Virginia roofing leads
Summit Leads supplies roofing leads in Virginia by real-time ping/post, exclusive by default, with ZIP code filters. From January 1, 2027, Code of Virginia 59.1-618 bars contractors from paying or waiving a homeowner's insurance deductible, and NOAA counted 78 Virginia hail records in 2025.
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Virginia facts for roofing lead buyers
| Fact | Value Source |
|---|---|
| Insurance deductible rule for contractors | No paying, waiving or rebating a deductible on repairs to an owner-occupied home (Code of Virginia 59.1-618, effective January 1, 2027; 2026 Acts, chapters 657 and 658)Code of Virginia 59.1-618, Prohibited conduct; prohibited advertisements (effective January 1, 2027) Virginia General Assembly, Legislative Information System |
| Roofing contract cancellation after a state of emergency | Within 10 days or by the start date, for contracts signed within 180 days of a Governor's declaration (Code of Virginia 59.1-619, effective January 1, 2027)Code of Virginia 59.1-619, State of emergency; required notice; right to cancel contract (effective January 1, 2027) Virginia General Assembly, Legislative Information System |
| Hail reports | 78 Storm Events records with event type Hail, 2025 (NOAA NCEI, file dated August 19, 2026)Storm Events Database, 2025 details file (StormEvents_details-ftp_v1.0_d2025_c20260819) NOAA National Centers for Environmental Information |
| FEMA major disaster declarations for severe storms, tornadoes or hurricanes | 1 declared January 1, 2023 to October 7, 2026 (DR-4863, April 4, 2025)OpenFEMA Dataset: Disaster Declarations Summaries, v2 FEMA |
| Owner-occupied housing units | 2,266,609 of 3,365,732 occupied units (ACS 5-year 2020-2024)Table B25003, Tenure: Virginia (ACS 5-Year 2020-2024) U.S. Census Bureau |
| Median year structure built | 1984 (ACS 5-year 2020-2024)Table B25035, Median Year Structure Built: Virginia (ACS 5-Year 2020-2024) U.S. Census Bureau |
| Housing units built before 1980 | 43.5% (ACS 5-year 2020-2024, table B25034)Table B25034, Year Structure Built: Virginia (ACS 5-Year 2020-2024) U.S. Census Bureau |
Last reviewed: October 7, 2026. A summary for education, not legal advice.
Virginia's new law on roof claims and contracts
This section is general information, not legal advice. It summarizes official sources as of October 7, 2026; check the current text of each rule before relying on it.
Virginia added a roofing chapter to its consumer law in 2026. The Residential Property Owners Protection Act (Acts of Assembly 2026, chapters 657 and 658) is Chapter 61 of Title 59.1 and takes effect on January 1, 2027. Its core rule, in Code of Virginia 59.1-618 (effective January 1, 2027), is that no contractor may knowingly or willfully pay, waive or rebate all or part of an insurance deductible on repairs to a home insured as owner-occupied.
The same section lists practices a contractor may not use with a residential property owner:
- offering a rebate, credit, gift, cash, coupon or help avoiding the deductible in returnReturnA buyer's request for credit on a lead that fails agreed standards, such as a disconnected number, a duplicate or a lead outside the filters. Glossary for a roof inspection or a roof damage claim
- paying or accepting a fee for referring work that property insurance will pay for
- giving a repair agreement on a claim without a good faith, itemized estimate
- soliciting with an advertisement that leaves out the required statements on the deductible, unlicensed public adjusting and the Virginia Consumer Protection Act
- signing a roofing contract without a notice of these barred inducements (the owner may then void it within 10 days) or without a 14-point bold statement urging the owner to check coverage with the insurer
Storms add one more rule. Under Code of Virginia 59.1-619 (effective January 1, 2027), an owner who signs a roofing contract within 180 days of a Governor's state of emergency covering the property may cancel within 10 days or by the official start date, whichever comes first. Violations are prohibited practices under the Virginia Consumer Protection Act. The Board for Contractors license classes and the home solicitation cancellation rule are on leads in Virginia.
Hail records and federal storm declarations in Virginia
Virginia had 78 hail records in the NOAA Storm Events 2025 details file, 31st among the 50 states in that file.
FEMA's Disaster Declarations Summaries show one counted Virginia major disaster from January 1, 2023 through October 7, 2026: DR-4863, declared April 4, 2025, titled severe winter storms and flooding and typed by FEMA as a severe storm. Tropical Storm Helene led to a separate declaration, DR-4831 on October 1, 2024; it is a tropical storm declaration and is not part of the count.
