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VA SB402

VA SB402
Residential property owners; insurance policies, roofing services by contractors.

summary

Introduced
01/13/2026
In Committee
03/03/2026
Crossed Over
03/10/2026
Passed
04/13/2026
Dead
Signed/Enacted/Adopted
04/13/2026

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, effective January 1, 2027, aims to protect residential property owners by regulating insurance policies and roofing contractor practices. It prohibits insurance companies from denying coverage, canceling, refusing to renew, or increasing premiums for owner-occupied dwellings solely based on the age or condition of an asphalt shingle roof, unless specific exceptions apply, such as the roof being less than 15 years old without proof of age, or if an inspector determines it has less than five years of useful life remaining. The bill also introduces new consumer protection measures for roofing services, prohibiting contractors from waiving deductibles, engaging in deceptive advertising, offering inducements to avoid deductibles, or accepting referral fees. Contractors must provide good faith estimates and include specific contract language advising homeowners to verify coverage with their insurer. Furthermore, in the event of a declared state of emergency, homeowners can cancel roofing contracts within a specified timeframe. 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

Acts of Assembly Chapter text (CHAP0658) (on 04/13/2026)

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