VA HB677

Prohibits insurers from refusing coverage, canceling, or refusing to renew homeowner policies solely based on the age of asphalt shingle roofs if the roof is less than 15 years old or has at least five years of useful life remaining as determined by an authorized inspector.

Requires insurers to allow homeowners to provide proof of roof age through receipts, contracts, building permits, or professional inspection reports before denying coverage based on roof condition.

Defines "authorized inspector" as a licensed home inspector, licensed residential contractor, professional engineer, or other qualified individual recognized by the insurer.

Establishes new consumer protections for roofing services, prohibiting contractors from engaging in prohibited practices related to insurance claims, and adds violations to the Virginia Consumer Protection Act's list of unlawful practices.

Allows insurers to still require repairs for documented roof damage, defects, or deterioration, but prevents them from mandating full roof replacement solely to circumvent the new age-based protections.