# Virginia SB402: Residential property owners; insurance policies, roofing services by contractors.

Virginia SB402, Residential property owners; insurance policies, roofing services by contractors., is a 2026 Regular Session Senate bill sponsored by Scott A. Surovell (Democratic); status signed, last action 2026-04-13 (Acts of Assembly Chapter text (CHAP0658)); PRIA reads it as touching household money (as of 2026-10-12).

- Canonical: https://policyrisk.com/state-bill/VA-SB402-2026
- As of: 2026-10-12
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: Virginia SB402
- State: Virginia
- Session: 2026 Regular Session
- Title: Residential property owners; insurance policies, roofing services by contractors.
- Status: signed
- Chamber: Senate
- Introduced: 2026-01-13
- Last action: 2026-04-13, Acts of Assembly Chapter text (CHAP0658)
- Sponsor: Scott A. Surovell (Democratic)
- Cosponsors: 0
- Touches household money: yes
- Roll calls: 9 (255 yes, 0 no in all)
- Economic provisions PRIA read: 3

## 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.

## Bill overview: provisions PRIA read

- Homeowners can cancel emergency roofing contracts: benefit, low. 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…
- More protection from roofing claim abuses: benefit, low. 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…
- Roof coverage protections with inspection costs: mixed, medium. 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…

## Sponsors and cosponsors

- Sponsor: Scott A. Surovell (Democratic), Senate

## Roll call votes

| Date | Chamber | Motion | Result | Yes | No | Other |
| --- | --- | --- | --- | --- | --- | --- |
| 2026-03-10 | Senate | House substitute agreed to by Senate | pass | 40 | 0 |   |
| 2026-03-06 | House | Passed House with substitute Block Vote | pass | 97 | 0 |   |
| 2026-03-03 | House | Reported from Labor and Commerce with substitute | pass | 22 | 0 |   |
| 2026-02-26 | House | Subcommittee recommends reporting with substitute | pass | 6 | 0 |   |
| 2026-02-03 | Senate | Read third time and passed Senate | pass | 38 | 0 | 1 |
| 2026-02-02 | Senate | Committee amendments agreed to (Voice Vote) | pass | 0 | 0 |   |
| 2026-01-30 | Senate | Passed by for the day Block Vote (Voice Vote) | pass | 0 | 0 |   |
| 2026-01-30 | Senate | Constitutional reading dispensed Block Vote (on 1st reading) | pass | 38 | 0 |   |
| 2026-01-28 | Senate | Reported from General Laws and Technology with amendments | pass | 14 | 0 | 1 |

## Actions (37)

- 2026-04-13: Acts of Assembly Chapter text (CHAP0658) (Governor)
- 2026-04-13: Fiscal Impact Statement from State Corporation Commission (SB402) (Senate)
- 2026-04-13: Approved by Governor-Chapter 658 (Effective 1/1/2027) (Governor)
- 2026-03-31: Governor's Action Deadline 11:59 p.m., April 13, 2026 (Governor)
- 2026-03-31: Enrolled Bill communicated to Governor on March 31, 2026 (Senate)
- 2026-03-31: Signed by Speaker (House)
- 2026-03-30: Bill text as passed Senate and House (SB402ER) (Senate)
- 2026-03-30: Enrolled (Senate)
- 2026-03-30: Signed by President (Senate)
- 2026-03-10: House substitute agreed to by Senate (40-Y 0-N 0-A) (Senate)
- 2026-03-06: Passed House with substitute Block Vote (97-Y 0-N 0-A) (House)
- 2026-03-06: Engrossed by House - committee substitute (House)
- 2026-03-06: committee substitute agreed to (House)
- 2026-03-06: Read third time (House)
- 2026-03-05: Read second time (House)
- 2026-03-03: Fiscal Impact Statement from State Corporation Commission (SB402) (Senate)
- 2026-03-03: Committee substitute printed 26108168D-H1 (House)
- 2026-03-03: Reported from Labor and Commerce with substitute (22-Y 0-N) (House)
- 2026-02-26: House subcommittee offered (House)
- 2026-02-26: Subcommittee recommends reporting with substitute (6-Y 0-N) (House)
- 2026-02-25: Assigned HCL sub: Subcommittee #2 (House)
- 2026-02-09: Referred to Committee on Labor and Commerce (House)
- 2026-02-09: Read first time (House)
- 2026-02-09: Placed on Calendar (House)
- 2026-02-03: Fiscal Impact Statement from State Corporation Commission (SB402) (Senate)
- 2026-02-03: Read third time and passed Senate (38-Y 0-N 1-A) (Senate)
- 2026-02-02: Committee amendments agreed to (Voice Vote) (Senate)
- 2026-02-02: Engrossed by Senate as amended (Voice Vote) (Senate)
- 2026-02-02: Read second time (Senate)
- 2026-01-30: Passed by for the day Block Vote (Voice Vote) (Senate)
- 2026-01-30: Constitutional reading dispensed Block Vote (on 1st reading) (38-Y 0-N 0-A) (Senate)
- 2026-01-30: Rules suspended (Senate)
- 2026-01-28: Reported from General Laws and Technology with amendments (14-Y 0-N 1-A) (Senate)
- 2026-01-21: Senate subcommittee offered (Senate)
- 2026-01-21: Assigned GL&T sub: Housing (Senate)
- 2026-01-13: Referred to Committee on General Laws and Technology (Senate)
- 2026-01-13: Prefiled and ordered printed; Offered 01-14-2026 26105216D (Senate)

