Insurance; unfair claim settlement practices, modification of loss estimate.
Introduced
Moved
Reached a final decision
Became law
Derived from the official record below.
Officially: “An Act to amend and reenact § 38.2-510 of the Code of Virginia, relating to insurance; unfair claim settlement practices; modification of loss estimate.” Read the full text
2026 session
What it does
Insurance; unfair claim settlement practices; modification of loss estimate. Prohibits an insurer, when reducing a loss estimate of $3,000 or more, from altering or amending an insurance adjuster's estimate of damages, photographic report data, or narrative report without meeting certain requirements including providing the policyholder with a detailed explanation as to why any change that has the effect of reducing the loss estimate was made.
From the official legislative record, shown verbatim. Not legal advice.
Where it is
Introduced · Jan 13, 2026
Acts of Assembly Chapter 672 (latest official status)
Latest official status shown, exactly as the official record states it. The step by step history lives on the official page linked below.
The numbers
7
sponsors on the bill
Sponsors
Dan I. HelmerNicole ColeMark C. DowneyPhil M. HernandezMay NivarStacey Annie CarrollMike A. Cherry
Recorded votes
Senate substitute agreed to by House (98-Y 0-N 0-A)House of Delegates · 2026-03-12 · P · Y 98, X 1
Passed Senate with substitute (33-Y 7-N 0-A)Senate · 2026-03-11 · P · Y 33, N 7
Constitutional reading dispensed (on 2nd reading) (37-Y 0-N 0-A)Senate · 2026-03-10 · P · Y 37, X 3
Reported from Commerce and Labor with substitute (12-Y 3-N)Senate · 2026-03-09 · P · N 3, Y 12
Read third time and passed House (97-Y 0-N 0-A)House of Delegates · 2026-02-17 · P · Y 97, X 3
Reported from Labor and Commerce with amendment(s) (20-Y 0-N)House of Delegates · 2026-02-12 · P · Y 20, X 2
Subcommittee recommends reporting with amendment(s) (8-Y 0-N)House of Delegates · 2026-02-10 · P · Y 8, X 1
Roll-call results shown verbatim from the Virginia legislature’s records. A result reflects that roll call’s own motion, not the bill’s overall outcome.
Every fact on this page links to its source, starting with the official bill record. Last action: Acts of Assembly Chapter 672.