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Floor Speech

It is true that premiums are rising, but this Senate deserves an honest accounting of why. Replacement costs are up because Biden-era climate regulations drove up the price of lumber, appliances, and labor--regulations the Trump administration is now working to unwind because of the damage they did.

When it costs more to build a home, it costs more to insure one. That is not a climate story. It is a policy failure story.

If we are serious about lower premiums, the answer is simple: Build more homes that people can afford.

Every regulation that makes construction more expensive means fewer homes are built. Constrained supply drives up values, and higher home values mean higher premiums. That is not a partisan talking point. That is economics.

We don't need more climate mandates. We need more housing. And we can start by getting the 21st Century ROAD to Housing Act to the President's desk.

The resolution being offered today offers us a bumper sticker. American homeowners deserve real solutions.

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