The bill enacted by the Louisiana Legislature introduces a new provision under R.S. 22:1923(2)(q) that defines specific actions as fraudulent insurance acts. It stipulates that amending or altering the original adjuster's or appraiser's repair estimate, as well as any revisions or supplemental estimates, without documented permission from the adjuster constitutes fraud. This aims to protect the integrity of insurance estimates and ensure that all changes are properly authorized and recorded.

The effective date for this new provision is set for July 1, 2026. This legislation seeks to enhance accountability in the insurance claims process by clearly outlining what constitutes fraudulent behavior in relation to repair estimates, thereby safeguarding both insurers and policyholders from potential fraud.