Transcript Highlights:

• <00:38:57.119> thank<00:38:57.280> you legislation thank you legislation thank you thank
• <01:07:27.640> of there has been no long-term studies of there has been no long-term studies
• We could certainly swing the study into looking at what other states have done and evaluating their legislative
• We could certainly swing the study into looking at what other states have done and evaluating their legislative
• <02:17:54.559> or develop a different kind of study or develop a different kind of study or

Keywords: 910, house, all

Summary: The committee met on March 19, 2025, and first heard SB 137 SD2 HD1 relating to electric utilities. The Division of Consumer Advocacy and the Public Utilities Commission said they stood on their written comments, IBEW Local 1260 supported the bill, and Ulupono Initiative also supported it. Hawaiian Electric supported the intent but asked for an amendment, saying the bill’s definition of “acquiring entity” was too broad and could unintentionally cover purely local utility transactions. A later witness from Life of the Land supported the bill only if the merger/acquisition language were removed, arguing the PUC would not have a workable mechanism to let a cooperative intervene in a utility sale process. Committee members questioned whether the bill could still work without that section, and Ulupono said it was open to clarifying language but did not seek to remove the provision; the discussion ended without a vote in the excerpt provided. The committee then took up SB 1220 SD2 relating to a renewable gas tariff. The Division of Consumer Advocacy and the PUC again stood on written comments. HGas strongly supported the measure, saying it would create a faster, more cost-effective path for a voluntary renewable gas tariff without requiring a full rate case, while preserving PUC oversight and consumer protections. The Coalition for Renewable Natural Gas also supported the bill, emphasizing that it would expand consumer choice and help Hawaii’s clean energy goals while keeping the program voluntary and shielding non-participating customers from costs. Henry Curtis of Life of the Land opposed the bill, arguing that HGas already had an active rate case and could have raised the issue there, and that the proposal did not increase renewable gas supply or speed up acquisition; he called it a gimmick. In response, HGas said the bill was mainly a mechanism to speed filing and that the details would be worked out in a PUC docket. Committee members pressed HGas on whether the measure would actually add renewable gas, what source would be used, and whether customers would simply be paying more for the same gas; HGas said it had two projects in development, including banagrass and hydrogen-related work, and that the tariff would be a voluntary opt-in rate for customers seeking renewable natural gas to meet sustainability goals. No vote was taken in the excerpt provided.

Transcript Highlights:

• And then, of course, our entire GOP team, especially my legislative assistant, the committee legislative
• They're not looking for another study.
• <00:24:47.120> from 13,957 according to uh 2022 study from 13,957 according to uh 2022 study
• <00:40:13.599> Oh, study today that says anything. Oh, study today that says anything.
• <01:50:06.719> and seeing the results of this study and seeing the results of this study and

Keywords: 1183, house

Transcript Highlights:

• That's why 20 states have enacted similar legislation to date.
• I'd like to share two patient stories from the study.
• This legislation would scale that work system-wide.
• This legislation is no different.
• This legislation is no different.

Keywords: 995, all

Summary: The Joint Committee on Health Care Financing held a public hearing on a large docket of bills focused on MassHealth benefits and reimbursement, health equity, behavioral health, public health, dental access, 340B drug pricing, tobacco cessation, and coverage for children. The chairs emphasized rising health care costs, provider shortages, administrative burdens, and persistent inequities by income, race, geography, and immigration status. Much of the testimony centered on H.1416/S.901, an act to advance health equity, with legislators and members of the Health Equity Compact arguing for statewide benchmarks, stronger health equity leadership, reimbursement for interpreter services, community health workers and patient navigation, Medicaid graduate medical education support, and a health equity zone trust fund. Witnesses described disparities in life expectancy, maternal mortality, access to primary care, and the impact of federal Medicaid and social service cuts, and urged the committee to report the bill favorably. The committee also heard strong support for H.1368/S.847 on rapid whole genome sequencing for critically ill MassHealth children. Testifiers from industry, academia, hospitals, and families said early sequencing can end long diagnostic odysseys, improve treatment decisions, shorten hospital stays, and save money, while also providing emotional relief and information for families. The hearing then moved to H.1407 on MassHealth rate parity for inpatient behavioral health providers, where Rep. Scanlan and the Massachusetts Association of Behavioral Health Systems said the bill would codify existing administrative parity so managed care plans cannot pay less than the MassHealth fee-for-service rate. On H.1392/S.853 to preserve and protect public health, witnesses supported higher vaccine administration fees to improve provider participation and immunization rates. The committee also heard testimony on H.770/845 to protect 340B providers in MassHealth, and on S.848 to require reporting and transparency around 340B revenues and outside administrative costs. Additional bills drew testimony on tobacco cessation coverage for MassHealth members, with advocates supporting broader access to counseling and medications through medical, behavioral health, and dental providers. On H.1409, a nursing home operator asked for more flexibility in a MassHealth staffing-related penalty tied to patient days per resident. On H.1401/S.888, supporters of the “Take 10” dental access proposal said adult MassHealth dental coverage is underused because too few dentists accept MassHealth, leading to long travel times and avoidable emergency room visits; they urged incentive payments for dentists serving new adult MassHealth patients. Finally, on H.1403/S.855, “Cover All Kids,” advocates and immigrant community members urged removal of immigration status as a barrier to full MassHealth coverage for children, while also backing a related bill to ensure 12 months of continuous coverage for children. No votes were taken during the hearing; the committee primarily received testimony and asked questions on costs, reimbursement levels, and implementation details.

