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

The document was updated to reflect official enactment, changing the header from a draft 'House Substitute' to 'Chapter 657' with an approval date of April 13, 2026.

Formatting changes were applied to align with the final legislative record, including the addition of chapter numbers and page breaks.

The effective date of the new residential property owner protections was moved forward from January 1, 2027, to July 1, 2026.

A specific date stamp (February 13, 2026) was added to the document header, and the layout was adjusted to reflect the Appropriations Substitute version.

The document structure was changed to include 'House Substitute' headers, page numbers (e.g., 26107049D), and line numbers, while the actual legal text of the bill remains unchanged.

Added a new section (38.2-1905.2) that explicitly forbids insurers from increasing premiums based on roof age (if under 15 years) or condition (if 5+ years of useful life remain).

Added a new section (38.2-1905.2) containing definitions for 'authorized inspector' and methods for calculating roof age, which were previously only found in the context of cancellation rules.

Removed the original 'Enrolled' header and formatting, replacing it with the new 'Labor and Commerce Substitute' header and page numbering.

Added a provision stating that the Insurance Commission may review rates and disapprove those that violate the new premium increase restrictions.

The document status changed from 'Introduced' to 'Enrolled', indicating the bill has passed both legislative chambers and received the Governor's approval, making it official law.

Minor formatting adjustments were made to align the text with standard legislative formatting conventions for enrolled bills.