Any claim decision on an older Metairie roof is made by the insurer under the homeowner’s own policy, and Louisiana Revised Statute 37:2159.1 bars any roofing contractor from interpreting that coverage. What a roofer can do is document what the roof physically shows, record its age and condition, and provide the good faith itemised estimate the same statute expects alongside any repair agreement. Louisiana law also sets deadlines for an insurer to start adjusting a claim and to pay an amount due after satisfactory proof of loss. Big Easy Roofing works on roofs across Metairie and unincorporated Jefferson Parish and keeps the roofing question separate from the insurance question, which belongs with the insurer, the agent or a licensed public adjuster.
Last Updated: September 2026
This page covers the deadlines Louisiana law places on insurers and what a roofer may and may not do. It is not advice about any particular policy, and nothing here interprets your policy, because Louisiana Revised Statute 37:2159.1 prohibits a roofing contractor from doing that. Big Easy Roofing replaces roofs across Metairie and the rest of unincorporated Jefferson Parish, licensed by the Louisiana State Licensing Board for Contractors. The question of whether an insurer will pay for a new roof on an older house is one homeowners here often ask after a storm, and the honest answer has two halves: what Louisiana law requires of the insurer, which is public and specific, and what a particular policy says, which is private and belongs to the homeowner and their insurer.
By Big Easy Roofing 
Sep 23, 2026