The bill enacted by the Louisiana Legislature introduces a new definition of "fraudulent insurance act" under R.S. 22:1923(2)(q). It specifies 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 a fraudulent act. This aims to protect the integrity of insurance estimates and ensure that any 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 defining actions that could be considered fraudulent, thereby safeguarding both insurers and policyholders from potential fraud.