Home Insurance in Virginia: What It Costs and What Actually Covers You

Virginia does not have one home insurance market. It has at least two, and the statewide average premium is a blend of them that describes neither.

On one side is inland and southwestern Virginia - the Shenandoah Valley, Richmond's western suburbs, Roanoke, Blacksburg, the coalfields. Ordinary property insurance. One deductible. Reasonably priced by national standards.

On the other side is Hampton Roads and the Eastern Shore - Virginia Beach, Norfolk, Portsmouth, Chesapeake, Accomack and Northampton counties, and the lower Chesapeake Bay - where a policy typically carries two deductibles, the second one being a percentage of your dwelling limit that applies to named storms, and where the difference between them is measured in tens of thousands of dollars.

If you live in the first Virginia, most of this guide is reassuring. If you live in the second, Section 2 is the most important thing in it, and it is a section most Virginia homeowners have never had explained to them until the storm has already come through.

This guide covers what the premium is and how much the statewide figure hides, which deductible applies to which peril and where, what is covered and what is not, whether your coverage limit is anywhere near your rebuild cost, and what happens if no carrier will write you - which in Virginia, unlike much of the South, has an actual answer.

A note before you start: everything below is general information about how homeowners insurance works in Virginia, not personalized insurance, legal, or financial advice. Policy forms, rates, and underwriting rules vary by carrier and by your individual circumstances - locality, distance to water, elevation, roof age, construction type, and claims history all move the answer materially. For coverage specific to your property, talk to a licensed Virginia insurance agent; for regulatory questions or complaints, the Virginia State Corporation Commission Bureau of Insurance is the state authority.

1. What home insurance actually costs in Virginia

The reference figure is $1,858 a year for $300,000 of dwelling coverage with a $1,000 deductible.

"Dwelling coverage" - labeled Coverage A on your declarations page - is the maximum the policy will pay to repair or rebuild the structure of your home. It is the anchor number for the entire policy, and as Section 2 explains, it is also what a hurricane deductible gets calculated from. $300,000 is a reference tier used so states can be compared on the same basis. As Section 4 explains, it is probably not the right number for your house.

The national average at that same $300,000 tier runs roughly $2,870. Virginia reads about 35% below it.

Where the figure comes from

Two independent 2026 surveys quote Virginia at the same $300,000 tier:

• Insurance.com's 2026 state rate table: Virginia at $1,939, at $300,000 dwelling / $300,000 liability / $1,000 deductible.
• Insurify's 2026 state table: Virginia at $1,776, at $300,000 dwelling / $1,000 deductible / $25,000 personal property / $300,000 liability, drawn from more than 180 carriers.

They disagree by about 9% - ordinary variation between quote-derived surveys with different carrier panels, and tight enough that the average between them is a reasonable number. Neither is stale, and neither is measuring a different tier, so both are used.

Corroboration at other coverage levels: NerdWallet's May 2026 analysis puts Virginia at $2,265 at $400,000 of dwelling coverage - higher, as it should be at a higher limit. ValuePenguin's 2026 table reads $1,498 at $350,000, which looks low until you notice it is a single-profile quote series (a 45-year-old with no claims and good credit) rather than a market average, which is why it sits below both $300,000 surveys despite assuming more coverage.

What the statewide average hides, which is the real story

Within-state spread is the thing a Virginia statewide average hides worst.

Coastal Virginia Beach and the Norfolk/Hampton Roads metro run materially above $1,858 on wind exposure alone - before you account for flood, which is a separate policy entirely and which Hampton Roads needs more than almost any metro in the country. Inland and southwestern Virginia run below it.

That is not a footnote. It is the difference between a policy you can shop casually and one where the structural terms matter more than the price. A $1,858 statewide average is a reasonable planning number for Roanoke. It is not one for Virginia Beach.

The trend

The measured change for 2026 is about +1.1% - Insurify's projection series has Virginia moving from $1,717 in 2025 to $1,736. Against the +4% national figure in the same report ($2,948 to $3,057), Virginia is running notably flat.

Note that the dollar levels in that projection series are not comparable to the $1,858 headline: it models a median policy at each home's actual dwelling limit with catastrophe deductibles baked in, not a fixed $300,000 tier. Only the rate of change is used here.

A near-flat statewide trend is genuinely good news for most of Virginia. It does not mean coastal renewals are flat, and if yours was not, the statewide number is not describing your situation.

