Louisiana § RS 22:1338 - Additional living expense coverage; total loss
Full text of Louisiana Louisiana Civil Code § RS 22:1338 — Additional living expense coverage; total loss, with citation guidance and answers to common questions.
§ RS 22:1338. Additional living expense coverage; total loss
A. In the event of a total loss to an insured dwelling caused by a covered peril, if the insured has additional living expense coverage, the insurer shall, upon request by the insured, render an advance payment equal to the estimated value of three months of increased cost of living expenses, as defined in the policy, required for the members of the household to maintain their normal standard of living. Further payments of additional living expense coverage, after the advance period, shall be payable upon submission of satisfactory proof of loss, if it is determined that the actual cost of incurred additional living expenses exceeds the amount previously advanced.
B. Nothing in this Section shall be interpreted to prohibit an insurer from restricting payment in cases of suspected fraud.
Acts 2022, No. 558, §1, eff. Jan. 1, 2023.
Source: official Louisiana text · Last verified 2026-08-27
Frequently Asked Questions About Louisiana § RS 22:1338
What does Louisiana Civil Code § RS 22:1338 cover?
Section RS 22:1338 ("Additional living expense coverage; total loss") is part of the Louisiana Civil Code, the codified statutory law of Louisiana. It sets out the legal rule or procedure described in the text above. Statutes are amended regularly, so always verify against the official source.
How do I cite Louisiana § RS 22:1338?
A common citation format is "Louisiana Civil Code § RS 22:1338" (Louisiana). Legal writing may require the code abbreviation, section number, and year or edition. Match the style required by your court, professor, or publisher.
Is this the official text of Louisiana law?
No. This page is for research and education and may not include the most recent amendments. For official current law, check the Louisiana official source linked on this page or consult a licensed Louisiana attorney.
How does Louisiana § RS 22:1338 apply to my situation?
Statutes are interpreted in context, and application depends on your specific facts. Only a licensed attorney in Louisiana can advise on how this section applies to you. Contact your state or local bar association for a referral.
Sources & Verification
Not legal advice. Verify against the official source and consult a licensed attorney in Louisiana.