## Bill text

- Chaptered, 2026-04-13: [HTML](https://lis.blob.core.windows.net/files/1221741.HTML), [PDF](https://lis.blob.core.windows.net/files/1221740.PDF)
- Enrolled, 2026-03-30: [HTML](https://lis.blob.core.windows.net/files/1209950.HTML), [PDF](https://lis.blob.core.windows.net/files/1209949.PDF)
- Substitute, 2026-03-03: [HTML](https://lis.blob.core.windows.net/files/1191651.HTML), [PDF](https://lis.blob.core.windows.net/files/1191650.PDF)
- Substitute, 2026-02-27: [HTML](https://lis.blob.core.windows.net/files/1185590.HTML), [PDF](https://lis.blob.core.windows.net/files/1185589.PDF)
- Substitute, 2026-02-26: [HTML](https://lis.blob.core.windows.net/files/1184848.HTML), [PDF](https://lis.blob.core.windows.net/files/1184847.PDF)
- Engrossed, 2026-02-02: [HTML](https://lis.blob.core.windows.net/files/1105610.HTML), [PDF](https://lis.blob.core.windows.net/files/1105609.PDF)
- Amendment, 2026-01-29: [HTML](https://lis.blob.core.windows.net/files/1102056.HTML)
- Amendment, 2026-01-21: [HTML](https://lis.blob.core.windows.net/files/1093357.HTML), [HTML](https://lis.blob.core.windows.net/files/1093311.HTML)
- Introduced, 2026-01-13: [HTML](https://lis.blob.core.windows.net/files/1089929.HTML), [PDF](https://lis.blob.core.windows.net/files/1089928.PDF)

## Related bills

- HB5: Employment; paid sick leave, civil penalties. (signed)
- SB199: Employment; paid sick leave, civil penalties. (signed)
- HB95: Va. Residential Landlord and Tenant Act; landlord remedies, noncompliance with rental agreement. (signed)
- HB1393: Electric utilities; pilot program for energy assistance and weatherization for certain individuals. (signed)
- HB834: Virginia Residential Landlord and Tenant Act; fire or casualty damage, termination by landlord. (signed)
- HB675: Protection of employees; coercion or threat based on immigration status, civil penalty. (signed)

## Sources
- [Chaptered (HTML)](https://lis.blob.core.windows.net/files/1221741.HTML)
- [Chaptered (PDF)](https://lis.blob.core.windows.net/files/1221740.PDF)
- [Enrolled (HTML)](https://lis.blob.core.windows.net/files/1209950.HTML)
- [Enrolled (PDF)](https://lis.blob.core.windows.net/files/1209949.PDF)
- [Substitute (HTML)](https://lis.blob.core.windows.net/files/1191651.HTML)
- [Substitute (PDF)](https://lis.blob.core.windows.net/files/1191650.PDF)
- [Substitute (HTML)](https://lis.blob.core.windows.net/files/1185590.HTML)
- [Substitute (PDF)](https://lis.blob.core.windows.net/files/1185589.PDF)
- [Substitute (HTML)](https://lis.blob.core.windows.net/files/1184848.HTML)
- [Substitute (PDF)](https://lis.blob.core.windows.net/files/1184847.PDF)
- [Engrossed (HTML)](https://lis.blob.core.windows.net/files/1105610.HTML)
- [Engrossed (PDF)](https://lis.blob.core.windows.net/files/1105609.PDF)
- [Amendment (HTML)](https://lis.blob.core.windows.net/files/1102056.HTML)
- [Amendment (HTML)](https://lis.blob.core.windows.net/files/1093357.HTML)
- [Amendment (HTML)](https://lis.blob.core.windows.net/files/1093311.HTML)
- [Introduced (HTML)](https://lis.blob.core.windows.net/files/1089929.HTML)
- [Introduced (PDF)](https://lis.blob.core.windows.net/files/1089928.PDF)

## Related
- [HB5: Employment; paid sick leave, civil penalties.](https://policyrisk.com/state-bill/VA-HB5-2026)
- [SB199: Employment; paid sick leave, civil penalties.](https://policyrisk.com/state-bill/VA-SB199-2026)
- [HB95: Va. Residential Landlord and Tenant Act; landlord remedies, noncompliance with…](https://policyrisk.com/state-bill/VA-HB95-2026)
- [HB1393: Electric utilities; pilot program for energy assistance and weatherization for…](https://policyrisk.com/state-bill/VA-HB1393-2026)
- [HB834: Virginia Residential Landlord and Tenant Act; fire or casualty damage, terminat…](https://policyrisk.com/state-bill/VA-HB834-2026)
- [HB675: Protection of employees; coercion or threat based on immigration status, civil…](https://policyrisk.com/state-bill/VA-HB675-2026)
- [Virginia bills](https://policyrisk.com/states/virginia/bills)
- [Virginia state hub](https://policyrisk.com/states/virginia)
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Source: PRIA, https://policyrisk.com/state-bill/VA-SB402-2026 (as of 2026-10-12).