2. The deductible that actually applies to your most likely claim

This is the most important section in this guide, and where you live in Virginia decides how much it applies to you.

Virginia has hurricane deductibles - and the regulator says so

Virginia is one of the nineteen states plus the District of Columbia where a separate hurricane or named-storm deductible is an established feature of the homeowners market, per the National Association of Insurance Commissioners.

More usefully, Virginia's own insurance regulator says it directly. The State Corporation Commission Bureau of Insurance tells homeowners in its consumer guide that many insurers apply a separate deductible to wind, hail, or named storms such as hurricanes and tropical storms, in addition to the deductible chosen for the policy. The guide describes it being written two ways:

• As a flat amount - the guide's own example is $2,000.
• As a percentage of the dwelling limit - the guide's worked examples use 2% and 5%.

Read that phrase again: "in addition to." This is a second deductible, not a replacement for the first. Your $1,000 all-perils deductible still exists and still governs fire, theft, water, and ordinary losses. The named-storm deductible sits alongside it and governs the named storm.

It is carrier practice, not a mandate - and that matters

This is where Virginia differs from Florida, and the difference is worth being precise about.

Florida has a mandatory-offer statute: carriers are required by law to offer hurricane deductibles at specified percentages, and the structure is essentially universal across the state.

Virginia has no such statute. The separate wind or named-storm deductible in Virginia is carrier practice, concentrated where the exposure is - which in Virginia means Hampton Roads (Virginia Beach, Norfolk, Portsmouth, Chesapeake), the Eastern Shore, and the lower Chesapeake Bay counties.

Inland Virginia policies frequently carry no separate wind deductible at all.

So the honest answer to "does Virginia have a hurricane deductible" is: it depends entirely on where your house is and who wrote your policy, and you have to go look.

What it costs in real dollars

The 2% figure used throughout this guide is the common coastal landing point, not a measured statewide average. The SCC does not publish a distribution of deductible types by county, so no more precise claim is made here.

On a $300,000 dwelling limit:

• 2% = $6,000
• 5% = $15,000

On a $400,000 dwelling limit - closer to a realistic Virginia coastal home:

• 2% = $8,000
• 5% = $20,000

Section 4 works out that a 2,000 square foot Virginia home costs roughly $490,000 to rebuild. At that limit:

• 2% = $9,800
• 5% = $24,500

Against a $1,000 all-perils deductible. At 5% on a properly-insured coastal home, your named-storm deductible is roughly twenty-four times your ordinary one.

The trap: the percentage is of your coverage, not your damage

The percentage applies to the insured value of the dwelling, not to the amount of the damage. A 5% deductible on a $490,000 dwelling limit is $24,500 whether the storm did $30,000 of damage or $400,000 of damage. It is not "5% of the claim."

So a moderate named-storm claim can be worth very little. If a tropical storm does $28,000 of damage to a home with a $490,000 limit and a 5% named-storm deductible, the insurer owes you $3,500. At 2% it owes you $18,200 on the same loss. The percentage is not a detail.

One more thing coastal Virginia gets wrong constantly

Storm surge is not a hurricane-deductible claim. It is a flood claim, and your homeowners policy does not cover it at all.

This is the single most consequential confusion in Hampton Roads. The named-storm deductible governs the wind half of a hurricane. The water half - surge, tidal flooding, rising water of any kind - is excluded from the homeowners policy entirely and requires a separate NFIP or private flood policy.

A single hurricane routinely does both kinds of damage. If you hold only one of the two policies, the other half of your loss is simply not covered, and the adjusting fight over which peril caused what is the reason coastal claims take as long as they do.

Section 3 covers flood in more detail. For now, the point is that a Hampton Roads homeowner who has diligently checked their hurricane deductible and skipped flood insurance has solved the smaller of their two problems.

What to actually do about it

1. Pull your declarations page and look for a second deductible line. It may be labeled "hurricane," "named storm," "windstorm," or "wind/hail." It is separate from the all-perils deductible and may be printed some distance from it.
2. If it is a percentage, multiply it out against your actual dwelling limit and write the number down. Homeowners routinely learn this figure after the storm rather than before it.
3. Find out what triggers it. Ask your agent specifically: does it apply to any named storm, only to a declared hurricane, only above a certain windspeed, and does it apply per event, per season, or per calendar year? The NAIC documents all three trigger structures in use. Per-season and per-calendar-year deductibles are meaningfully better for you than per-event ones in a busy year.
4. If you are inland and there is no second deductible, confirm it stays that way at renewal. Carriers have been extending these structures, and a renewal that quietly adds one is a material change to your policy that will not be highlighted for you.
5. Separately, check whether you have flood coverage. It is a different policy with a different bill. If you cannot produce it, you do not have it.