Transcript Highlights:

• Um, I legislative director for 100%.
• at<00:24:54.799> facilities studies were conducted at facilities studies were conducted
• And as the recent legislative-required study found, it is doing so while delivering benefits to Minnesotans
• required study the recent legislative required study found,<00:57:32.640> it<00:57:32.880>
• study required by this legislature. study required by this legislature.

Keywords: 1187, senate, all

Transcript Highlights:

• could go to so that we could implement ethnic studies.
• I have to say thank you to the legislators. You all approved two years ago—we had legislation to...
• Also frustrated that the ethnic studies isn't funded, but more on the level of...
• And I know ethnic studies has been uplifted, but I also want to add my voice to that as well.
• Legislative Analyst's Office again, Ken Capan with the Analyst's Office.

Summary: The Assembly Budget Subcommittee on Education Finance met for its annual Proposition 98 overview, with Chair Alvarez outlining the committee’s focus on K-12 funding, student outcomes, and use of one-time funds. Superintendent Tony Thurmond gave an update on education issues, including wildfire recovery support for affected school communities, ongoing concerns about federal threats to education funding and immigration enforcement, progress on literacy and math, dual-language immersion, educator housing, and support for dual enrollment. Members broadly expressed support for these priorities, while also raising concerns about implementation, funding stability, and the need for schools to remain safe places for students. The committee then reviewed the Governor’s Proposition 98 proposal. The Department of Finance said the 2025-26 Proposition 98 guarantee is projected at $118.9 billion, with higher revenues and TK-related rebenching driving the increase. The LAO said the budget adds about $7.5 billion over two years and discussed the volatility of the guarantee, especially in 2024-25, when changes in revenue could have an outsized effect on school funding. Members questioned the proposed $1.6 billion delayed settle-up payment, the legal basis for delaying it, and the impact of possible federal funding freezes. The LAO presented alternatives such as a reserve deposit or delayed disbursement, while Finance said the proposal is intended to manage uncertainty. Members also raised concerns that ethnic studies implementation was not funded in the January budget, and Finance said the administration was not proposing funding for it. The committee next heard on the Proposition 98 rainy day fund and education deferrals. Finance said the reserve would receive a mandatory deposit of about $1.2 billion in 2024-25 and a discretionary deposit of $376 million in 2025-26, leaving a balance of about $1.5 billion. The LAO supported rebuilding the reserve as a way to manage volatility. On deferrals, Finance described the Governor’s plan to eliminate remaining deferrals by 2025-26, and the LAO said paying them off improves cash flow and budget resilience. Members generally supported eliminating deferrals and rebuilding reserves, though some asked about acting earlier if revenues allow. The committee also reviewed the proposed $1.8 billion student support and professional development block grant; Finance said it would fund professional development, recruitment and retention, and dual enrollment, while the LAO recommended clearer language on local discretion and use for one-time costs. Members were divided, with some supporting flexibility and others warning that one-time block grants can create instability and confusion for districts.

Transcript Highlights:

• My name is Jackson Overling, and I am the legislative director of Florida for All.
• It's really great to see young people taking an interest in the legislative process.
• For me, the most important part of this bill is the EDR study.
• It's really great to see young people taking an interest in the legislative process.
• For me, the most important part of this bill is the EDR study.

