝗱. In just the past few months, we’ve begun hearing stories from people who are saving significant amounts of money on homeowners and auto by shopping around.” 𝗥𝗲𝗮𝗱 𝗺𝗼𝗿𝗲 about what others say about shopping your coverage: buff.ly/NL5huei

𝗦𝗼𝗴𝗴𝘆 𝗿𝘂𝗴𝘀 𝗼𝗿 𝗳𝘂𝗿𝗻𝗶𝘁𝘂𝗿𝗲? 𝗗𝗼𝗻'𝘁 𝘁𝗵𝗿𝗼𝘄 𝗶𝘁 𝗮𝘄𝗮𝘆 𝗷𝘂𝘀𝘁 𝘆𝗲𝘁. It’s tempting to clear out ruined furniture and carpet immediately, but your insurance adjuster needs to see the "proof of loss." 📸 𝗜𝗳 𝘆𝗼𝘂 𝗠𝗨𝗦𝗧 𝗱𝗶𝘀𝗰𝗮𝗿𝗱 𝗶𝘁𝗲𝗺𝘀 (for health or safety), take detailed photos of them first. 🌧️ 𝗦𝗮𝘃𝗲 "𝘀𝘄𝗮𝘁𝗰𝗵𝗲𝘀" of ruined carpet or fabric. 📸 𝗧𝗮𝗸𝗲 𝗽𝗵𝗼𝘁𝗼𝘀 𝗼𝗳 𝘀𝗲𝗿𝗶𝗮𝗹 𝗻𝘂𝗺𝗯𝗲𝗿𝘀 on appliances before they go to the curb. The more evidence you keep, the smoother your settlement will be.

📢 STAY INFORMED: As we monitor the latest updates from the @NWS and @GOHSEP, we want to ensure all Louisiana residents are prepared. High winds and localized flooding are possible in several areas tonight. Take a moment to: ✅ Check your "Game Plan" with GOHSEP. ✅ Monitor NWS for local watches and warnings. ✅ Download the LDI Connect app to keep your insurance info at your fingertips and receive official LDI alerts. Download LDI Connect here: [Link] #Louisiana #WeatherSafety #LDIConnect

𝗔𝘃𝗼𝗶𝗱𝗶𝗻𝗴 𝗖𝗼𝗻𝘁𝗿𝗮𝗰𝘁𝗼𝗿 𝗙𝗿𝗮𝘂𝗱: 𝗣𝗿𝗼𝘁𝗲𝗰𝘁 𝘆𝗼𝘂𝗿 𝘄𝗮𝗹𝗹𝗲𝘁 𝗳𝗿𝗼𝗺 "𝗦𝘁𝗼𝗿𝗺 𝗖𝗵𝗮𝘀𝗲𝗿𝘀. After a storm, fraudulent contractors often move into affected areas. Protect yourself: ⚠️ 𝗚𝗲𝘁 𝗶𝘁 𝗶𝗻 𝘄𝗿𝗶𝘁𝗶𝗻𝗴: Never accept a "handshake" deal. ⚠️ 𝗩𝗲𝗿𝗶𝗳𝘆 𝘁𝗵𝗲 𝗹𝗶𝗰𝗲𝗻𝘀𝗲: Ensure they are licensed and insured in Louisiana. ⚠️ 𝗔𝘃𝗼𝗶𝗱 𝗵𝘂𝗴𝗲 𝗱𝗲𝗽𝗼𝘀𝗶𝘁𝘀: Never pay the full amount upfront. If a deal seems too good to be true, it probably is. 𝗜𝗳 𝘆𝗼𝘂 𝘀𝘂𝘀𝗽𝗲𝗰𝘁 𝗳𝗿𝗮𝘂𝗱, 𝗿𝗲𝗽𝗼𝗿𝘁 𝗶𝘁 𝘁𝗼 𝘁𝗵𝗲 𝗟𝗗𝗜 𝗙𝗿𝗮𝘂𝗱 𝗗𝗶𝘃𝗶𝘀𝗶𝗼𝗻 𝗮𝘁 𝟭-𝟴𝟬𝟬-𝟮𝟱𝟵-𝟱𝟯𝟬𝟬. 🚨 Learn more from our video: buff.ly/0ENBWaI #StopFraud #LDI #ConsumerProtection #LouisianaBuilt

