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GeorgiaSB 2012025-2026 Regular SessionSenateWALLET

Consumer Transactions; increased consumer protection for homeowners entering into contracts with contractors following natural disasters; provide

Sponsored By: Jason Anavitarte (Republican), Lee Anderson (Republican), Jason T. Dickerson (Republican), Timothy Bearden (Republican), Matt Brass (Republican), Max Burns (Republican), Drew Echols (Republican), Frank Ginn (Republican), Steve Gooch (Republican), Russ Goodman (Republican), Marty Harbin (Republican), Bo Hatchett (Republican), Billy Hickman (Republican), Mike Hodges (Republican), Steven McNeel (Republican), Kay Kirkpatrick (Republican), Chuck Payne (Republican), Randy Robertson (Republican), Ed Setzler (Republican), Shawn Still (Republican), Brian Strickland (Republican), Carden Summers (Republican), Blake Tillery (Republican), Larry Walker (Republican), Sam Watson (Republican), Rick Williams (Republican)

Became Law

Agriculture & Consumer AffairsInsurance and LaborGeneral Bill

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Bill Overview

Analyzed Economic Effects

3 provisions identified: 2 benefits, 0 costs, 1 mixed.

Insurers must ban contractor assignments after disasters

Beginning January 1, 2026, insurers cannot issue, deliver, or renew homeowner policies that let a contractor take assignment of your insurance proceeds in the first year after a Governor-declared natural disaster damages your home. For this rule, residential property means your primary residence. A natural disaster includes floods, tornadoes, hurricanes, earthquakes, or other events with a Governor emergency declaration.

Stronger rules for contractors after disasters

Starting July 1, 2025, post‑disaster home repair contracts signed within one year of a Governor-declared disaster must meet stricter standards. Contractors cannot take assignment of your insurance proceeds, must start substantial work within one year, and must meet state minimum codes or accredited industry standards. Doing substandard work or skipping the law’s cancellation and disclosure steps is an unfair or deceptive practice. For these rules, a natural disaster includes floods, tornadoes, hurricanes, earthquakes, or other events with a Governor emergency declaration.

Easier to cancel disaster repair contracts

Beginning July 1, 2025, if you sign a home repair contract within one year of a Governor-declared disaster, you get new cancellation rights. If your insurer tells you in writing that all or part is not covered, you can cancel by midnight of the fifth business day after you get that notice; mailed notices count when mailed. Before you sign, the contractor must give a bold (at least 10‑point) statement of your rights and attach a detachable “NOTICE OF CANCELLATION” with their name and address. If you cancel, any clause that makes you pay for non‑emergency work is not enforceable. Contractors may still collect a reasonable payment at the time for emergency work you acknowledged in writing as needed to prevent immediate damage.

Sponsors & Cosponsors

Sponsors

  • Jason Anavitarte

    Republican • Senate

  • Lee Anderson

    Republican • Senate

  • Jason T. Dickerson

    Republican • Senate

  • Timothy Bearden

    Republican • Senate

  • Matt Brass

    Republican • Senate

  • Max Burns

    Republican • Senate

  • Drew Echols

    Republican • Senate

  • Frank Ginn

    Republican • Senate

  • Steve Gooch

    Republican • Senate

  • Russ Goodman

    Republican • Senate

  • Marty Harbin

    Republican • Senate

  • Bo Hatchett

    Republican • Senate

  • Billy Hickman

    Republican • Senate

  • Mike Hodges

    Republican • Senate

  • Steven McNeel

    Republican • Senate

  • Kay Kirkpatrick

    Republican • Senate

  • Chuck Payne

    Republican • Senate

  • Randy Robertson

    Republican • Senate

  • Ed Setzler

    Republican • Senate

  • Shawn Still

    Republican • Senate

  • Brian Strickland

    Republican • Senate

  • Carden Summers

    Republican • Senate

  • Blake Tillery

    Republican • Senate

  • Larry Walker

    Republican • Senate

  • Sam Watson

    Republican • Senate

  • Rick Williams

    Republican • Senate

Cosponsors

  • Leesa Hagan

    Republican • House

Roll Call Votes

All Roll Calls

Yes: 265 • No: 3

Senate vote • 4/4/2025

AGREE TO HOUSE SUBSTITUTE

Yes: 49 • No: 1

House vote • 3/31/2025

PASSAGE

Yes: 163 • No: 1

Senate vote • 3/4/2025

PASSAGE BY SUBSTITUTE

Yes: 53 • No: 1

Actions Timeline

  1. Effective Date

    7/1/2025

  2. Senate Date Signed by Governor

    5/8/2025Senate

  3. Act 71

    5/8/2025

  4. Senate Sent to Governor

    4/10/2025Senate

  5. Senate Agreed House Amend or Sub

    4/4/2025Senate

  6. House Third Readers

    3/31/2025House

  7. House Passed/Adopted By Substitute

    3/31/2025House

  8. House Committee Favorably Reported By Substitute

    3/20/2025House

  9. House Second Readers

    3/10/2025House

  10. House First Readers

    3/6/2025House

  11. Senate Third Read

    3/4/2025Senate

  12. Senate Passed/Adopted By Substitute

    3/4/2025Senate

  13. Senate Read Second Time

    3/3/2025Senate

  14. Senate Committee Favorably Reported By Substitute

    2/28/2025Senate

  15. Senate Read and Referred

    2/20/2025Senate

  16. Senate Hopper

    2/19/2025Senate

Bill Text

  • SB 201/AP* (v9)

    PDF

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