Video & Transcript : 'Family Support Services' :
Page 125 of 500
LA
Louisiana 2026 Regular Session
House of Representatives May 31st, 2026
Louisiana House Floor Meeting
Transcript Highlights:
- I don't know how this will apply to victims' families. I can't extrapolate that far out.
- Do you think his family will feel better now that we're losing ADA funding?
- services provided to veterans for compensation.
- Services.
- The bill updates the Department of Children and Family Services, increasing transparency, accountability
Bills:
HR310, HR314, HR316, HR317, HR321, HR275, HR276, HR279, HR282, HR286, HR289, HR292, HR295, HR302, HR319, HCR112, HR307, SCR59, SCR61, SCR62, SCR68, SCR69, SCR70, SCR54, SCR55, SCR64, SCR75, HCR79, HCR104, HB75, HB410, HB719, HB750, HB944, HB1098, HB1220, HB1252, HB359, HB210, HB468, HB1117, SB382, HB368, HB552, HB732, HB870, HB1236, SB29, SB42, SB43, SB149, SB208, SB274, SB300, SB312, SB387, SB389, SB401, HR74, HB998, HB901, HR20, HCR65, HCR71, HCR98, HB284, HB306, HB341, HB366, HB393, HB458, HB577, HB603, HB605, HB614, HB625, HB646, HB733, HB752, HB773, HB798, HB911, HB955, HB996, HB1035, HB1069, HB1113, HB1140, HB1180, HB1191, HB1240, HB1255, SB82, SB89, SB97, SB123, SB237, HB36, HB42, HB74, HB119, HB159, HB258, HB259, HB302, HB414, HB459, HB848, HB956, HB1017, HB1028, HB1095, SB217, SB283, SB469
Keywords:
oil and gas, orphan wells, inactive wells, shut-in wells, marginal wells, plugging and abandonment, well decommissioning, site remediation, site restoration, Oilfield Site Restoration, OSR program, financial security, bonding, taxpayer liability, public liability, offshore wells, onshore wells, coastal erosion, Department of Conservation and Energy, natural resources
OK
Transcript Highlights:
- So, we have a librarian, a deputy superintendent, and a director of special services.
- I wish I could support today.
Keywords:
firearm safety, public schools, education policy, student safety, gun control, opt-out option, grading system, student assessment, academic integrity, state funding, opinion conduct, open meetings, school boards, transparency, public access, education governance, HB2961, TSgt Marshal Dakota Roberts Gold Star Survivor Act, Gold Star family, Gold Star recipient
OK
Transcript Highlights:
- We have a librarian, a deputy superintendent, and a director of special services.
- I wish I could support today. I do have some discomfort about the potential funding...
- I wish I could support today.
Keywords:
firearm safety, public schools, education policy, student safety, gun control, opt-out option, grading system, student assessment, academic integrity, state funding, opinion conduct, open meetings, school boards, transparency, public access, education governance, HB2961, TSgt Marshal Dakota Roberts Gold Star Survivor Act, Gold Star family, Gold Star recipient
Summary:
The Senate Education Committee met and first recognized visiting students and staff from Putnam City North and Edmond Public Schools. The committee then took up several House bills, beginning with HB 3312, which would require annual age-appropriate firearm safety instruction in public schools starting in the 2026–2027 school year, with CLEET and the Department of Education developing the curriculum. The bill was advanced on a 9-2 vote after the author described it as a safety measure and cited a personal tragedy involving children and a firearm.
The committee also passed HB 3700, requiring colleges and universities to adopt policies ensuring grades are based only on academic performance, and HB 2981, requiring school districts to post school board meeting minutes within two weeks of approval. HB 2961, creating the Tech Sergeant Marshall Dakota Roberts Gold Star Surviving Act to provide tuition, fees, and room and board for spouses and children of Gold Star recipients at state public universities or career tech schools, passed unanimously after discussion of a possible fiscal impact. HB 3016, establishing a two-year pilot vision screening program for about 12 schools to identify convergence insufficiency disorders linked to literacy, also passed.
Later, HB 4478 passed to raise the daily deposit threshold for school districts and sites from $100 to $500 while still requiring weekly deposits. HB 4326, a cleanup bill related to Oklahoma’s Promise deadlines, certified teacher definitions, and a contingent T-SET-related provision, passed after debate about its unfinished status and funding concerns. HB 3025 passed with a change excluding donations from general fund collections for carryover balance purposes for one year, and HB 3710 passed to make a new higher education program cohort-based, requiring students to begin eligibility as freshmen. The chair closed by noting the committee had moved quickly, and announced upcoming executive nominee meetings and another committee meeting the following week.
HI
Hawaii 2026 Regular Session
EEP Public Hearing - Thu Feb 5, 2026 @ 9:00 AM HST
Energy & Environmental Protection
Transcript Highlights:
- . support. support.
- We stand on our testimony in support. support. support.
- We stand on our testimony<00:29:57.360><c> support.</c> testimony support. testimony support.
- We stand on our testimony support. support. support.
- . support. support.