Summary: The Finance and Tax Committee met and first heard SB 674, which would allow county property appraisers, like tax collectors already can, to budget for and pay hiring or retention bonuses if approved in their Department of Revenue budget. Support came from property appraiser representatives, who said the bill would help them compete for specialized staff without requiring new funding. The bill was reported favorably. The committee then considered SJR 318, a proposed constitutional amendment on tangible personal property used on agricultural land, along with an amendment clarifying the exemption’s scope and allowing the Legislature to set conditions by general law. Farm Bureau and the Florida Chamber supported the measure, and the committee adopted the amendment and reported the joint resolution favorably. Members also took up CS for SB 1664, which would require voter reapproval of local discretionary taxes when they expire; an amendment changed the bill to require expiration dates and tied reapproval to tax expiration rather than a fixed eight-year cycle. Local government and tourism groups raised concerns about impacts on tourist development taxes, transportation surtaxes, beaches funding, and long-term financing, while supporters argued voters should periodically affirm local taxes. The committee adopted the amendment and reported the bill favorably. Next, the committee considered SJR 1510 and its implementing bill SB 1512, both dealing with a homestead-style property tax benefit for certain long-term leased residential properties. After multiple amendments narrowed the proposal substantially, limiting it to one qualifying property and then to single-family homes, mobile homes, and condominium units, counties and cities still opposed the measures as a tax shift to other taxpayers. The sponsor said the changes reduced the scope and fiscal impact, and both measures were reported favorably. Finally, the committee heard SPB 7034, the Senate tax package, which includes permanent sales tax exemptions, multiple tax holidays, motor vehicle fee reductions, a property tax study, rural investment tax credits, a freeze on local communications services tax rates, and other tax changes, with an estimated $2.1 billion revenue reduction. Testimony was mixed: property appraisers supported the property tax study, while many public commenters opposed the firearm and ammunition tax holiday and urged inclusion of gun safes and locks instead. County, city, tourism, and lodging representatives raised concerns about tourist development tax limits and other local revenue impacts, while supporters emphasized tax relief and the study’s value. After debate, the committee adopted a motion to submit SPB 7034 as a committee bill and reported it favorably.

Transcript Highlights:

• But I'm not talking about me in my capacity as a legislator.
• or otherwise exempted from the legislation.
• It is a paper; it is not a study.
• Studies have been given that support that these pills are safe.
• I urge you to pass the legislation.

Bills: HB7, SB 8, HB7, SB 8

Keywords: abortion, healthcare, jurisdiction, civil action, qui tam, prohibition, state law, sex designation, restroom access, civil penalties, private civil right of action, women's privacy, 997, house, all

Transcript Highlights:

• the study that I cite is cited there. the study that I cite is cited there.
• took legislation.
• Uh that legislation took legislation.
• And certainly um legislation.
• :29:46.240> and legislative director for Health and legislative director for Health and Human<

Keywords: 1191, senate, all

Transcript Highlights:

• Guided by these memorials, our study focused on three core questions: What bilingual models are being
• There was a legislative effort to pursue this option, although it did not pass.
• Now, in New Mexico, we have not done those studies on our own students.
• You heard some of the other areas that have been studied.
• So that's just another point for you to study. But leadership really, really matters.

Transcript Highlights:

• So far, So far, 31 states have enacted similar legislation to this.
• The Vulnerable Adult Study Committee has come out with a lot of great legislative recommendations.
• can bring ideas to the table and eventually can become thoughtful legislation.
• The memorial also asks Congress to provide funding for a system study and for needed improvements to
• for the study committee, and tasks the study committee with examining the qualifications and operational