3. What a standard policy covers here - and the gaps

A homeowners policy bundles several distinct coverages:

• Coverage A - Dwelling. The structure itself.
• Coverage B - Other Structures. Detached garage, shed, fence, dock structures above the waterline. Usually about 10% of Coverage A automatically.
• Coverage C - Personal Property. Your belongings, usually 50% to 70% of Coverage A.
• Coverage D - Loss of Use. What it costs to live elsewhere while repairs happen. After a storm that damages a whole coastal community at once, rental supply vanishes and prices move - this coverage matters most in exactly the scenario Hampton Roads is exposed to.

Covered perils typically include fire, lightning, windstorm (including hurricane wind), hail, theft, vandalism, explosion, falling objects, weight of ice and snow, and sudden accidental discharge of water from plumbing.

Flood is never covered - anywhere, by anyone's homeowners policy

This is universal across all fifty states, not a Virginia rule. No homeowners policy covers flood. Flood coverage is a separate purchase through the National Flood Insurance Program (NFIP) or a private flood carrier.

In Virginia this gap is not academic. Hampton Roads has among the highest relative sea-level rise rates on the U.S. East Coast, driven by both rising seas and land subsidence, and the region experiences recurrent tidal or "sunny day" flooding independent of any storm. Norfolk, Virginia Beach, Portsmouth, and Poquoson all have neighborhoods where street flooding is a routine condition rather than a catastrophe.

Being outside a mapped high-risk flood zone is a statement about a flood map, not about whether your house can flood. A meaningful share of NFIP claims nationally come from outside high-risk zones - and in a region where the baseline is moving, maps age quickly.

The distinction that decides claims: wind damage is a homeowners claim; rising water and surge are a flood claim. Rain driven through a wind-breached roof is generally covered by the homeowners policy. Water that came in at the door because the tide rose is not.

Note also that Virginia's FAIR plan, described in Section 6, does not cover flood either. There is no version of the property insurance system in which flood comes bundled.

Other exclusions worth knowing in Virginia

• Earthquake. Excluded from standard policies. Virginia's seismic risk is modest but not zero - the 2011 Mineral, Virginia earthquake was felt across the entire East Coast and caused real structural damage, including to masonry buildings well outside the epicentral area. Earthquake coverage is a separate endorsement; on older brick housing in central Virginia it is worth at least pricing.
• Sinkholes and earth movement. Excluded. Parts of the Shenandoah Valley sit on karst limestone. Virginia has no statute requiring carriers to offer sinkhole coverage the way Florida does.
• Water backup from sewers and drains. Not covered by the base policy. It is an inexpensive endorsement and a high-value one in low-lying coastal neighborhoods where the storm drain system backs up before the water ever reaches your door.
• Maintenance and wear. Insurance covers sudden accidental damage, not deterioration. Salt air is hard on coastal Virginia housing, and a claim for something that failed gradually will be denied.
• Mold, beyond limited sublimits - a live issue in Virginia's humidity and a common post-water-loss dispute.
• Ordinance or law - the extra cost of rebuilding to current code rather than as originally built. In coastal Virginia this can be a very large number, because a substantial rebuild in a flood zone can trigger current elevation requirements. Available as an endorsement; ask for it by name if you are anywhere near the water.

4. Making sure you have enough coverage

The most consequential number on your policy is your Coverage A limit, and the most common way it goes wrong is setting it to your home's market value or your mortgage balance.

Neither is right. Dwelling coverage should equal the cost to rebuild your home from the foundation up at today's construction prices. Market value includes land, which does not burn and does not blow away. Your mortgage balance is a financing number with no relationship to construction cost.

Virginia's median home price is about $453,389. As you are about to see, that sits below what it costs to rebuild a typical Virginia home - which means insuring to market value here leaves a gap.

Working a real Virginia example

Rebuilding in Virginia runs roughly $245 per square foot - the midpoint of a published $180 to $310 band covering materials, labor, and general contractor overhead and profit, excluding land.

