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H.R.4094 / 111th Congress

Drywall Victims Insurance Protection Act of 2009

Referred to the House Committee on Financial Services.

Official summary

Version 00 · Introduced in House · Nov 17, 2009

Drywall Victims Insurance Protection Act of 2009 - Declares it is unlawful for an insurer to cancel, or decline to renew, any coverage for homeowners' insurance for any single-family housing based on the presence, or possibility of presence, of any drywall that: (1) was imported from, or originated in, China at any time during calendar years 2004 through 2007; or (2) contains elevated levels of sulphur or strontium.

Prohibits an insurer from issuing discriminatory terms in any renewal of homeowners' coverage based on the presence, or possibility of presence, in the structure of such drywall.

Permits an insured adversely affected by a violation of this Act by an insurer to bring a civil action for relief against such insurer in federal or state court. Directs the court to allow a prevailing plaintiff reasonable attorneys' fee as part of the costs, including any expert fees.

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Who introduced it

Rep. Melancon, Charlie [D-LA-3] · D–LA

Committees

  • Financial Services Committee
1 cosponsorship records, including any withdrawals

Actions

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  1. Referred to the House Committee on Financial Services.

  2. Introduced in House

  3. Introduced in House

Bill text & related measures

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Related bills identified by Congress.gov

No related bills are listed in this snapshot. This does not establish whether the proposal has appeared in earlier Congresses.

Source last updated: Aug 14, 2025. Consult Congress.gov for the current record.

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Objective

Analyze H.R.4094 as objectively as possible. Explain its main provisions, who would be affected, possible benefits and harms, implementation, exceptions, and uncertainties. Present the strongest arguments for and against it, and identify evidence needed to assess its public impact.

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Fairness and public impact

Progressive lens

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Institutions and government scope

Conservative lens

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Individual rights and government power

Liberty lens

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