Keywords: 1182, all

Summary: The caucus reviewed a long list of Senate bills and memorials across several policy areas, with most items presented as consent or third-read measures and little debate. Topics included special license plates for the Arizona Space Commission, local land-use and housing restrictions, liquor regulation updates, limits on municipal delays in permitting and exactions, election equipment security and timekeeping requirements, precinct committeeman vacancy procedures, assisted living and deed-fraud measures, a Freedom of Speech Monument committee, renaming Wesley Bolin Plaza, and a ban on gender transition procedures for minors. Members also discussed health and human services bills on behavioral health technician standards, Medicaid billing during ownership changes, breast cancer screening cost-sharing, naturopathic IV administration authority, safe-haven newborn surrender at hospitals, and access claim-processing timelines. The Judiciary portion covered probation limits for dangerous crimes against children, a civil cause of action related to prohibited gender reassignment surgery on minors, elimination of the statute of limitations for failure to register as a sex offender, probation incentive calculations, victim-rights expense recovery, unlawful flight penalties, vulnerable adult theft definitions, motor fuel theft, unlawful alerting, and evidence rules in sexual-assault-related hearings. In discussion, members asked for clarifications on several bills, including the definitions of “malicious” delay, internet access on election equipment, the scope of the breast screening bill, and the meaning of unlawful alerting. Supporters repeatedly described bills as common-sense, fraud-prevention, patient-access, or public-safety measures, while one member noted a no vote on extending the Vulnerable Adult System Study Committee. Additional measures in land, agriculture, water, public safety, and transportation included foreign-entity restrictions on land transactions, limits on transporting Mexican gray wolf puppies, water reuse and groundwater fee extensions, a larger water supply revolving fund loan cap, congressional memorials on EPA authority and the San Carlos irrigation project, expanded traumatic event counseling coverage, reimbursement of legal costs for certain disciplined law enforcement officers, data sharing with the federal government on unauthorized aliens, roadable aircraft registration, motor vehicle booting rules, military-property sign placement, a towing and impound study committee, photo enforcement penalties, and highway renaming memorials. No roll-call votes were described in the transcript, and the meeting ended after the transportation items and memorials were completed.

Transcript Highlights:

• <00:14:37.120> the government to review the study the government to review the study the problem
• You said Aon is doing the study. What is the deadline for the study?
• You know, I just, to go along with what he's saying, I mean, we have a study on a study.
• The study isn't meant to be an exhaustive study, and from what we heard during the RFP process, a lot
• Absolutely. um I the study isn't meant to be an um I the study isn't meant to be an exhaustive<01:23:

Keywords: 910, house, all

Transcript Highlights:

• continue to develop this legislation continue to develop this legislation that<00:24:07.120>
• <00:37:42.960> body<00:37:43.560> here legislative body here legislative body here for<
• That's why we supported the study. And so, Mr.
• But to just align the penalty study.
• They encouraged me to support the study.

Keywords: 1187, senate, all

Transcript Highlights:

• that it is inexpedient to legislate. that it is inexpedient to legislate.
• /c><00:24:02.960> of accessibility study identified dozens of accessibility study identified dozens
• accessibility study. accessibility study.
• $150,000 to conduct a feasibility study $150,000 to conduct a feasibility study on<00:29:15.120>
• And if I also know that this legislation And if I also know that this legislation expands<00:42:

Keywords: 1189, house, all

Transcript Highlights:

• He had his recent studies show. ...or bad for housing development, with nothing in between.
• His recent studies show sites exist on a continuum of development potential.
• Yeah, this isn't a study bill.
• You said it's not a study bill, but maybe I'm, you know, sort of mincing words here.
• Those throughout this legislative process.

Keywords: 988, house, all

Summary: The Assembly Housing and Community Development Committee heard several housing-related bills, with most of the discussion focused on streamlining housing production, preserving affordable housing, and reducing barriers to ADUs and EV charging in HOAs. SB 457 would direct HCD to develop statistical formulas based on historical development data to help cities complete housing element site inventories; supporters said it would replace costly parcel-by-parcel analysis with a more realistic, data-driven approach, while the California Building Industry Association raised concerns. SB 1091 would create a Community Anti-Displacement and Preservation Program to help acquire and preserve unsubsidized affordable rental housing; it drew broad support from housing nonprofits, local governments, and committee members who emphasized prevention and preservation, and it was advanced with a motion and second. SB 1117 would clarify that ADU impact fees above 750 square feet are charged only on the portion above that threshold; supporters said current practice creates a fee cliff that discourages ADUs, while cities, counties, special districts, and fire groups opposed it over infrastructure and service funding concerns. The committee members were split, but the bill ultimately advanced on a 10-0 vote with two not voting. The committee also considered SB 904, which would codify and expand reporting and coordination practices used after wildfire disasters to speed rebuilding and identify permitting or code barriers. The author and supporters argued that future wildfire recoveries should not depend on ad hoc executive orders, while some members questioned whether the bill was duplicative of existing streamlining laws; it passed on a roll call after discussion. SB 1267 would require EV charger installers in HOAs to indemnify associations during installation and make homeowners liable for costs arising from use of a privately owned charger; HOA representatives and EV advocates supported it, the California Association of Realtors said it would remove opposition once amendments were in print, and the bill advanced unanimously. SB 1361 would prevent local governments from taking actions to avoid SB 79 transit-oriented housing requirements at existing or planned transit stops; L.A. Metro, labor groups, and housing advocates supported it as protecting transit investments and jobs, while the City of Burbank opposed it, and it was approved on a 9-0 vote. The committee also took up consent items SB 722 and SB 1426, which were approved without controversy.

