All Roll Calls
Yes: 357 • No: 5
Sponsored By: Michelle Lopes Maldonado (Democratic)
Became Law
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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6 provisions identified: 4 benefits, 0 costs, 2 mixed.
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.
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.
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.
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.
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.
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.
Michelle Lopes Maldonado
Democratic • House
There are no cosponsors for this bill.
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
Acts of Assembly Chapter text (CHAP0657)
Approved by Governor-Chapter 657 (Effective 1/1/2027)
Governor's Action Deadline 11:59 p.m., April 13, 2026
Enrolled Bill communicated to Governor on March 31, 2026
Signed by Speaker
Bill text as passed House and Senate (HB677ER)
Enrolled
Signed by President
Senate amendment agreed to by House (95-Y 4-N 0-A)
Passed Senate with amendment Block Vote (40-Y 0-N 0-A)
General Laws and Technology Amendment agreed to
Engrossed by Senate as amended
Read third time
Passed by for the day Block Vote (Voice Vote)
Constitutional reading dispensed Block Vote (on 2nd reading) (39-Y 0-N 0-A)
Rules suspended
Reported from General Laws and Technology with amendment (15-Y 0-N)
Fiscal Impact Statement from State Corporation Commission (HB677)
Senate committee offered
Rereferred from Commerce and Labor to General Laws and Technology (12-Y 0-N)
Referred to Committee on Commerce and Labor
Constitutional reading dispensed (on 1st reading)
Read third time and passed House Block Vote (97-Y 0-N 0-A)
Engrossed by House - committee substitute
committee substitute agreed to
Chaptered
4/13/2026
Enrolled
3/30/2026
Amendment
3/9/2026
Amendment
3/5/2026
Amendment
3/3/2026
Substitute
2/13/2026
Substitute
2/5/2026
Substitute
2/4/2026
Substitute
2/3/2026
Introduced
1/13/2026
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