# West Virginia HB 4472: Clarifying that commercial real property insurance policies may be underwritten for less than replacement cost value of the insured property

West Virginia HB 4472, Clarifying that commercial real property insurance policies may be underwritten for less than replacement cost value of the insured property, is a 2026 Regular Session House bill sponsored by Joe Statler (Republican); status failed, last action 2026-01-29 (To House Banking and Insurance) (as of 2026-11-04).

- Canonical: https://policyrisk.com/state-bill/WV-HB4472-2026rs
- As of: 2026-11-04
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: West Virginia HB 4472
- State: West Virginia
- Session: 2026 Regular Session
- Title: Clarifying that commercial real property insurance policies may be underwritten for less than replacement cost value of the insured property
- Status: failed
- Chamber: House
- Introduced: 2026-01-16
- Last action: 2026-01-29, To House Banking and Insurance
- Sponsor: Joe Statler (Republican)
- Cosponsors: 3
- Subjects: §33-17-9, House Banking and Insurance
- Touches household money: no
- Economic provisions PRIA read: 0

## Summary

No summary available.

## Bill overview

No economic impacts identified for this bill.

## Sponsors and cosponsors

- Sponsor: Joe Statler (Republican), House
- Cosponsor: Geno Chiarelli (Republican), House
- Cosponsor: David McCormick (Republican), House
- Cosponsor: George Street (Republican), House

## Actions (5)

- 2026-01-29: To House Banking and Insurance (House)
- 2026-01-16: Filed for introduction (House)
- 2026-01-16: To Finance (House)
- 2026-01-16: Introduced in House (House)
- 2026-01-16: To House Finance (House)

## Bill text

- Introduced Version: [HTML](https://www.wvlegislature.gov/Bill_Text_HTML/2026_SESSIONS/RS/bills/hb4472 intr.htm), [PDF](https://www.wvlegislature.gov/Bill_Text_HTML/2026_SESSIONS/RS/bills/hb4472 intr.pdf)

## Related bills

- HB 4452: To remove Mortmain restrictions on religious organizations (signed)
- HB 4354: Relating to necessity allowance (signed)
- HB 4390: Relating to the temporary payment to a kinship parent of a subsidy equal to that of a foster parent (signed)
- HB 4191: Relating to providing child care generally (became law)
- HB 4106: Allowing constitutional carry for 18- to 20-year-olds (signed)
- HB 4138: Relating to persons convicted of a crime (signed)

## Sources
- [Introduced Version (HTML)](https://www.wvlegislature.gov/Bill_Text_HTML/2026_SESSIONS/RS/bills/hb4472 intr.htm)
- [Introduced Version (PDF)](https://www.wvlegislature.gov/Bill_Text_HTML/2026_SESSIONS/RS/bills/hb4472 intr.pdf)

## Related
- [HB 4452: To remove Mortmain restrictions on religious organizations](https://policyrisk.com/state-bill/WV-HB4452-2026rs)
- [HB 4354: Relating to necessity allowance](https://policyrisk.com/state-bill/WV-HB4354-2026rs)
- [HB 4390: Relating to the temporary payment to a kinship parent of a subsidy equal to tha…](https://policyrisk.com/state-bill/WV-HB4390-2026rs)
- [HB 4191: Relating to providing child care generally](https://policyrisk.com/state-bill/WV-HB4191-2026rs)
- [HB 4106: Allowing constitutional carry for 18- to 20-year-olds](https://policyrisk.com/state-bill/WV-HB4106-2026rs)
- [HB 4138: Relating to persons convicted of a crime](https://policyrisk.com/state-bill/WV-HB4138-2026rs)
- [West Virginia bills](https://policyrisk.com/states/west-virginia/bills)
- [West Virginia state hub](https://policyrisk.com/states/west-virginia)
- [All state legislation](https://policyrisk.com/state-bills)

Source: PRIA, https://policyrisk.com/state-bill/WV-HB4472-2026rs (as of 2026-11-04).