Transcript Highlights:

• To respectfully urge you to support this legislation and get it to the finish line.
• You mentioned an interim study, so a lot of those are a part of the discussion, so thank you.
• However, I still think we need to do some more study. I'm available for questions.
• I'm curious, what do you think about making this a study versus the pilot?
• And so your legislation, Mr.

Bills: HB311, SB447, SB505, SB2217, SB2753, HB311

Keywords: voter registration, electronic, Texas election law, Signature verification, DPS, internet application, Texas Election Code, signature verification, online application, data security, electronic application, Department of Public Safety, information security, electronic voter registration, voting technology, voter access, state election laws, digital signature, election irregularities, audit

Transcript Highlights:

• Chairman, somebody asked me one time how, for a few months ago, how long it takes a new legislator to
• Assembly just put the next Legislative Assembly.
• We take the section out and replace it with, we're going to do a rate study on basic care.
• Do we need to include the study in the bill, or would that happen anyway?" "Mr.
• So whether it's in the bill or not, it should be a department study, not a legislative study?" "Mr.

Keywords: 908, all

Summary: The Senate Appropriations HR Division met with all members present to review the medical services portion of the HHS budget. Sarah Aker, Executive Director of Medical Services, walked the committee through several budget items, including HCBS cost-to-continue adjustments, the DD bed assessment, expansion of value-based purchasing, targeted rate increases for home health and QSP services, and the cross-disability waiver. Members generally supported the targeted increases for home health and QSP, and Aker explained that the cross-disability waiver funding would support startup work, service design, and infrastructure ahead of a planned July 1, 2028 implementation. The committee spent significant time on rate-setting and provider payment issues. Members discussed ambulance rate rebasing, with several senators expressing concern that the proposed increase was too high relative to peer states; the committee ultimately moved toward reducing that item to $1 million rather than zero so it could be revisited in conference committee. They also discussed a House-added critical access hospital networking grant and similarly leaned toward reducing it to $1 million. Aker explained the department’s value-based purchasing plans, including use of a vendor selected through RFP, and clarified how the department’s existing Medicaid managed care and hospital value-based programs work. A major portion of the meeting focused on long-term care and basic care payments, including a House-added extension of the $5 per day basic care add-on and a proposed shift in nursing facility incentive grants toward a withhold-based model. Senator Mathern indicated he would bring an amendment to delay or modify the withhold change, and Aker said the department would prefer language that directly addresses whether a withhold may be implemented. Members also discussed 1915(i) services, FMAP changes, the Medicaid legacy system modernization carryover, and a House-added legislative intent section on medical assistance. The committee adjourned for the morning with plans to return later to continue Human Services budget work and revisit unresolved items in conference committee.

Transcript Highlights:

• He had his recent studies show. ...or bad for housing development, with nothing in between.
• His recent studies show sites exist on a continuum of development potential.
• But we've also learned from those lessons pretty quickly and passed even legislation, Assembly Bills,
• Yeah, this isn't a study bill.
• You said it's not a study bill, but maybe I'm, you know, sort of mincing words here.

