VirginiaSB4022026 Regular SessionSenateWALLET

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

Sponsored By: Scott A. Surovell (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 HB 677.

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Bill Overview

Analyzed Economic Effects

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

Roof coverage protections with inspection costs

Beginning January 1, 2027, insurers face new limits on denying, canceling, or not renewing owner-occupied homes with asphalt-shingle roofs. Owners must have a chance to prove roof age using installation records, permits, or an authorized inspector's report. Without age records, owners or purchasers can get an inspection at their own expense. For roofs at least 15 years old, insurers must allow an authorized inspection before requiring replacement to issue or renew coverage. A finding of at least five useful years remaining protects against refusal based solely on roof condition. Insurers can still require repairs to damaged or deficient portions, and specified adverse conditions must be fixed before coverage is required. Coverage cuts or higher deductibles must reflect documented property risks.

Homeowners can cancel emergency roofing contracts

Beginning January 1, 2027, owners in a Governor-declared emergency area get a penalty-free right to cancel qualifying roofing contracts. The contract must be signed within 180 days after the emergency declaration. Owners must cancel by the earlier of 10 days after signing or the official start date of services. Cancellation must use certified mail with return receipt requested, or another mail service that proves delivery. Contractors must include a bold notice in at least 14-point type explaining this right and defining the official start date.

More protection from roofing claim abuses

Beginning January 1, 2027, contractors cannot knowingly pay, waive, or rebate insurance deductibles for covered repairs to owner-occupied homes. They cannot offer gifts, credits, or other rewards to induce inspections, claims, or deductible avoidance. Insurance-paid service referrals cannot involve payments, except lawful payments for roofing services themselves. Soliciting ads must explain the owner's deductible duty, the ban on unauthorized public adjusting, and possible consumer-law violations from deductible offers. Contractors must provide good-faith, itemized cost and material estimates for insurance-claim repairs. Roofing contracts must include a prohibited-practices notice; owners can void the contract within 10 days after signing if it is missing. The signature page must include an acknowledged, bold warning in at least 14-point type to contact the insurer about coverage, deductibles, and policy terms before signing. Violations are also prohibited practices under the Virginia Consumer Protection Act and subject to its enforcement process.

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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