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 ways 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 HOPE Committee will evaluate various methods to improve the claims process, including statutory and procedural reforms, case management practices, and early dispute resolution alternatives. It will also consider ways to ensure prompt investigations and timely payments of valid claims while maintaining the rights of policyholders. The committee is encouraged to engage with a wide range of stakeholders, including homeowners, insurers, and legal experts, and is required to submit a report with findings and recommendations to the legislature by February 1, 2027.