1. United States
2. Va.
3. Letter

HB 677 / SB 402 would provide a practical, common-sense fix to a growing problem in Virginia’s housing market: insurance decisions that derail transactions or destabilize homeowners solely because a roof hits an age threshold, even when it’s still serviceable. I work with buyers and sellers, and we’re seeing more situations where coverage can’t be bound, a policy is nonrenewed, or premiums jump late in the process based largely on roof age. That creates last-minute renegotiations, delays, and sometimes failed contracts. It hurts families trying to move, sellers who have already made plans, and the overall stability of the market. These bills strike a reasonable balance. Insurers can still underwrite risk and price policies appropriately, but homeowners and buyers should have a fair path to prove roof age or obtain an inspection that reflects remaining useful life. Decisions should be based on documented facts and actual condition, not a blanket cutoff that ignores reality on the ground. I also support the consumer protections related to roofing contractors included in these bills. They help discourage claim-chasing and high-pressure tactics that can push homeowners into unnecessary or inflated work, especially following emergencies. Please support HB 677 and SB 402 to promote fair, transparent underwriting, protect consumers, and reduce avoidable disruptions in real estate transactions across Virginia.