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Another insurer with policies in Louisiana recommended for receivership by Florida regulators

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Another insurer with policies in Louisiana recommended for receivership by Florida regulators


NEW ORLEANS (WVUE) – Yet one more insurance coverage firm writing a small variety of house owner insurance policies in Louisiana seems on the snapping point.

Florida insurance coverage regulators on Monday (Sept. 26) requested a decide in that state to put FedNat into receivership over monetary weak spot. The property insurance coverage firm is estimated to have 1,500 open claims in Louisiana at risk of being unpaid.

FedNat supplied that determine to John Wells, government director of the Louisiana Insurance coverage Warranty Affiliation (LIGA). Wells mentioned LIGA expects that quantity might develop as householders file to reopen their circumstances.

Nonetheless, a spokeswoman for the Florida Workplace of Insurance coverage Regulation mentioned, “It’s essential to notice, FedNat had zero insurance policies in drive in Florida on the time of the referral. In June 2022, FedNat early canceled roughly 56,000 of the 140,000 insurance policies in drive in Florida.

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“The remaining insurance policies had been assumed by Monarch Nationwide Insurance coverage Firm. All excellent claims will turn into the duty of FIGA (Florida Insurance coverage Warranty Affiliation).”

Louisiana Insurance coverage Commissioner Jim Donelon mentioned in a press release to Fox 8, “I’m reaching out to Florida to get a clearer understanding of this growth from a Louisiana perspective. My preliminary understanding is that it’s going to don’t have any impact on any Louisiana policyholder, however could have LIGA implications relative to claims pending on the time of Florida’s motion.”

In the meantime, in Louisiana, householders’ premiums already are rising post-Hurricane Ida.

A Jefferson Parish house owner, who didn’t need his identify used, mentioned he ended up dropping his insurance coverage protection.

“They jacked up my insurance coverage from about $3,500 a 12 months to $6,000 a 12 months. So, after all I dropped them. What am I going to do? I can’t afford that,” he mentioned.

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The resident mentioned he received protection with a brand new firm, however his wind and hail injury is roofed via Louisiana Residents, the state’s insurer of final resort.

Donelon mentioned he would meet along with his actuarial staff this week to debate Louisiana Residents’ proposed 63 % fee hike, which might take impact on insurance policies bought on or after Jan. 1, 2023.

“Any coverage that’s bought earlier than Jan. 1 received’t see that improve till a 12 months from now,” Donelon mentioned.

State Rep. Kyle Inexperienced (D-Marrero), who sits on the Louisiana Home Insurance coverage Committee, mentioned he want to see extra transparency within the course of.

“I feel (insurers) ought to make their case to the general public,” Inexperienced mentioned. “The facility rests with the insurance coverage commissioner to make that final dedication. However I’d wish to see their rationale for eager to know why they need a 63 % fee improve from final 12 months.”

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Due to different insurance coverage firms failing or pulling out of the state, Louisiana Residents mentioned it has absorbed greater than 100,000 new house owner insurance policies. Donelon has mentioned he’s hopeful these can finally be off-loaded to the personal market.

“I’m optimistic that between now and a 12 months from now, we’ll be capable of get firms via this incentive program to take the majority of these insurance policies at Residents,” Donelon mentioned.

Inexperienced mentioned he would really like harder bad-faith penalties, to carry dangerous actors within the insurance coverage trade accountable.

“I’m a private damage lawyer,” he mentioned. “And I can inform you it’s very exhausting to prosecute a declare towards insurance coverage firms whenever you felt as if they haven’t well timed paid the claims. As a result of there’s nothing actually in statute that can maintain their ft to the hearth.”

However Inexperienced mentioned insurers push again towards that concept.

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“What has been the case in committee is that insurance coverage firms have at all times mentioned, ‘Nicely, in case you strengthen the bad-faith legal guidelines to make it extra penal, it’s going to drive insurance coverage firms out of the state,’” he mentioned.

“Nicely, we’ve seen that already occur. Insurance coverage firms are already leaving. I feel it’s simply extra so an try from them not eager to be held accountable.”

