---
type: "Bill"
title: "Insurance; unfair claim settlement practices, modification of loss estimate."
description: "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."
jurisdiction: "us/states/va"
legislature: "Virginia General Assembly"
session: "2026"
identifier: "HB 808"
citation: "Virginia HB 808 (2026)"
classification: ["bill"]
subjects: []
status: "enacted"
primary_sponsors: ["Dan I. Helmer"]
version_count: 7
action_count: 33
vote_count: 7
first_action: "2026-01-13"
last_action: "2026-04-13"
source: "openstates"
source_identifier: "ocd-bill/a34e7a86-ef41-477b-bdf8-9a083fbc573d"
source_url: "https://lis.virginia.gov/bill-details/20261/HB808"
source_hash: "44ca0de3ff550d4ac7a5b9e1be7a9baef95063a7c7877f2e197e9f42d5220c60"
vintage: "2026-07-01"
source_snapshot: "https://data.openstates.org/daily/2026-07-01/public.pgdump"
retrieved_at: "2026-07-06"
confidence: "reported"
tags: ["legislation", "bill", "us-va"]
---

# Virginia HB 808 (2026) — Insurance; unfair claim settlement practices, modification of loss estimate.

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.

## Version chain

The bill's text revisions, in order — the diff chain from filing to enrollment.

1. **Introduced** (filed) — [source](https://lis.blob.core.windows.net/files/1085974.PDF)
2. **Chaptered** (committee substitute) — [source](https://lis.blob.core.windows.net/files/1221651.PDF)
3. **Commerce and Labor Substitute** (committee substitute) — [source](https://lis.blob.core.windows.net/files/1201761.PDF)
4. **Engrossed** (committee substitute) — [source](https://lis.blob.core.windows.net/files/1147058.PDF)
5. **Labor and Commerce Amendment** (committee substitute) — [source](https://lis.blob.core.windows.net/files/1145843.HTML)
6. **Subcommittee #1 Subcommittee Amendment** (committee substitute) — [source](https://lis.blob.core.windows.net/files/1139093.HTML)
7. **Enrolled** (enrolled) — [source](https://lis.blob.core.windows.net/files/1213448.PDF)

## Votes

- Subcommittee recommends reporting with amendment(s) — **8–0** (pass) · lower
- H VOTE: — **96–0** (pass) · lower
- Passage R — **33–7** (pass) · upper
- H VOTE: — **98–0** (pass) · lower
- Constitutional reading dispensed (on 2nd reading) — **37–0** (pass) · upper
- Reported from Labor and Commerce with amendment(s) — **20–0** (pass) · lower
- Reported from Commerce and Labor with substitute — **12–3** (pass) · upper

## Sponsors

- Dan I. Helmer — primary (person)
- Mark C. Downey — cosponsor (person)
- May Nivar — cosponsor (person)
- Nicole Cole — cosponsor (person)
- Phil M. Hernandez — cosponsor (person)
- Stacey Annie Carroll — cosponsor (person)

## Timeline

The legislative action history — every referral, reading, and vote.

- **2026-01-13** Prefiled and ordered printed; Offered 01-14-2026 26100346D `filing, introduction`
- **2026-01-13** Referred to Committee on Labor and Commerce `referral-committee`
- **2026-01-22** Assigned HCL sub: Subcommittee #1 `referral-committee`
- **2026-02-02** Fiscal Impact Statement from State Corporation Commission (HB808)
- **2026-02-10** Subcommittee recommends reporting with amendment(s) (8-Y 0-N)
- **2026-02-10** House subcommittee offered
- **2026-02-12** Reported from Labor and Commerce with amendment(s) (20-Y 0-N) `committee-passage`
- **2026-02-15** Read first time `reading-1`
- **2026-02-16** Read second time `reading-2`
- **2026-02-16** committee amendments agreed to `amendment-passage`
- **2026-02-16** Engrossed by House as amended
- **2026-02-17** Read third time and passed House (97-Y 0-N 0-A) `passage, reading-3`
- **2026-02-18** Constitutional reading dispensed (on 1st reading)
- **2026-02-18** Referred to Committee on Commerce and Labor `referral-committee`
- **2026-03-09** Senate committee offered
- **2026-03-09** Reported from Commerce and Labor with substitute (12-Y 3-N) `committee-passage`
- **2026-03-09** Committee substitute printed 26109104D-S1 `substitution`
- **2026-03-10** Rules suspended
- **2026-03-10** Constitutional reading dispensed (on 2nd reading) (37-Y 0-N 0-A)
- **2026-03-10** Passed by for the day (Voice Vote)
- **2026-03-11** Read third time `reading-3`
- **2026-03-11** Commerce and Labor Substitute agreed to
- **2026-03-11** Engrossed by Senate - committee substitute `substitution`
- **2026-03-11** Passed Senate with substitute (33-Y 7-N 0-A) `passage`
- **2026-03-12** Senate substitute agreed to by House (98-Y 0-N 0-A) `substitution`
- **2026-03-30** Enrolled `enrolled`
- **2026-03-30** Bill text as passed House and Senate (HB808ER) `passage`
- **2026-03-30** Signed by President `passage`
- **2026-03-31** Signed by Speaker `passage`
- **2026-03-31** Enrolled Bill communicated to Governor on March 31, 2026 `enrolled, executive-receipt`
- **2026-03-31** Governor's Action Deadline 11:59 p.m., April 13, 2026 `executive-receipt`
- **2026-04-13** Approved by Governor-Chapter 672 (effective 7/1/2026) `executive-signature`
- **2026-04-13** Acts of Assembly Chapter text (CHAP0672)

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/a34e7a86-ef41-477b-bdf8-9a083fbc573d`. Confidence: reported (aggregated from official Virginia legislature records).