Bill
Bill > SB402
summary
Introduced
01/13/2026
01/13/2026
In Committee
03/03/2026
03/03/2026
Crossed Over
03/10/2026
03/10/2026
Passed
03/30/2026
03/30/2026
Dead
Introduced Session
Potential new amendment
2026 Regular Regular Session
Bill 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.
AI Summary
This bill aims to protect residential property owners by establishing new rules for insurance companies and roofing contractors. It prohibits insurers from denying coverage, canceling, refusing to renew, or increasing premiums on policies for owner-occupied homes solely based on the age or condition of the roof, unless certain exceptions apply, such as if the roof is less than 15 years old and the owner cannot provide proof of its actual age, or if an inspector determines the roof has less than five years of useful life remaining. The bill also introduces consumer protections for roofing services, making it illegal for contractors to waive deductibles, offer inducements to avoid paying deductibles, or solicit business with misleading advertisements. Contractors must provide good faith estimates and include specific contract language advising homeowners to verify coverage with their insurance company. Furthermore, homeowners can cancel roofing contracts within 10 days if the contract was signed within 180 days of a declared state of emergency and the property is within the affected area. Violations of these new provisions will be enforced under the Virginia Consumer Protection Act.
Committee Categories
Business and Industry, Housing and Urban Affairs, Justice
Sponsors (1)
Last Action
Governor's Action Deadline 11:59 p.m., April 13, 2026 (on 03/31/2026)
Official Document
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