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Shoppers react to rule changes for those under 18 at Mall of Louisiana

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Shoppers react to rule changes for those under 18 at Mall of Louisiana


BATON ROUGE, La. (WAFB) – On June 25, the Mall of Louisiana announced its implementation of the ‘Parental Guidance Required’ (PGR) program that will go into effect on Friday, June 28.

Mall of Louisiana announces adult supervision policy for guests under 18

WAFB spoke with many shoppers about what this means and heard their thoughts on the new changes.

Meleia and J.B. Nelson say they think this is a great idea that will keep shoppers and employees safe.

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“Sometimes the kids get rowdy…you know, especially on Fridays and Saturdays,” Meleia says.

“A lot of them don’t mean any harm, they’re just having fun but sometimes they can get out of hand and they need someone like maybe more security guards that might be around at that time,” J.B. says.

Other shoppers agree. Carmen Richard and Aaliyah Rodruiguez say they saw a group of young men being escorted out by security guards and voices being raised the last time they were at the mall.

“I feel like it is definitely a benefit to the whole mall.” Richard says.

The friends say it may be tough for those almost 18 years old, but they believe it will be beneficial in minimizing the potential of unsupervised incidents.

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“Yeah I think it’s sad we have to do it, but hopefully it’ll be better to make it more of a family environment,” Rodruigez says.

WAFB also spoke to one woman who is visiting Baton Rouge from Egypt, Nada Elkaffas. She says in the malls she shops at in Egypt, there are no such rules.

“Coming from a culture that is so strict and conservative, we don’t do this there, so it’s kind of weird, it’s kind of bizarre actually,” Elkaffas said. ” It’s a very critical age, but at the same, time we should trust our kids.”

Mall officials say this rule is a permanent change. Guards will be located at every entrance of the malls and at the entrances to the malls from department stores.

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Louisiana Passes Public Schools Ten Commandments Law, Parents and Clergy Sue – by Jan Wondra – Ark Valley Voice

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Louisiana Passes Public Schools Ten Commandments Law, Parents and Clergy Sue – by Jan Wondra – Ark Valley Voice


This past week, Louisiana became the first state in the nation — or the nation’s history for that matter — to pass a state law requiring that a suitably-produced copy of the Ten Commandments be posted in every public school classroom of every school, at all grade levels through university level.

Civil rights groups on Monday filed a lawsuit against Louisiana’s House Bill 71, which mandates that all public schools display the Ten Commandments. File Photo by Michael Kleinfeld/United Press International.

The law, HB 71, stipulated that this posting would be paid for by donations — but that has not silenced objectors. Nor has it negated the fairly obvious intrusion of a political movement known as “Christian nationalism” into politics, our daily lives, and schools.

A lawsuit was filed Monday, June 24 by a group of public school parents, as well as clergy against the mandated display of the Ten Commandments, the group known as Americans United for the Separation of Church and State, the Freedom From Religion Foundation, and offices of the ACLU (American Civil Liberties Union).

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‘This is religious favoritism, and it is not only dangerous but runs counter to my religion and faith,’ said Presbyterian Church (USA) minister and plaintiff in the case the Rev. Jeff Sims.

Speaking at a press conference after the suit was filed, the head of Americans United for the Separation of Church and State, Rachel Laser, pointed out that several other states [Oklahoma, Mississippi, and South Carolina] have introduced similar bills attempting to dictate public morality. Calling this an example of “the Christian nationalism that is on the march across this country” she said that Texas has also already passed a law allowing public schools to enlist chaplains.

Communicating with several journalists in the past few days, we noted it could reasonably be asked that if anything is required to be posted in every classroom in a state, it should be the law of this land — the  United States Constitution, not a Christian document.

In fact, the posting of the TEn Commandments would appear to violate the establishment clause of the First Amendment: “Congress shall make no law respecting an establishment of religion, or prohibiting the free exercise thereof;”

This is a multi-cultural nation. The reaction across the U.S. may not be what the Louisiana legislators thought they might see. Objections are not just being voiced by those of other religions, from Jewish to Muslim, and Hindus, but by the leadership of Christian denominations, including the mainline protestant faiths.

