PRIA Logo™
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), Brandon Beach (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), John F. Kennedy (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)

Signed by Governor

Agriculture & Consumer AffairsInsurance and LaborGeneral Bill

Personalized for You

How does this bill affect your finances?

Personalize government policy and PRIA will tell you what this bill means for your household, plus every other piece of legislation we track. PRIA reads each provision against your financial profile to show you exactly what matters to your wallet.

Free to download

Bill Overview

Analyzed Economic Effects

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

More protection for homeowners after disaster damage

Beginning July 1, 2025, Georgia protects homeowners signing disaster repair, replacement, or damage-reduction contracts within one year after a qualifying disaster. These protections cover primary homes damaged by floods, tornadoes, hurricanes, earthquakes, or other events covered by the Governor’s emergency declaration. Contractors must substantially begin work within one year after signing and cannot perform substandard work. Their work must meet state minimum building codes and accredited industry standards, and they cannot require or take homeowners’ insurance payments through an assignment. Before signing, contractors must provide a bold, large-type cancellation notice and attach two completed, detachable cancellation forms. You can cancel by mailing or delivering a signed, dated notice before midnight on the fifth business day after receiving written insurer notice that any part of your claim or contract is not covered. Contractors must accept timely cancellations and cannot enforce charges for nonemergency work performed before cancellation. They can collect reasonable emergency-service charges when you acknowledge in writing that the work was necessary to prevent immediate damage.

Homeowners gain protection against transferring insurance payments

Beginning January 1, 2026, Georgia insurers cannot sell or issue home policies allowing certain transfers of insurance payments to contractors. The ban covers transfers within one year after a qualifying disaster damages the insured person’s primary home. It applies to policies issued, delivered, issued for delivery, or renewed on or after January 1, 2026. Qualifying disasters include floods, tornadoes, hurricanes, earthquakes, or other events covered by the Governor’s emergency declaration.

Sponsors & Cosponsors

Sponsors

  • Jason Anavitarte

    Republican • Senate

  • Lee Anderson

    Republican • Senate

  • Brandon Beach

    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

  • John F. Kennedy

    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 • Other: 5

House vote • 3/31/2025

PASSAGE

Yes: 163 • No: 1 • Other: 5

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

Related Bills

Back to State Legislation