{
  "urn": "urn:us-la:rs:22:1273",
  "title_number": "22",
  "section_number": "1273",
  "citation": "R.S. 22:1273",
  "heading": "Presumption of coverage; civil authority prohibited use",
  "text": "A. For losses that arise due to a catastrophic event in which a state of disaster or emergency is declared by civil officials, for those areas within the declaration, if a civil authority prohibits the insured from using their residential premises as a result of damage to a neighboring premises due to a peril covered by the policy, the civil authority prohibited use coverage shall be afforded as provided in the policy.\n\nB. For purposes of this Section, insurers shall interpret all actions of a civil authority without regard to whether formal orders of evacuation were issued.",
  "status": "active",
  "hierarchy_path": [
    {
      "level": "title",
      "number": "22",
      "name": "INSURANCE CODE"
    },
    {
      "level": "chapter",
      "number": "4",
      "name": "INSURANCE AND INSURANCE CONTRACT REQUIREMENTS BY TYPE OF INSURANCE"
    },
    {
      "level": "part",
      "number": "IV",
      "name": "PROPERTY AND CASUALTY"
    },
    {
      "level": "subpart",
      "number": "A",
      "name": "INSURANCE AND CONTRACT REQUIREMENTS IN GENERAL"
    }
  ],
  "breadcrumb": "Title 22 › Chapter 4 › Part IV › Subpart A",
  "acts_citations": [
    {
      "act_year": 2022,
      "act_number": 434,
      "section": 1,
      "effective_date": "2023-01-01",
      "effective_date_raw": "Jan. 1, 2023",
      "role": "enactment"
    }
  ],
  "acts_citations_raw": "Acts 2022, No. 434, §1, eff. Jan. 1, 2023.",
  "source_url": "https://legis.la.gov/legis/Law.aspx?d=1296624",
  "website_law_id": 1296624,
  "scrape_timestamp": "2026-05-22T22:11:41Z",
  "source_html_hash": "sha256:c1f00f1601d6b0600e8ca1bef9c5914dcbe16585caead38f7af4d9b77b85996e",
  "schema_version": "1.0.0"
}