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According to Religious News Service, “the plaintiffs argue the statute unfairly privileges a specific version of Christian scripture in addition to impinging on the rights of the nonreligious and those of other faiths.” Further, they say, “the law violates their First Amendment right to religious freedom as well as the U.S. Constitution’s prohibition against establishing a state religion.

“This simply cannot be reconciled with the fundamental religious-freedom principles that animated the founding of our nation,” reads the complaint, which notes no federal court has upheld the display of the Ten Commandments in a public school setting.

The plaintiffs in this case are a mixture of religious and non-religious parents, and include clergy who object to a narrow interpretation of religion.

“By subjecting my children to permanent displays of scripture in every classroom, the Ten Commandments conflicts with this principle,” said Unitarian Universalist Minister Rev. Darcy Roake. According to Religious News Service (RNS) she pointed out “that among her faith tradition’s seven principles is a call for “the right to a free and responsible search for truth and meaning,” that her husband is Jewish and that they have raised their children in a multi-faith household.

“My husband believes this state-mandated version of the Ten Commandments does not conform with his Jewish faith either, because the displays misappropriate and alter the text of the Ten Commandments as they are set out in the Torah,” she told a RNS reporter.

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There is more irony — turns out that the Louisiana law requires the Ten Commandments to be posted in English — but of course the original ten were in Hebrew.



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Mall of Louisiana announces adult supervision policy for guests under 18

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Mall of Louisiana announces adult supervision policy for guests under 18


BATON ROUGE, La. (WAFB) – Teens and kids wanting to visit the Mall of Louisiana in Baton Rouge will soon have to have an adult accompany them on Friday and Saturday evenings.

Officials with the Mall of Louisiana announced that beginning Friday, June 28, a Parental Guidance Required (“PGR”) program will be in effect at the Mall of Louisiana on Friday and Saturdays after 4 p.m.

As part of the program, officials say guests under 18 years old will be required to be accompanied by a parent or supervising adult who is at least 21 years old while they are on the shopping center property, including in the parking lot and exterior sidewalks.

The Mall of Louisiana released the following statement about the change:

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Beginning Friday, June 28, a Parental Guidance Required (“PGR”) program will be in effect at the Mall of Louisiana on Friday and Saturdays after 4 p.m. The PGR program requires that all guests under 18 years of age be accompanied by a parent or supervising adult who is at least 21 years old. The PGR program will be strictly enforced throughout the entire shopping center property, including the parking lot and exterior sidewalks.

“We strive to provide a safe shopping experience for every visitor and are constantly evaluating our comprehensive security program to meet the changing needs of our customers and merchants. Therefore, we will be implementing our Parental Guidance Required (PGR) program.” Gene Satern, senior general manager of the Mall of Louisiana said, “I want to stress that everyone is still welcome at our center, but on weekends moving forward we require families to shop together.”

During PGR hours, trained public safety officers will be stationed at the Mall of Louisiana entrances to check IDs of visitors who appear to be younger than 18 years old. Those who cannot provide a valid photo ID showing they are at least 18 years of age will need to be accompanied by a parent or supervising adult to stay at the shopping center. One adult may accompany up to four youths and must remain with them through the duration of the shopping experience.

Those who provide proper identification to indicate that they are at least 18 years old will be offered an optional wristband. Those who choose not to wear the wristband may be asked for ID again by safety officers inside the shopping center. Valid identification includes a state issued driver’s license or ID card, a military ID, a school ID card, or a passport. The identification must be tamper-proof and include a photograph and date of birth.

Announcements will be made inside the Mall of Louisiana starting at 3:00 p.m. on Fridays and Saturdays, giving unsupervised youths ample time to complete their shopping or dining before PGR begins. After 4:00 p.m. public safety officers inside the shopping center will check IDs of individuals who appear to be underage and are not wearing wristbands.

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The Mall of Louisiana is located at 6401 Bluebonnet Blvd., Baron Rouge, LA 70836.

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