Method: a hail record is one county or forecast zone on one 2025 storm date. A declaration counts once if FEMA's incident type is severe storm, tornado or hurricane, or if its title names one of them; a title naming only severe winter storms does not qualify by title alone.
Virginia homeowners and housing age
The Census Bureau counts 2,266,609 owner-occupied units among 3,365,732 occupied Virginia housing units in table B25003 (ACS 5-year 2020-2024). The 2027 deductible rule applies to repairs on property insured as owner-occupied.
Half of Virginia's housing units were built in 1984 or later. Table B25035 gives a median year built of 1984, and table B25034 (ACS 5-year 2020-2024) shows 43.5% of units built before 1980, with 259,275 units from 1939 or earlier.
What Virginia roofing buyers filter on
- Insurance claim status: from 2027 the deductible and contract rules above apply to claim work, so buyers record whether a claim is filed or planned.
- Homeowner status: the deductible rule covers owner-occupied homes, and only owners sign.
- ZIP code: Northern Virginia, Hampton Roads and the Richmond area are often bought as separate territories.
- Project type: repair, replacement, or an inspection request after a storm.
Where buyers filter in Virginia
Ordered by the number of Virginia residents, these are the six largest metro areas in the state in the Census Bureau's July 1, 2025 estimates. Washington and Virginia Beach also reach into other states, so their populations are for the whole metro area. Any Virginia ZIP code can be a filterFilterA rule that decides which leads a buyer is offered, based on fields such as vertical, sub-type, state, ZIP code, homeownership or accident details. Glossary.
- Washington-Arlington-Alexandria, DC-VA-MD-WV: 6,465,724 (July 1, 2025 estimate, whole metro area)
- Virginia Beach-Chesapeake-Norfolk, VA-NC: 1,797,213 (July 1, 2025 estimate, whole metro area)
- Richmond: 1,389,338 (July 1, 2025 estimate)
- Roanoke: 316,547 (July 1, 2025 estimate)
- Lynchburg: 269,169 (July 1, 2025 estimate)
- Charlottesville: 228,597 (July 1, 2025 estimate)
Source: Metropolitan and Micropolitan Statistical Area population estimates, Vintage 2025 (cbsa-est2025-alldata), U.S. Census Bureau.
Consent records for Virginia roofing leads
Virginia roofing leads carry the TCPATCPAThe Telephone Consumer Protection Act, the federal law that governs telemarketing calls and texts, autodialers, prerecorded voice messages and the Do Not Call Registry. Glossary consent record captured on the quote form. For Virginia's telephone solicitation rules, use the Virginia row of the state telemarketing laws table; leads in Virginia is the combined page for MVA and home improvement buyers.
Virginia roofing lead questions
When does Virginia's ban on contractor deductible waivers start?
January 1, 2027. Code of Virginia 59.1-618, enacted by 2026 Acts chapters 657 and 658, takes effect that day. This is general information, not legal advice.
Can a Virginia homeowner cancel a roofing contract signed after a state of emergency?
From January 1, 2027, yes, within 10 days or by the official start date, if the contract was signed within 180 days of the Governor's declaration and the home is in the covered area (Code of Virginia 59.1-619). This is general information, not legal advice.
Is Tropical Storm Helene part of the Virginia storm declaration count?
No. Helene's Virginia declaration, DR-4831 (October 1, 2024), is a tropical storm declaration. The one counted declaration is DR-4863 (April 4, 2025), per FEMA's Disaster Declarations Summaries.
Can buyers take roofing leads in Virginia Beach and leave out Northern Virginia?
Yes. Buyers choose ZIP codes, so Hampton Roads and Northern Virginia can be bought separately or together. Roofing leads are exclusive by default, with shared delivery on request.
Request Virginia roofing leads
Email us the Virginia ZIP codes you cover, your daily volume or caps and how you take delivery. Return terms are agreed on the onboarding call, before you go live.
Start small, with no long-term commitment
- No long-term contract. Pause or stop at any time.
- No setup fee and no monthly fee. You pay only for leads delivered that match your filters.
- Start with a small test volume and scale when the numbers work.
- MVA and home improvement leads are exclusive by default: each lead is sold to one buyer.
- Return terms are agreed on the onboarding call, before you go live.
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