Cajun Claim Services

07/23/2026

Louisiana Insurance Law Changes Effective August 1, 2026

Effective August 1, 2026, new Louisiana insurance laws will impact claims handling for adjusters licensed in the state of Louisiana.

We've highlighted the provisions that most directly affect independent adjusters below; however, we encourage you to review the full legislation to familiarize yourself with all the changes.

Louisiana License Number

Louisiana licensed adjusters are required to include their Louisiana license number in all electronic communications with policyholders, excluding business-related text messages.

Contractor Verification

Before issuing payment for repairs or restoration to immovable property , the insurer must verify the contractor holds a valid contractor license. Be sure to follow any carrier-specific requirements related to this new process.

06/09/2026

Get Ready, My Friends this will likely be a busy storm season. Take pictures of the exterior and interior of your home prior to any Major Storms hitting and get your insurance information together.

03/31/2026

I believe that most insurance companies try to do the right thing an pay claims fairly, However some companies are very hard to deal with. Do you feel your client’s insurance claim was underpaid? Are you now stuck going back and forth with the insurance desk adjuster?

Most homeowners aren’t aware that their policy is likely to include an Appraisal Clause, a powerful option that can help resolve disputes without going to court. Most Appraisal Clauses read something like this.

Appraisal-In case the insured and this Company shall fail to agree as to the actual cash value or the amount of loss, then, on the written demand of either, each shall select a competent and disinterested appraiser and notify the other of the appraiser selected within twenty days of such demand.

The appraisers shall first select a competent and disinterested umpire; and failing for fifteen days to agree upon such umpire, then on request of the insured or this Company such umpire shall be selected by a judge of a court of record in the state in which the property covered is located.

The appraisers shall then appraise the loss, stating separately actual cash value and loss to each item, and failing to agree, shall submit their differences, only, to the umpire. An award in writing, so itemized, of any two when filed with this Company shall determine the amount of actual cash value and loss.

Each appraiser shall be paid by the party selecting him and the expenses of appraisal and umpire shall be paid by the parties equally.

Company's options-It shall be optional with this Company to take all, or any part, of the property at the agreed or appraised value, and also to repair, rebuild, or replace the property destroyed or damaged with other of like kind and quality within a reasonable time, on giving notice of its intention to do so within thirty days after the receipt of the proof of loss herein required.

Appraisal is typically faster and far more cost-effective than litigation, with MOST claims resolved in as little as 60-90 days. It also goes both ways an insurance company can hire an appraiser first on a disputed claim.

My name is Brandon J. Babineaux, owner of Cajun Claim Services. I am a licensed, insured, and IAUA-certified Appraiser & Umpire with over 22 years of experience in the insurance industry. I am also a Marine Corps Veteran, Louisiana resident, and I hold a Bachelor’s degree in Business.

If you need an experienced appraiser or know someone who does please don’t hesitate to reach out or share my information.

Thank you in advance,

Brandon J. Babineaux
Cajun Claim Services
337-983-2501

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01/31/2026

Cold Weather Freeze Protection Tips

Inside the Property
• Keep heat on — set thermostat no lower than 55°F, even if the building is vacant.
• Open cabinet doors under sinks to allow warm air to circulate around plumbing.
• Let faucets drip (especially on exterior walls). A slow drip helps prevent freezing.
• Seal drafts around doors, windows, and crawlspace openings.
• Know where the main water shutoff is located — label it clearly.

Plumbing Protection
• Insulate exposed pipes in attics, crawlspaces, garages, and exterior walls.
• Disconnect and drain outdoor hoses.
• Shut off and drain exterior hose bibs if valves are present.
• Cover outdoor faucets with insulated faucet covers.

Power Outage Preparedness
• Have a backup heat source (only approved and safely vented).
• If power is lost:
o Shut off the main water supply, and
o Drain the system if heat cannot be restored quickly.

Insurance Tip (important)
Most property policies require reasonable heat to be maintained.
Failure to do so can result in denial of coverage for frozen-pipe losses.

Contact your insurance company immediately after a loss. If you have interior water damage, you need to have this mitigated as soon as possible. If you have extensive water damage, you will need to contact a mitigation company to come in with drying equipment as soon as possible. Mold Growth as the result of delayed mitigation may not be covered by the insurance company.
If you do not feel that your insurance company paid what they owed, you always have the option to go through Appraisal in your policy. This is the fastest and least expensive way for dispute resolution.

For additional information contact Cajun Claim Services at 337-983-2501, email [email protected] or go on website Cajunclaimservices.com

12/31/2025

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12/31/2025

PLEASE READ ARTICLE REGARDING NEW ROOFING AND CONTRACTOR LICENSING LAWS TAKING EFFECT ON JANUARY 1ST, 2026:

Louisiana now requires permits and inspections for residential roofing projects, with new licensing regulations set to take effect on January 1st. Starting next year, only contractors with a residential construction or roofing license will be legally permitted to perform roofing work.

The law change aims to ensure that roofing work is conducted by qualified professionals. According to Louisiana State Licensing Board Executive Director Brad Hassert for Contractors, the shift signifies a move away from previous regulations that allowed home improvement contractors to perform roofing work without the necessary qualifications.

Under the new law, the previous home improvement registration has been eliminated. This untested system was replaced with a licensing requirement that mandates contractors to demonstrate their competency before being authorized to work on residential roofs.

“Both of those license classes are now tested to say that they have the knowledge and the ability to do a proper roof and build it to code.” Hassert said.

It also enhances enforcement measures against unlicensed contractors. Those who engage in roofing work without the proper licensing could face administrative penalties as well as criminal charges.

“It’s also a criminal offense to do contracting without the proper license class.” Hassert continued.

Licensed contractors are now required to maintain workers’ compensation and liability insurance. Hassert emphasized the importance of these protections.

“Unlicensed guys, as a rule, do not have either and it puts the homeowner, the consumer, at risk in that way.” Hassert said.
State officials are urging homeowners to verify a contractor’s license before hiring them for any roofing project. Homeowners can check contractor licenses online through the Louisiana State Licensing Board for Contractors’ website and should ensure that permits and inspections are completed for their roofing tasks.

Moving forward, homeowners are encouraged to familiarize themselves with these new requirements while contracting for roofing services. The Louisiana State Licensing Board will enforce these regulations to improve the quality and safety of roofing work in the state.