Summary: The Assembly Housing and Community Development Committee heard several housing-related bills. SB 457 would direct HCD to develop statistical formulas based on historical development data to help cities complete housing element site inventories, with the author and supporters arguing it would make RHNA compliance more realistic and less costly; the California Building Industry Association opposed, and the bill was later approved on a 7-1 vote. SB 904 would codify and expand wildfire-rebuilding coordination and reporting practices used after recent fires, with supporters saying it would speed recovery and opponents questioning the need for additional reporting; it passed 11-1. The committee also took up SB 1091, which would create a state acquisition-and-preservation program for unsubsidized affordable housing to prevent displacement; it drew broad support from housing and tenant groups and passed 9-1, with members emphasizing preservation as a key housing strategy. Members also considered SB 1267, which would require EV charger installers in common-interest developments to indemnify associations during installation and make homeowners responsible for costs arising from use of privately owned chargers. The bill was presented as a follow-up to prior HOA-related EV charging legislation, with support from HOA, EV, and climate groups and opposition from the California Association of Realtors pending amendments; it passed 10-0. SB 1117 would clarify that ADU impact fees above the 750-square-foot exemption are charged only on the portion above that threshold, not the entire unit, and supporters said it would remove a fee cliff that discourages slightly larger ADUs. Cities, special districts, and fire agencies opposed or opposed unless amended, citing infrastructure funding concerns, but the bill passed 10-0 after extensive debate. The committee also heard SB 1361, which would prevent local governments from taking actions to avoid SB 79 transit-oriented housing requirements at existing or planned transit stops. Supporters from L.A. Metro, labor, and housing groups said it would protect transit investments and jobs, while the City of Burbank opposed; the bill passed 9-0. Two consent items, SB 722 and SB 1426, were approved without discussion. Throughout the hearing, members repeatedly stressed the goals of streamlining housing production, preserving existing affordable homes, and reducing barriers to rebuilding and transit-oriented development.

Transcript Highlights:

• <00:18:41.679> is circumstances in parking study is circumstances in parking study is completed
• it is the intention of this legislation it is the intention of this legislation to<00:30:50.640>
• part of this study.
• This study is to part of this study.
• the implementation and any legislators the implementation and any legislators legislative<00:53:

Keywords: Senate streaming session for Friday, March 20, 2026, 960, senate, all

Summary: The Senate convened with 38 members present and a quorum, then began with an invocation and several ceremonial introductions. The chamber recognized pioneering women of the Maryland State Police for Women’s History Month, including the original six female graduates and other firsts in the department, and also introduced the day’s doctor and a student intern. The Senate agreed to journalize the remarks honoring the Maryland State Police guests. The body then took up several Finance Committee bills, adopting committee amendments and favorable reports without objection on Senate Bills 385, 387, 389, 753, 469, and 608, each of which was ordered printed for third reading. SB 385 concerns immunization, screening, and preventive-service recommendations and pharmacist administration; SB 387 restricts predatory pricing and use of personal data by food retailers and delivery services; SB 389 makes transit-oriented development changes; SB 753 addresses financial exploitation protections for seniors and vulnerable adults; SB 469 authorizes a Maryland Automobile Insurance Fund affordability program; and SB 608 requires coverage for pharmacogenomic testing. Senate Bill 626, dealing with birth certificate sex designation changes and related identification documents, was briefly set aside at the request of a senator seeking possible amendments, with the presiding officer agreeing to hold it until the next session. Senate Bill 739, a climate change, homeowners insurance, and emergency management study bill, was also introduced with one amendment and sparked debate over its scope and funding, including discussion of a $150,000 Strategic Energy Investment Fund allocation and whether the study would examine the General Assembly’s own climate policies. The transcript ends during that discussion, before any final action on SB 739.

Transcript Highlights:

• resolved that is inexped to legislate. resolved that is inexped to legislate.
• inexpedient to legislate? Thank you, Mr. inexpedient to legislate? Thank you, Mr.
• need for this legislation. need for this legislation.
• inexpedient to legislate? Thank you, Mr. inexpedient to legislate? Thank you, Mr.
• It is an enabling legislation.

Keywords: 1189, house, all

Transcript Highlights:

• So we're in support of this legislation.
• Our members are also supporting legislation.
• So we're happy to support your legislation.
• Do y'all study that much?
• A dozen environmental and technical studies.

Bills: SB458, SB819, SB1238, SB1642, SB1643, SB1644, SB1791, SB1810, SB1824, SB1825, SB758, SB1455, SB1706

Keywords: insurance appraisal, property insurance, auto insurance, homeowners insurance, residential property, disputed loss, loss valuation, appraisal clause, appraiser, umpire, Texas Department of Insurance, TDI, insurance dispute resolution, claims adjustment, total loss, windstorm insurance, FAIR Plan, surplus lines insurance, policyholder, insurer