Louisiana Administrative Code
Title 37 - INSURANCE Part
Part XIII - Regulations
Chapter 127 - Regulation Number 94-Premium Adjustments for Compliance with Building Codes and Damage Mitigation
Section XIII-12713 - Mitigation Improvements and Construction Considered for Actuarially Justified Discounts
Universal Citation: LA Admin Code XIII-12713
Current through Register Vol. 50, No. 9, September 20, 2024
A. In determining actuarially justified discounts, an insurer shall consider the following mitigation improvements and/or construction techniques that have been demonstrated to reduce the amount of loss from windstorm or hurricane:
1. building design code;
2. roof bracing;
3. secondary water barriers;
4. opening protection;
5. roof to wall strength;
6. roof deck attachment;
7. roof covering and roof covering
performance;
8.
wall-to-floor-to-foundation strength;
9. window, door, and skylight strength;
and
10. other mitigation
improvements and/or construction techniques that the insurer has determined can
reduce the risk of loss due to wind.
B. Discounts displayed in the insurer's rate and rule manual should reflect the interdependence of mitigation improvements and/or construction techniques required by the insurer to qualify for an actuarially justified discount.
AUTHORITY NOTE: Promulgated in accordance with R.S. 22:3 to enforce the provisions of R.S. 22:1426.
Disclaimer: These regulations may not be the most recent version. Louisiana may have more current or accurate information. We make no warranties or guarantees about the accuracy, completeness, or adequacy of the information contained on this site or the information linked to on the state site. Please check official sources.
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