On a 2,000 square foot home:

• 2,000 x $245 = $490,000 to rebuild

Take the band seriously:

• At $180/sq ft: $360,000
• At $310/sq ft: $620,000

That is a $260,000 spread on the same house. Two honest limitations behind that width. First, the source publishes coarse regional bands - Virginia shares its exact $180-$310 range with South Carolina, Vermont, and Wisconsin, which makes it a regional band applied to Virginia rather than a Virginia-specific survey. Second, no Virginia building department or insurance regulator publishes a competing rebuild-cost figure to check it against.

Two other construction-cost series read Virginia lower - $173 and $148 per square foot. They are also measuring a narrower quantity: both land near a $162 national figure that excludes general contractor overhead and profit. Rebuilding after a loss includes those, because you are hiring a contractor. That is why the higher figure is used here.

Within Virginia, expect Northern Virginia and coastal construction to run toward the top of the band and southwestern Virginia toward the bottom. Get an actual replacement-cost estimate for your specific home. A per-square-foot number is a sanity check, not an answer.

The market-value trap, worked

Suppose you own that 2,000 square foot home, it is worth roughly the state median of $453,389, and you insured it to market value because that seemed sensible.

Rebuild cost is $490,000. You carry $453,389. On a total loss you are $36,611 short, and nothing fills that gap.

Insure to a mortgage balance instead - say $340,000 - and you are $150,000 short and, as the next subsection shows, below the coinsurance threshold as well, which damages your partial claims too.

The 80% coinsurance rule, and what a shortfall does to a partial claim

Most homeowners policies contain a coinsurance provision requiring you to insure the dwelling to at least 80% of its full replacement cost. Fall below that and the insurer does not merely cap your payout at your limit - it reduces every partial claim proportionally.

Work it on the example. Full replacement cost $490,000, so the 80% threshold is $392,000. Suppose you carry the $300,000 reference limit instead, and a hurricane does $100,000 of wind damage. Your limit is three times the loss, so it feels safe. It is not:

• $300,000 carried / $392,000 required = 0.765
• 0.765 x $100,000 = $76,531
• Then subtract your deductible - $1,000 on an ordinary claim, or $6,000 if this was a named storm at 2% of $300,000
• Net payment: roughly $70,531 to $75,531 on a $100,000 loss

You are $24,000 to $29,500 short on a claim well inside your policy limit, entirely because Coverage A was set too low. None of it is visible until you file.

Two endorsements worth asking about by name

• Extended replacement cost - pays a stated percentage above your Coverage A limit (commonly 25% to 50%) when rebuilding costs more than expected. After a hurricane that damages a whole region, contractor capacity and materials pricing move sharply. This is the endorsement written for that scenario, and coastal Virginia is exactly the place for it.
• Ordinance or law coverage - covers the extra cost of rebuilding to current code. In a Virginia flood zone this can include elevation requirements triggered by a substantial rebuild, which is one of the larger uncovered costs a coastal homeowner can run into.

5. Roof age, and why it decides your premium and your payout

An honest limitation first. This site's Virginia data file records no statewide roof-settlement standard, because Virginia does not set one by statute. Whether your roof is settled at replacement cost or actual cash value is decided by your policy form and your carrier's underwriting rules. So rather than tell you what your policy does, here is what to go find out and why it decides the size of your check.

The distinction to look for: ACV versus RCV

• Replacement cost value (RCV) pays what it costs to put a new roof on today.
• Actual cash value (ACV) pays replacement cost minus depreciation for the roof's age.

The gap widens every year. On a typical ACV depreciation schedule, a roof fifteen years into a twenty-year expected life has roughly 75% of its value depreciated away - the insurer pays about 25% of replacement cost and you fund the rest. Your deductible then comes off the top of even that reduced amount.

Stack it against Virginia's coastal deductible structure

This is where the two provisions compound, and it is the coastal Virginia trap worth naming explicitly.

Take a $26,000 roof replacement on that $490,000 home, hurricane damage, with a 2% named-storm deductible of $9,800.

• On an RCV policy: $26,000 - $9,800 = the insurer pays $16,200, you pay $9,800.
• On an ACV policy with a 15-year-old roof at 75% depreciation: the loss is valued at roughly $6,500 - below your $9,800 deductible. The insurer pays nothing. You pay the entire $26,000.

