VirginiaHB6772026 Regular SessionHouseWALLET

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

Sponsored By: Michelle Lopes Maldonado (Democratic)

Became Law

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.

Your PRIA Score

Score Hidden

Personalized for You

How does this bill affect your finances?

Sign up for a PRIA Policy Scan to see your personalized alignment score for this bill and every other piece of legislation we track. We analyze your financial profile against policy provisions to show you exactly what matters to your wallet.

Free to start

Bill Overview

Analyzed Economic Effects

6 provisions identified: 4 benefits, 0 costs, 2 mixed.

Stricter limits on dropping home policies

Beginning January 1, 2027, insurers can cancel or refuse to renew owner‑occupied policies only for listed reasons. These include nonpayment of premium, a crime that raises risk, fraud or material misrepresentation, willful or reckless acts found on inspection, physical changes that make the home uninsurable, or foreclosure resulting in a trustee sale. Notices must be mailed or delivered to the policy address or sent to an email you provided. Insurers may not refuse renewal solely because of protected traits (like age, sex, race, creed, national origin, ancestry, marital status, sexual orientation, gender identity, or residence), your lawful job (including military service unless risk materially changes), claims from natural causes, claims older than 60 months, or an inquiry about coverage. If credit is used, the consumer report must be dated within 120 days, and an inquiry cannot be reported as a claim.

Clear roofing contracts and easy cancellation

Beginning January 1, 2027, contractors must give you a good‑faith, itemized estimate before you sign for insurance‑related roof repairs. The signature page must warn you in bold 14‑point type to contact your insurer to check coverage and deductibles. During a Governor‑declared state of emergency in your area, contracts must also include bold 14‑point language about your right to cancel without penalty by the earlier of 10 days after signing or the official start date of services. If you sign within 180 days after such a declaration, you can cancel without penalty within that same window by certified mail or other mail with proof of delivery. If a contract is missing the required deductible‑avoidance notice, you can void it within 10 days after signing.

No deductible kickbacks in roof claims

Beginning January 1, 2027, contractors cannot pay, waive, or rebate any part of your insurance deductible. They also cannot offer gifts, cash, coupons, or other rewards to get you to file a claim or avoid paying your deductible. Roofing ads must clearly say you are responsible for the deductible and that the contractor is not acting as a public adjuster. Paying or taking referral fees for insurance‑paid work is banned. Normal payment for actual work by you or your insurer is still allowed.

Fair roof-age rules for insurance

Beginning January 1, 2027, your insurer cannot deny, cancel, or refuse to renew an owner‑occupied policy just because an asphalt shingle roof is under 15 years old or you lack papers showing its age. You may show receipts, contracts, permits, or a report from an authorized inspector. If you have no proof, you can pay for an authorized inspection; if the report says five or more years of useful life remain, the insurer cannot require replacement to issue or renew the base policy, though repairs may be required. Insurers may still refuse coverage if an authorized inspector reports unrepaired damage, defects, poor installation, deterioration, inadequate maintenance, structural issues, or moisture. If you fix those problems, the insurer cannot deny, cancel, or refuse to renew based only on the cured issues.

More notice and quick review for cancellations

Beginning January 1, 2027, insurers must send cancellation or nonrenewal notices at least 30 days before the end date, or at least 10 days for nonpayment. Each notice must state the specific reason and tell you that you can ask the Insurance Commissioner to review it in writing within 10 days. If you ask on time, your policy stays in force during the review, except for nonpayment cases. Insurers must keep records of cancellations, refusals to renew, and related notices for at least one year. Some policies are excluded, including those in force less than 90 days (except renewals), when the insurer has offered to renew in writing, when you asked to cancel or failed to accept renewal, policies from the state residual market, or when an affiliated insurer offers comparable coverage at a lower premium.

Stronger enforcement of roofing solicitations

Beginning January 1, 2027, any violation of these roofing solicitation and contract rules is an unlawful act under the Virginia Consumer Protection Act. Homeowners can use VCPA remedies if a contractor breaks the rules. The law also defines key terms like “advertisement,” “contractor,” “residential property owner,” and “soliciting” so everyone knows what communications and parties are covered.

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

Reported from Appropriations with substitute

Yes: 22 • No: 0

House vote 2/13/2026

Subcommittee recommends reporting with substitute

Yes: 7 • No: 0 • Other: 1

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 • Other: 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

Related Bills

Back to State Legislation