VirginiaHB6772026 Regular SessionHouseWALLET

Residential property owners; insurance policies, roofing services by contractors.

Sponsored By: Michelle Lopes Maldonado (Democratic)

Signed by Governor

Summary

Residential property owners; insurance policies; roofing services by contractors; prohibited practices and consumer protection. Prohibits insurers from refusing coverage or canceling, refusing to renew, or increasing the premiums of a policy written to insure an owner-occupied dwelling solely based on the age or condition of the asphalt shingle roof, except in certain circumstances. The bill also contains provisions related to consumer protection in the context of contractors providing roofing services for residential property owners. The bill prohibits certain advertisements and conduct by contractors in such context. The bill includes contract terms that must be included by contractors in such context, and permits a residential property owner to cancel a contract for roofing services in the case of a declaration of a state of emergency by the Governor applicable to the geographic area where the property is located. Provisions of the bill related to prohibited conduct and requirements for contractors providing roofing services are subject to the enforcement provisions of the Consumer Protection Act. The bill has a delayed effective date of January 1, 2027, and is identical to SB 402.

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Bill Overview

Analyzed Economic Effects

6 provisions identified: 5 benefits, 1 costs, 0 mixed.

Homeowners get stronger roof insurance protections

For owner-occupied homes, insurers cannot deny or end coverage solely because an asphalt-shingle roof is under 15 years old. Roof-age decisions require written proof of age. For roofs at least 15 years old, owners or purchasers can provide age records or pay for an authorized inspection before replacement is required. An inspector's finding of at least five years of useful life protects against denial, cancellation, or nonrenewal based solely on age or condition. Insurers can still require repairs to identified problems, but corrected problems alone cannot justify ending or denying coverage.

Homeowners can cancel emergency roofing contracts

Beginning January 1, 2027, owners can cancel roofing contracts signed within 180 days after a Governor-declared emergency affecting their property's area. The deadline is the earlier of 10 days after signing or the official service start date. That start date means work begins, a permit is issued, or a building-code-compliant temporary repair is performed. Owners must send notice by certified mail, return receipt requested, or other mail providing proof of delivery. Contracts or attachments must disclose this right on the owner's signature page in at least 14-point bold type.

Homeowners get clearer roofing cost information

Beginning January 1, 2027, contractors must give homeowners a good-faith, itemized services-and-materials estimate before presenting an insurance-repair agreement. Cost differences caused by the insurer's claim-adjustment process are not violations. Roofing contracts must also tell owners to check coverage, claims, deductibles, and policy terms with their insurer before signing. That warning and acknowledgment must appear on the owner's signature page, in the contract or an attachment, in at least 14-point bold type.

Homeowners get enforceable roofing disclosure rights

Beginning January 1, 2027, roofing ads soliciting homeowners must explain deductible responsibility, the ban on unauthorized claim adjusting, and unlawful deductible waivers. These disclosures must use the larger of 12-point type or half the ad's largest type size. Roofing contracts must include a notice against deductible-avoidance incentives tied to roof inspections or insurance claims. If that notice is missing, owners can void the contract within 10 days after signing. Violations of the Residential Property Owners Protection Act are enforceable under the Virginia Consumer Protection Act.

Paid insurance repair referrals are banned

Beginning January 1, 2027, people cannot offer, give, receive, or accept rewards for referrals to services payable from property insurance proceeds. The ban covers compensation and other incentives. Owners and insurers can still pay contractors for roofing work actually performed.

Homeowners lose contractor help with deductibles

Beginning January 1, 2027, contractors cannot knowingly or willfully pay, waive, or rebate insurance deductibles for covered owner-occupied home repairs. They also cannot offer deductible-avoidance incentives in exchange for a roof inspection or a roof-damage insurance claim. This includes cash, gifts, credits, coupons, and other help avoiding the deductible. These rules remove contractor help with deductible costs; they do not create a new deductible or set its amount.

Sponsors & Cosponsors

Sponsor

  • Michelle Lopes Maldonado

    Democratic • House

Cosponsors

There are no cosponsors for this bill.

Roll Call Votes

All Roll Calls

Yes: 357 • No: 5

House vote • 3/10/2026

Senate amendment agreed to by House

Yes: 95 • No: 4

Senate vote • 3/9/2026

Passed Senate with amendment Block Vote

Yes: 40 • No: 0

Senate vote • 3/9/2026

General Laws and Technology Amendment agreed to

Yes: 0 • No: 0

Senate vote • 3/6/2026

Constitutional reading dispensed Block Vote (on 2nd reading)

Yes: 39 • No: 0

Senate vote • 3/6/2026

Passed by for the day Block Vote (Voice Vote)

Yes: 0 • No: 0

Senate vote • 3/4/2026

Reported from General Laws and Technology with amendment

Yes: 15 • No: 0

Senate vote • 2/23/2026

Rereferred from Commerce and Labor to General Laws and Technology

Yes: 12 • No: 0

House vote • 2/17/2026

Read third time and passed House Block Vote

Yes: 97 • No: 0

House vote • 2/13/2026

Subcommittee recommends reporting with substitute

Yes: 7 • No: 0

House vote • 2/13/2026

Reported from Appropriations with substitute

Yes: 22 • No: 0

House vote • 2/5/2026

Reported from Labor and Commerce with substitute

Yes: 22 • No: 0

House vote • 2/3/2026

Subcommittee recommends reporting with substitute

Yes: 8 • No: 1

Actions Timeline

  1. Acts of Assembly Chapter text (CHAP0657)

    4/13/2026Governor
  2. Approved by Governor - Chapter 657 (effective 1/1/2027)

    4/13/2026Governor
  3. Governor's Action Deadline 11:59 p.m., April 13, 2026

    3/31/2026Governor
  4. Enrolled Bill communicated to Governor on March 31, 2026

    3/31/2026House
  5. Signed by Speaker

    3/31/2026House
  6. Bill text as passed House and Senate (HB677ER)

    3/30/2026House
  7. Enrolled

    3/30/2026House
  8. Signed by President

    3/30/2026Senate
  9. Senate amendment agreed to by House (95-Y 4-N 0-A)

    3/10/2026House
  10. Passed Senate with amendment Block Vote (40-Y 0-N 0-A)

    3/9/2026Senate
  11. General Laws and Technology Amendment agreed to

    3/9/2026Senate
  12. Engrossed by Senate as amended

    3/9/2026Senate
  13. Read third time

    3/9/2026Senate
  14. Passed by for the day Block Vote (Voice Vote)

    3/6/2026Senate
  15. Constitutional reading dispensed Block Vote (on 2nd reading) (39-Y 0-N 0-A)

    3/6/2026Senate
  16. Rules suspended

    3/6/2026Senate
  17. Reported from General Laws and Technology with amendment (15-Y 0-N)

    3/4/2026Senate
  18. Fiscal Impact Statement from State Corporation Commission (HB677)

    3/3/2026House
  19. Senate committee offered

    3/3/2026Senate
  20. Rereferred from Commerce and Labor to General Laws and Technology (12-Y 0-N)

    2/23/2026Senate
  21. Referred to Committee on Commerce and Labor

    2/18/2026Senate
  22. Constitutional reading dispensed (on 1st reading)

    2/18/2026Senate
  23. Read third time and passed House Block Vote (97-Y 0-N 0-A)

    2/17/2026House
  24. Engrossed by House - committee substitute

    2/16/2026House
  25. committee substitute agreed to

    2/16/2026House

Bill Text

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