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IN RE STATE FARM FIRE AND CAS. CO.

Nos. 16-3185, 16-3562.

872 F.3d 567 (2017)

IN RE: STATE FARM FIRE AND CASUALTY COMPANY Petitioner/Defendant-Appellant Amanda LaBrier Respondent/Plaintiff-Appellee. Chamber of Commerce of the United States; Liberty Mutual Fire Insurance Company; Safeco Insurance Company of America; Lawyers for Civil Justice; Allstate Insurance Company; American Family Mutual Insurance Company; American Insurance Association; Property Casualty Insurers Association of America; Amici on Behalf of Petitioner/Appellant. United Policy Holders Amicus on Behalf of Respondent/Appellee.

United States Court of Appeals, Eighth Circuit.

Filed: September 25, 2017.

Attorney(s) appearing for the Case

Heidi Dalenberg , Joseph Cancila, Jr. , Riley & Safer, Chicago, IL, Daniel Wilke , Wilke & Wilke, Saint Louis, MO, for Petitioner.

Christopher E. Roberts , David T. Butsch , Butsch & Simeri, Clayton, MO, Daniel E. Gustafson , Gustafson & Gluek, Minneapolis, MN, Joe David Jacobson , Jacobson & Press, Saint Louis, MO, Thomas Joseph Snodgrass , Larson & King, Saint Paul, MN, for Respondent.

Kathryn L. Comerford Todd , Sheldon Gilbert , U.S. Chamber of Commerce, Washington, DC, Robert D. Keeling , Carter G. Phillips , Sidley & Austin, Washington, DC, for Chamber of Commerce of the United States.

John Robert Keena , Hellmuth & Johnson, Edina, MN, for United Policy Holders.

Chris A. Thompson , David T. Moran , Sean Daniel Jordan , Jackson & Walker, Austin, TX, for Liberty Mutual Fire Insurance Company, Safeco Insurance Company of America.

Robert T. Adams , Shook & Hardy, Kansas City, MO, Mark Alan Behrens , Patrick Leo Oot, Jr. , Shook & Hardy, Washington, DC, Susan Burnett , Bowman & Brooke, Austin, TX, Wendy F. Lumish , Bowman & Brooke, Coral Gables, FL, Mary T. Novacheck , Bowman & Brooke, Minneapolis, MN, Robert L. Wise , Bowman & Brooke, Richmond, VA, for Lawyers for Civil Justice.

Mark L. Hanover , Leah R. Bruno , Dentons US LLP, Chicago, IL, Elizabeth Ferrick , Dentons US, LLP, Saint Louis, MO, for Allstate Insurance Company.

Before WOLLMAN, LOKEN, and MURPHY, Circuit Judges.

A hailstorm struck Amanda LaBrier's home in St. Louis, Missouri, damaging the home's exterior roof, siding, and gutters. LaBrier filed a property damage claim with State Farm Fire and Casualty Company under the Coverage A — Dwelling section of her State Farm Homeowners Policy. The policy provides "Replacement Cost" property...

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