( July 30, 2026, 3:04 PM EDT) -- ST. LOUIS — A majority of the Eighth Circuit U.S. Court of Appeals vacated a lower federal court’s summary judgment ruling in favor of a commercial property insurer in an insured’s breach of contract and declaratory judgment lawsuit seeking coverage for hail damage to the roofs of its elementary and high schools, finding that the lower court erred in holding that the policy’s cosmetic damage exclusion barred coverage....