VirginiaSB4022026 Regular SessionSenateWALLET

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

Sponsored By: Scott A. Surovell (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 HB 677.

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Bill Overview

Analyzed Economic Effects

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

Fair roof age rules for insurance

This law protects owners with asphalt shingle roofs. Insurers cannot deny, cancel, or not renew just because the roof is under 15 years old. You may show written proof of age or pay for an authorized inspection. If the inspector says at least 5 years of useful life remain, the insurer cannot require a full replacement to issue or renew the base policy. The insurer may still require repairs for damage or defects the inspector finds.

New rules for roofing contractors

Contractors cannot pay, waive, or rebate your insurance deductible for roof repairs on owner-occupied homes. Ads must clearly say you pay the deductible, in at least 12-point type. Before you sign, the contractor must give a good-faith, itemized estimate and a bold 14-point warning to contact your insurer about coverage and deductibles. If the Governor declares an emergency and you sign within 180 days in that area, you can cancel within 10 days or before work starts, and the contract must include a bold notice of this right. Contractors cannot give gifts or referral fees to trigger inspections or claims, and breaking these rules is enforceable under the Virginia Consumer Protection Act. If a required contract notice is missing, you can void the contract within 10 days after signing.

Stronger limits on canceling home insurance

The law narrows when insurers can cancel or not renew owner-occupied home policies. Allowed cancel reasons are only six: unpaid premium, a relevant crime, fraud or material misrepresentation, reckless acts that raise risk (found by inspection), physical changes that make the home uninsurable (found by inspection), or a trustee’s foreclosure sale. Insurers must give written notice with the reason at least 30 days before, or at least 10 days for nonpayment, and tell you that you have 10 days to ask the Insurance Commissioner to review. Your policy stays in force during the review, except for nonpayment cases. Insurers cannot refuse renewal solely for protected traits, claims older than 60 months, or simple inquiries; credit data must come from a report pulled within 120 days of the decision. Foster parents are protected, but some exceptions apply, and group‑membership insurers may deny renewal if you leave the group. Insurers must keep cancellation records for one year, and regulators and insurers have legal protection for statements made to follow these rules.

Sponsors & Cosponsors

Sponsor

  • Scott A. Surovell

    Democratic • Senate

Cosponsors

There are no cosponsors for this bill.

Roll Call Votes

All Roll Calls

Yes: 255 • No: 0

Senate vote 3/10/2026

House substitute agreed to by Senate

Yes: 40 • No: 0

House vote 3/6/2026

Passed House with substitute Block Vote

Yes: 97 • No: 0

House vote 3/3/2026

Reported from Labor and Commerce with substitute

Yes: 22 • No: 0

House vote 2/26/2026

Subcommittee recommends reporting with substitute

Yes: 6 • No: 0

Senate vote 2/3/2026

Read third time and passed Senate

Yes: 38 • No: 0 • Other: 1

Senate vote 2/2/2026

Committee amendments agreed to (Voice Vote)

Yes: 0 • No: 0

Senate vote 1/30/2026

Passed by for the day Block Vote (Voice Vote)

Yes: 0 • No: 0

Senate vote 1/30/2026

Constitutional reading dispensed Block Vote (on 1st reading)

Yes: 38 • No: 0

Senate vote 1/28/2026

Reported from General Laws and Technology with amendments

Yes: 14 • No: 0 • Other: 1

Actions Timeline

  1. Acts of Assembly Chapter text (CHAP0658)

    4/13/2026Governor
  2. Fiscal Impact Statement from State Corporation Commission (SB402)

    4/13/2026Senate
  3. Approved by Governor-Chapter 658 (Effective 1/1/2027)

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

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

    3/31/2026Senate
  6. Signed by Speaker

    3/31/2026House
  7. Bill text as passed Senate and House (SB402ER)

    3/30/2026Senate
  8. Enrolled

    3/30/2026Senate
  9. Signed by President

    3/30/2026Senate
  10. House substitute agreed to by Senate (40-Y 0-N 0-A)

    3/10/2026Senate
  11. Passed House with substitute Block Vote (97-Y 0-N 0-A)

    3/6/2026House
  12. Engrossed by House - committee substitute

    3/6/2026House
  13. committee substitute agreed to

    3/6/2026House
  14. Read third time

    3/6/2026House
  15. Read second time

    3/5/2026House
  16. Fiscal Impact Statement from State Corporation Commission (SB402)

    3/3/2026Senate
  17. Committee substitute printed 26108168D-H1

    3/3/2026House
  18. Reported from Labor and Commerce with substitute (22-Y 0-N)

    3/3/2026House
  19. House subcommittee offered

    2/26/2026House
  20. Subcommittee recommends reporting with substitute (6-Y 0-N)

    2/26/2026House
  21. Assigned HCL sub: Subcommittee #2

    2/25/2026House
  22. Referred to Committee on Labor and Commerce

    2/9/2026House
  23. Read first time

    2/9/2026House
  24. Placed on Calendar

    2/9/2026House
  25. Fiscal Impact Statement from State Corporation Commission (SB402)

    2/3/2026Senate

Bill Text

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