The House Concurrent Resolution No. by Representative Dana Henry urges the Louisiana State Law Institute to establish a Homeowner Protection and Efficiency (HOPE) Committee. This committee is tasked with studying and recommending methods to enhance the efficiency, transparency, and fairness of the residential property insurance claims process, particularly in relation to the Louisiana Citizens Property Insurance Corporation (Citizens) after catastrophic events. The resolution highlights the significant increase in property insurance premiums and the decline in affordable coverage options, which have led to a greater reliance on Citizens, the state's insurer of last resort. It also addresses the challenges homeowners face, such as delays in claim resolution and disputes over loss valuations, which can hinder economic recovery after disasters.

The resolution outlines specific areas for the committee to explore, including statutory and procedural reforms, case management practices, early dispute resolution methods, and ways to improve transparency in claims handling. It emphasizes the importance of stakeholder input from various groups, including homeowners, insurers, and legal practitioners, to ensure a comprehensive review of the claims process. The committee is required to submit a report with findings and recommendations by February 1, 2027, which may include proposed legislation or procedural reforms aimed at improving the insurance claims process while safeguarding the rights of policyholders.