VA SB402

Prohibits insurers from refusing coverage, canceling, or refusing to renew owner-occupied dwelling policies solely based on asphalt shingle roof age 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 written proof of roof age (receipts, contracts, building permits, or inspector reports) or obtain a roof inspection at the owner's expense before denying coverage based on roof age or condition.

Establishes that roof age is calculated from the date when 100 percent of the roof surface was built or replaced in compliance with building codes at that time.

Creates new consumer protection regulations for residential roofing contractors, adding Chapter 60 (§§ 59.1-614 through 59.1-617) to Title 59.1, with violations constituting prohibited practices under the Virginia Consumer Protection Act.

Permits insurers to still require repair or replacement of damaged, deteriorated, or deficient roof portions identified in inspection reports, and does not require insurers to offer optional coverages or endorsements beyond the base policy.