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Wet Floor Slip Insurance Claim in New Orleans, LA

Customer slips on a wet floor — from mopping, spills, or leaks. Under La. R.S. 22:1892, New Orleans businesses have 1 year to pursue underpaid claims. 50% penalty for arbitrary refusal; 1-year SOL.

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⚠ Not legal advice. Informational only. Consult a licensed Louisiana attorney for your situation.

Louisiana Law · Wet Floor Slip

StatuteLa. R.S. 22:1892
Time Limit1 year from date of loss
CityNew Orleans, Louisiana
Key Note50% penalty for arbitrary refusal; 1-year SOL.
What's Typically Covered
  • Medical costs and liability claim. Wet floor signs are evidence of reasonable care.
What Insurers Commonly Deny
  • Pre-existing known hazard with no corrective action.
How to File a Wet Floor Slip Claim in New Orleans, LA
1
Document everything immediately — Photograph and video all damage before any cleanup or repairs. Preserve every receipt, invoice, and financial record related to the loss.
2
Notify your insurer promptly — Most Louisiana policies require notice within a specific timeframe. Under La. R.S. 22:1892, late notice can be used to contest coverage. Report by phone and follow up in writing.
3
Submit a sworn proof of loss — File an itemized proof of loss within the time specified in your policy. Keep a dated copy. This document is your formal demand for coverage.
4
Request the adjuster's line-item breakdown — You are entitled to a written itemization of how your settlement was calculated. Compare each line against your own contractor estimates and policy language.
5
Dispute in writing if underpaid — Cite the specific policy clauses that support a higher amount. 50% penalty for arbitrary refusal; 1-year SOL. You have 1 year from the date of loss.
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New Orleans Claim Timeline

  • Report claim promptly
  • Submit proof of loss per policy
  • File suit within 1 year
  • Bad faith: La. R.S. 22:1892

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Frequently Asked Questions — Wet Floor Slip in New Orleans, LA
How long do I have to file a wet floor slip insurance claim in New Orleans?

Under La. R.S. 22:1892, New Orleans businesses generally have 1 year from the date of loss to pursue a bad faith action. Your policy may also require prompt notice (typically 30–60 days) and a sworn proof of loss within a shorter window. 50% penalty for arbitrary refusal; 1-year SOL. Consult a licensed Louisiana attorney for your specific timeline.

What should I do immediately after a wet floor slip at my New Orleans business?

1) Ensure safety and contact emergency services if needed. 2) Photograph and video all damage before any cleanup. 3) Notify your insurer promptly — late notice can be used to contest coverage. 4) Preserve all damaged property until your adjuster inspects it. 5) Keep all receipts for emergency mitigation, repairs, and any temporary relocation costs.

Can my insurer deny my wet floor slip claim in Louisiana?

Yes — common denial reasons for wet floor slip claims include: Pre-existing known hazard with no corrective action.. If your claim is denied, request the specific policy provision in writing. Under La. R.S. 22:1892, insurers must provide a written explanation citing the exact exclusion. You have the right to dispute any denial.