§1893. Claims involving immovable property
A.(1) No insurer shall use the floodwater mark on a covered structure without
considering other evidence, when determining whether a loss is covered or not covered under
a homeowners' insurance policy.
(2) No insurer shall use the fact that a home is removed or displaced from its
foundation without considering other evidence, when determining whether a loss is covered
or not covered under a homeowners' insurance policy.
B. If damage to immovable property is covered, in whole or in part, under the terms
of the policy of insurance, the burden is on the insurer to establish an exclusion under the
terms of the policy.
C. Any clause, condition, term, or other provision contained in any policy of
insurance which alters or attempts to alter the burden on an insurer as provided in Subsection
B of this Section shall be null and void and of no effect.
D. Any insurer determined to be in violation of the provisions of this Section shall
be liable pursuant to R.S. 22:1892.
Acts 2006, 1st Ex. Sess., No. 12, §1, eff. Feb. 23, 2006; Redesignated from R.S.
22:658.2 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009; Acts 2024, No. 3, §3, eff. July 1, 2024.