𝗣𝗼𝘀𝘁-𝗦𝘁𝗼𝗿𝗺 𝗖𝗹𝗲𝗮𝗻𝘂𝗽 & 𝗦𝗮𝗳𝗲𝘁𝘆. 𝗗𝗼𝗻'𝘁 𝗹𝗲𝘁 𝗮 "𝘀𝗲𝗰𝗼𝗻𝗱 𝗱𝗶𝘀𝗮𝘀𝘁𝗲𝗿" 𝗵𝗮𝗽𝗽𝗲𝗻 As we clear debris, keep these safety rules in mind: ⛈️ 𝗣𝗼𝘄𝗲𝗿 𝗟𝗶𝗻𝗲𝘀: Treat every downed wire as live. Stay at least 30 feet away and report them to your utility provider immediately. ⛈️ 𝗚𝗲𝗮𝗿 𝗨𝗽: Wear sturdy shoes, long sleeves, and heavy gloves. ⛈️ 𝗦𝘁𝗮𝗻𝗱𝗶𝗻𝗴 𝗪𝗮𝘁𝗲𝗿: Avoid wading in floodwater, which can hide glass, sewage or displaced wildlife. #SafetyFirst #BeInsuranceReady

𝗗𝗲𝗽𝘂𝘁𝘆 𝗖𝗼𝗺𝗺𝗶𝘀𝘀𝗶𝗼𝗻𝗲𝗿 @JohnParkerFord recently spoke to @YoungsvChamber about the Louisiana insurance market. Focusing on @CommTemple’s efforts to 𝗺𝗮𝗸𝗲 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗺𝗼𝗿𝗲 𝗮𝘃𝗮𝗶𝗹𝗮𝗯𝗹𝗲 𝗮𝗻𝗱 𝗮𝗳𝗳𝗼𝗿𝗱𝗮𝗯𝗹𝗲, he said. “The LDI team is working with the legislature to address three areas, “Improving the regulatory and legal environments and promoting resilience and mitigation strategies.” Ford also told attendees, 𝘁𝗵𝗲 𝗯𝗲𝘀𝘁 𝘄𝗮𝘆 𝘁𝗼 𝗶𝗺𝗺𝗲𝗱𝗶𝗮𝘁𝗲𝗹𝘆 𝘀𝗮𝘃𝗲 𝗺𝗼𝗻𝗲𝘆 𝗼𝗻 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗶𝘀 𝘁𝗼 𝘀𝗵𝗼𝗽 𝗮𝗿𝗼𝘂𝗻𝗱. “In just the past few months, we’ve begun hearing stories from people who are saving significant amounts of money on homeowners and auto by shopping for a less costly policy.”

If you received damage to your home or business from the storms earlier this week, here are 𝗳𝗶𝘃𝗲 𝘁𝗶𝗽𝘀 𝗶𝗳 𝘆𝗼𝘂 𝗻𝗲𝗲𝗱 𝘁𝗼 𝗳𝗶𝗹𝗲 𝗮 𝗰𝗹𝗮𝗶𝗺: •𝗖𝗼𝗻𝘁𝗮𝗰𝘁 𝘆𝗼𝘂𝗿 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗰𝗼𝗺𝗽𝗮𝗻𝘆 𝗼𝗿 𝗮𝗴𝗲𝗻𝘁 𝗳𝗶𝗿𝘀𝘁 to file a claim. •𝗧𝗮𝗸𝗲 𝗽𝗶𝗰𝘁𝘂𝗿𝗲𝘀 𝗼𝗿 𝘃𝗶𝗱𝗲𝗼 of the damage before cleaning up and making temporary repairs. •𝗣𝗿𝗲𝘃𝗲𝗻𝘁 𝗳𝘂𝗿𝘁𝗵𝗲𝗿 𝗱𝗮𝗺𝗮𝗴𝗲 by taking protective measures such as putting a tarp over roof damage or boarding up broken windows. Keep your receipts. •𝗗𝗼𝗻’𝘁 𝗯𝗲𝗰𝗼𝗺𝗲 𝗮 𝘃𝗶𝗰𝘁𝗶𝗺 𝗼𝗳 𝘀𝗰𝗮𝗺𝘀. Bad actors may try to take advantage of storm victims. •𝗚𝗲𝘁 𝘁𝗵𝗲 𝗹𝗶𝗰𝗲𝗻𝘀𝗲 𝗮𝗻𝗱 𝗶𝗱𝗲𝗻𝘁𝗶𝗳𝗶𝗰𝗮𝘁𝗶𝗼𝗻 from any adjuster or contractor. You can verify by calling us at 1-800-259-5300. 𝗗𝗲𝘁𝗮𝗶𝗹𝘀? Read our news release: buff.ly/CwSl0VQ

