The insured’s suit against the broker alleging insufficient coverage was dismissed as untimely. Elite Rental Properties, LLC, et al. v. Nautilus Ins. Co., et al., 2026 La. App. LEXIS 1704 (Aug. 26, 2026).

Elite retained Southern General Agency (SGA) and The Lincoln Agency, LLC to procure insurance coverage for multiple properties. SGA/Lincoln obtained a property insurance policy from Nautilus. The property had two structures, a single-family home and a rear structure, which contained a small apartment. Elite claimed that it understood the policy to cover both structures. On September 9, 2022, a fire caused catastrophic damage to the rear structure and exterior damage to the primary structure. Nautilus denied payment for the rear structure, claiming it was not covered in the policy.