Same storm. Same house. Same nominal coverage. The difference is two clauses in a document most homeowners have never opened.

Note that this compounding is a coastal Virginia problem specifically. Inland, where there is typically no separate named-storm deductible, an ACV roof clause costs you real money but does not usually wipe the claim out entirely.

What to look for on the page

Open your policy's loss settlement section and find:

• A "roof surfaces" or "windstorm or hail loss to roof surfacing" endorsement.
• A roof payment schedule depreciating payout by roof age and material.
• Any actual cash value language applied specifically to the roof, even where the rest of the dwelling is settled at replacement cost. This is the most common structure and the easiest to miss.
• Note separately that Virginia's FAIR plan claims are frequently settled on an actual cash value basis, so if you are placed with VPIA, assume ACV unless told otherwise.

Roof age also decides whether you get written at all

Roof age is a leading underwriting factor almost everywhere, and on the Virginia coast it is frequently a gating factor rather than a pricing one. A roof past 15 to 20 years in Hampton Roads can move you from "expensive" to "declined."

If your roof is near the end of its life, replacing it before renewal is often the difference between a quote and a non-renewal notice. On the coast, ask specifically about wind-mitigation credits: hurricane clips and straps, a sealed roof deck, impact-rated or high-wind-rated roofing, storm shutters, and a reinforced garage door. Ask item by item, because carriers do not always apply them automatically, and ask which ones require an inspection to document.

6. If no carrier will write you

Virginia has a backstop, which puts it ahead of a good part of the South. It is real, it is limited, and you should understand both halves of that.

Virginia Property Insurance Association (VPIA)

VPIA (vpia.com) is Virginia's FAIR plan - the state's insurer of last resort for owners who cannot obtain coverage in the voluntary market. It has operated since 1968 under Title 38.2, Chapter 27 of the Code of Virginia.

Virginia's own consumer guide describes it in unflattering and accurate terms: limited insurance protection, and a last resort, because the premium is generally higher and the coverage frequently narrower than a private policy.

What the base policy actually covers. VPIA's base form is named-peril, meaning it covers only what it lists rather than everything it does not exclude:

• Fire
• Lightning
• Removal
• Hail
• Explosion
• Riot
• Smoke
• Vandalism and malicious mischief

Glass breakage is not included on the base form. That is a small-sounding exclusion with an outsized nuisance value, and it is worth knowing about before you assume a FAIR plan policy behaves like the policy you had.

A broader form covering additional causes of loss, including glass breakage, is available to eligible properties. Liability and theft coverage can be added only if the property qualifies - they are not automatic, and on the Dwelling program they may not be available at all.

Eligibility and mechanics:

• The property must be in Virginia.
• It must meet minimum underwriting standards, including a physical inspection.
• It must have been declined by private carriers.
• Flood is not covered and must be bought separately through the NFIP or a private carrier.

One protection Virginia gives you that many states do not: when a Virginia insurer nonrenews a homeowners policy, it is required by law to tell the policyholder both about the right to appeal to the Insurance Commissioner and about possible VPIA eligibility. So a Virginia non-renewal notice should arrive with your next steps printed on it. Read it rather than filing it.

The honest limitations

No published maximum dwelling limit. Neither the SCC's consumer guide nor VPIA's public site states a dwelling coverage cap, and no figure is invented here. If you are being placed with VPIA on a high-value home, ask for the maximum limit in writing before you assume your rebuild cost is coverable. This is the single most important question to ask, and this guide cannot answer it for you.

Settlement basis. VPIA claims are frequently settled on an actual cash value basis. Combined with the named-peril base form, that means a VPIA policy can pay materially less on the same loss than the private policy it replaced.

Price. It is generally more expensive than voluntary-market coverage, which is the normal shape of a residual market and not a Virginia failing.

The right way to think about VPIA

VPIA is protection against having nothing. It is not protection against being underinsured. If you are placed there, you are almost certainly carrying a narrower policy at a higher price, and you should treat it as a temporary state: keep the property maintained, keep the roof current, and re-shop the voluntary market at every renewal until someone takes you back.

7. How to actually lower your premium in Virginia

Ranked roughly by how much they move the number in this state specifically.