𝗗𝗶𝗱 𝗱𝗮𝗺𝗮𝗴𝗲 𝗳𝗿𝗼𝗺 𝘁𝗵𝗲 𝘀𝘁𝗼𝗿𝗺 𝗳𝗼𝗿𝗰𝗲 𝘆𝗼𝘂 𝘁𝗼 𝗺𝗼𝘃𝗲 𝘀𝗼𝗺𝗲𝗽𝗹𝗮𝗰𝗲 𝗲𝗹𝘀𝗲? 𝗖𝗵𝗲𝗰𝗸 𝘆𝗼𝘂𝗿 𝗔𝗟𝗘 𝗰𝗼𝘃𝗲𝗿𝗮𝗴𝗲. If your home is uninhabitable, most homeowners' policies include Additional Living Expenses (ALE). This can help cover: 💵 Hotel bills 💵 Restaurant meals 💵 Storage fees Note: ALE only covers the extra costs above your normal living expenses. 𝗞𝗲𝗲𝗽 𝗮𝗹𝗹 𝗿𝗲𝗰𝗲𝗶𝗽𝘁𝘀 for meals and lodging to submit with your claim. 𝗡𝗲𝗲𝗱 𝗵𝗲𝗹𝗽 𝘄𝗶𝘁𝗵 𝘆𝗼𝘂𝗿 𝗰𝗹𝗮𝗶𝗺? 𝗪𝗮𝘁𝗰𝗵 𝘆𝗼𝘂𝗿 𝘃𝗶𝗱𝗲𝗼: buff.ly/IrIfTKo

𝗥𝗲𝘀𝗶𝗹𝗶𝗲𝗻𝗰𝗲 𝗶𝘀 𝘁𝗵𝗲 𝗡𝗮𝗺𝗲 𝗼𝗳 𝘁𝗵𝗲 𝗚𝗮𝗺𝗲 Speaking at @ResConNola conference this week, @CommTemple outlined recent actions that make homes and communities in South Louisiana more resilient to storms, and how these actions directly influence Louisiana’s insurance landscape. He said that although government has a foundational role in making Louisiana more insurable against wind and flooding, individuals have an even greater role. He listed 𝘁𝗵𝗲𝘀𝗲 𝘀𝘁𝗲𝗽𝘀 𝘄𝗲 𝗰𝗮𝗻 𝗮𝗹𝗹 𝘁𝗮𝗸𝗲 𝘁𝗼 𝗽𝗿𝗼𝘁𝗲𝗰𝘁 𝗼𝘂𝗿𝘀𝗲𝗹𝘃𝗲𝘀 𝗮𝗻𝗱 𝗼𝘂𝗿 𝗽𝗼𝗰𝗸𝗲𝘁𝗯𝗼𝗼𝗸𝘀: 🏡 When you’re building a new home or replacing an old roof, consider a @IBHS_org 𝗙𝗢𝗥𝗧𝗜𝗙𝗜𝗘𝗗 𝗿𝗼𝗼𝗳. ✨ 𝗣𝗿𝗼𝗽𝗲𝗿𝗹𝘆 𝗺𝗮𝗶𝗻𝘁𝗮𝗶𝗻 𝘆𝗼𝘂𝗿 𝗵𝗼𝗺𝗲 by replacing the roof when it’s time, keeping your yard clear of debris and keeping up with your maintenance schedule. 📉 𝗦𝗵𝗼𝗽 𝗮𝗿𝗼𝘂𝗻𝗱 𝘁𝗼 𝗴𝗲𝘁 𝘁𝗵𝗲 𝗯𝗲𝘀𝘁 𝗽𝗼𝘀𝘀𝗶𝗯𝗹𝗲 𝗿𝗮𝘁𝗲 for your insurance policies. #BeInsuranceReady #Fortified #StrongerRoofs