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🐐🎙️HB1778: A 30-Day Countdown Virginia Title Agents and Underwriters Can’t Afford to Miss
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🐐🎙️HB1778: A 30-Day Countdown Virginia Title Agents and Underwriters Can’t Afford to Miss

Miss One Deadline and You Could Be Out of Business Until Further Notice

📌 EPISODE SUMMARY:
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Virginia’s General Assembly has passed HB1778, and starting July 1, 2025, title insurance agents and underwriters are facing a brand-new set of appointment rules.

On the surface, it looks like technical housekeeping. In reality, it’s a compliance shake-up that could cost you business (or worse) if you miss a single deadline.

In this episode, we’ll walk through:

  • Why the Bureau of Insurance is suddenly watching your appointment calendar like a hawk

  • The new appointment window and what happens if it closes on you

  • How annual renewals just got a lot more formal (and a lot less forgiving)

  • What “for-cause terminations” mean now that they come with certified mail and a permanent paper trail

  • Why this feels unusual for title agents — and why you’re still not exempt

⚡ Whether you’re an agent juggling multiple underwriters or an underwriter managing hundreds of appointments, this law changes how you track, renew, and report.

Because in the Commonwealth’s eyes, “Oops, we missed the filing deadline” doesn’t cut it anymore.


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Virginia’s General Assembly has passed HB1778, making notable changes to the way insurance agent appointments are handled.

While the bill affects all licensed insurance agents in the state, it has particular operational implications for title insurance agents and their underwriters.

From tighter filing deadlines to more formalized renewal procedures, the new rules are designed to improve tracking and compliance — but they also increase the risk of penalties for anyone who overlooks them. If you issue title policies in Virginia, here’s what you need to know to stay in step with the Bureau of Insurance’s updated requirements.

Effective Date: July 1, 2025


🔍 How Virginia HB1778 Affects Title Insurance Agents Specifically

HB1778 makes several changes that directly affect how title insurance agents (and their insurers) operate…


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