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Bill

SB 402

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

2026 Regular Session Introduced by Scott Surovell

SB 402 prohibits Virginia insurers from denying coverage or penalizing homeowners who hire contractors for roofing services on residential properties.

Acts of Assembly Chapter text (CHAP0658)
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Bill Summary · SB 402

Legislative bill overview

SB 402 establishes protections for Virginia residential property owners regarding insurance policies and roofing contractor services. The bill appears to address the relationship between homeowners insurance requirements and roof repair or replacement services, likely preventing insurers from denying coverage or imposing penalties based on roofing work performed by contractors.

Why is this important

Rising insurance costs and roof damage claims have created friction between homeowners, insurers, and contractors in Virginia. This bill protects homeowners from potential coverage denials or premium increases when they hire independent contractors for roof work, which addresses a growing consumer protection issue in the insurance marketplace.

Potential points of contention

  • Insurance industry concerns: Insurers may argue that contractor-performed work without proper oversight increases claim costs, potentially leading to higher premiums for all policyholders
  • Contractor qualification standards: Unclear whether the bill requires specific licensing or qualifications for roofing contractors, which could create disputes over what work qualifies for protection
  • Coverage scope ambiguity: The bill's language may not clearly define which roofing services are covered, potentially leading to disputes between insurers and homeowners over claim eligibility

Compiled from official sources — confirm details with the bill’s official record.

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