1. If you are on the coast, price the named-storm deductible deliberately - in dollars. This is the highest-leverage decision a Hampton Roads or Eastern Shore homeowner makes. Moving from 2% to 5% on a $490,000 dwelling limit lowers your premium and raises your exposure from $9,800 to $24,500. That is a rational trade if you have $24,500 liquid and would genuinely spend it. It is a bad trade if you do not. Do the multiplication before you agree to a percentage, and ask whether a flat-dollar wind deductible is available instead - the SCC's own example is $2,000, and for many households a flat amount is the better structure.

2. Ask for wind-mitigation credits item by item. Hurricane clips and straps, a sealed roof deck, secondary water barrier, impact-rated glazing or shutters, and a reinforced garage door all commonly carry credits on coastal Virginia policies. Carriers do not always apply them automatically. Ask which ones require an inspection, and get the credit amount before you spend money on the improvement.

3. Get your Coverage A limit right. Virginia's median home price sits below typical rebuild cost, which means market-value insuring leaves a gap. Get an actual replacement-cost estimate rather than defaulting to market value or your loan balance. This mostly improves your coverage rather than lowering your price, and it is the item most likely to matter on a large claim.

4. Raise the all-perils deductible, not the wind one. Going from $1,000 to $2,500 on the ordinary deductible lowers your premium and only affects non-storm claims - fire, theft, water - which are the ones you are least likely to file on the coast. That is usually a better trade than raising the named-storm percentage. Note that the SCC's consumer guide still frames $500 as the basic Virginia deductible with $1,000 and up as buy-up options; that guidance predates the market's move, and sub-$1,000 deductibles are now under 5% of the national book. If you are still at $500, moving up is likely worth money.

5. Bundle home and auto. Multi-policy discounts remain among the largest routinely available, and in coastal counties where carrier appetite is tighter, being a multi-policy customer helps on the underwriting side as well.

6. Stop filing small claims. With a $1,000 all-perils deductible and a named-storm deductible in the thousands, most small losses are not claimable anyway. Claims frequency drives non-renewal, and on the Virginia coast a non-renewal lands you either in surplus lines or at VPIA - both worse than where you started. Paying a $2,500 repair yourself is often strictly better.

7. Ask about the credits nobody offers unprompted. Monitored alarm and fire systems, automatic water-shutoff devices, updated electrical, plumbing, and HVAC on older homes, new-roof credits, new-home credits, and claims-free longevity. Ask item by item.

8. Buy flood insurance if you are anywhere near the water, and probably if you are not. This raises your total spend rather than lowering it, and it is on this list because in Hampton Roads the cheapest possible homeowners premium is worthless against the peril most likely to actually flood your house. Get the NFIP quote and get a private flood quote too - the private flood market has grown substantially and frequently beats NFIP on price or limits. In moderate-risk zones, premiums are often far below what people assume.

9. Re-shop every year or two, and compare the right five things. Line them up: the premium, the dwelling limit, the all-perils deductible, the named-storm or wind deductible - flat or percentage, and what triggers it, and the roof settlement basis (RCV or ACV). A quote that beats yours on premium while introducing a 5% named-storm deductible and an ACV roof clause is not a better quote. It is a substantially worse policy with a smaller number on the front page.

What to do next

If you want these numbers applied to your actual house rather than a statewide average - and Virginia's statewide average hides a larger coastal-versus-inland gap than almost any figure on this site - the Virginia premium calculator estimates your annual cost from your own dwelling limit and deductible. The replacement cost calculator works out the Coverage A limit you actually need from your home's square footage using Virginia construction costs, which is the number to check first given how far the state's median home price sits below its rebuild cost. And because the named-storm deductible is what decides your real out-of-pocket exposure in Hampton Roads and on the Eastern Shore, the deductible calculator converts 1%, 2%, and 5% into actual dollars against your specific dwelling limit.

All three show every figure they use and where it came from.

This guide is general information about homeowners insurance in Virginia, based on publicly available figures current as of August 2026. It is not an insurance quote, a policy, coverage advice, or legal advice, and it does not reflect your individual property, locality, distance to water, roof age, claims history, or carrier's specific policy language. Whether a separate wind or named-storm deductible applies to you is carrier practice concentrated in coastal Virginia, not a statewide rule, and Virginia does not set roof settlement by statute. For coverage specific to your home, speak with a licensed Virginia insurance agent; for regulatory questions or complaints, contact the Virginia State Corporation Commission Bureau of Insurance.