Bills:
HB2245, HB1618, HB1985, HB2079, HB1921, HB2232, HB1567, HB1984, HB2608, HB2435, HB1623, HB1774
Keywords:
wastewater systems, denitrification, environment, pollution, coral reefs, nearshore waters, public health, shoreline regulations, cesspool conversion, cesspool replacement, wastewater, sewer connection, sewerage systems, septic system, pollution control, water pollution control revolving fund, Hawaii Green Infrastructure Authority, HGIA, low-interest loans, forgivable loans
Summary:
The committee heard testimony on several bills related to cesspools, wastewater, and clean water protections. On HB 2245, which would require additional denitrification capacity in wastewater systems near shorelines, the Department of Health offered comments, DLNR supported the bill, and multiple environmental and ocean groups testified in strong support, emphasizing nitrogen pollution from cesspools, reef damage, and the need to prioritize shoreline systems. Testifiers said the bill should move forward, with technical issues such as GIS mapping to be worked out later. No member questions or votes were taken on this measure.
On HB 1985, concerning the Hawaii Green Infrastructure Authority and accessible conversion loans for cesspool homeowners, HGI supported the bill and suggested making the program a revolving loan fund; DLNR and the Public Utilities Commission also supported it, while the Department of Health supported the concept. Committee discussion focused on program design, possible forgivable loans for low-income homeowners, and whether the program should be administered through existing infrastructure rather than a new procurement process. The committee then moved to HB 1985’s companion discussion on cesspool conversion outreach and deadline extensions, where DLNR and DOH supported outreach but DLNR and ocean advocates expressed reservations about extending deadlines, especially for financial hardship, saying that issue would need careful work.
The committee also heard testimony on HB 2079, which would reestablish the accessible upgrades inversion or connection income tax credit. The Department of Taxation raised administrative and fraud concerns about refundable credits, explaining that nonrefundable credits reduce tax debt while refundable credits can function like cash payments and require more oversight. DOH, DLNR, OPSD, counties, Hawaii Realtors, and environmental groups supported the bill, with one ocean coalition witness saying tax credits could help homeowners but grants would be preferable. Members asked about the difference between refundable credits and grants and about whether the credit would cover sewer connections versus individual wastewater systems. The committee then heard brief testimony on HB 1921, allowing certain priority-three cesspools to add a bedroom, with support from Hawaii Realtors and some other groups and no opposition discussion. HB 2232, preserving state water-quality protections at least as strong as the federal Clean Water Act, drew support from DOH and ocean advocates, with no questions. The committee also began hearing energy-related bills, including HB 1567 on energy equity and HB 1984 on self-certification for distributed energy resources, with a mix of support and some opposition or requested amendments, but no votes were taken in the portion provided.
TX
Keywords:
real property, fraud, theft, elderly, disabled, statute of limitations, criminal offense, property rights, property tax, ad valorem tax, voter-approval tax rate, no-new-revenue tax rate, tax rate calculation, Tax Code, local government finance, municipality, county, special taxing unit, sales and use tax, property tax cap
TX
Transcript Highlights:
- And the family or business outside the Capitol.
- on the Senate floor and And I support that.
- I think we've already given the counties enough support for rural sheriff and ambulance services.
- On lines 14 to 21, you address the issue of family violence shelter restrictions.
- Thank all of you for supporting that for all these years. It's the right thing to do.
Keywords:
real property, fraud, theft, elderly, disabled, statute of limitations, criminal offense, property rights, property tax, ad valorem tax, voter-approval tax rate, no-new-revenue tax rate, tax rate calculation, Tax Code, local government finance, municipality, county, special taxing unit, sales and use tax, property tax cap
HI
Hawaii 2026 Regular Session
CPC Public Hearing - Tue Mar 24, 2026 @ 2:00 PM HST
Consumer Protection & Commerce
Transcript Highlights:
- Um, Joseph DeBasto, individual in support, on Zoom. Joseph DeBasto, individual in support, on Zoom.
- </c> Agency in support. Agency in support.
- </c> Shift the offering support. Shift the offering support.
- </c> support this bill strongly. support this bill strongly.
- :53.440><c> on</c> Transparency Coalition in support on Transparency Coalition in support on Zoom.
Keywords:
condominium governance, education trust fund, unit owners, real estate, dispute resolution, financial obligations, community representation, pharmacy benefit managers, maximum allowable cost, transparency, drug pricing, insurance commissioner, contracting pharmacies, healthcare, substance use disorder, SUD, addiction treatment, behavioral health, mental health, rehabilitation
Summary:
The committee heard testimony on SB 2433 SD1 relating to condominiums, which would direct the condominium education trust fund toward educational resources for unit owners and require the Real Estate Commission to ensure owners’ interests are represented in funded activities and related rulemaking. Supporters, including the Hawaii Real Estate Commission and a condominium owner advocate, said owners need a seat at the table in condo governance and education efforts. Committee discussion focused on whether the bill was necessary, with the Real Estate Commission indicating it could already use the trust fund for owner education and that owners are already considered stakeholders, though not through a specific commission seat. No vote was taken during the excerpted discussion.
The committee then took up SB 2047 SD2 HD1 on pharmacy benefit managers, which would set requirements for maximum allowable cost reimbursement, allow reverse-and-rebill claims after successful appeals, and authorize fines for violations. The Insurance Division offered comments, the Hawaii Pharmacists Association supported the measure with amendments and suggested future PBM reform funding, and Kaiser Permanente requested a technical amendment. A committee question raised whether the staffing and resource request for implementation was too large for a bill focused only on MAC pricing, and the witness said he would provide more data to the next committee. No final action was shown.
Next was SB 2425 SD2 HD1 on health insurance and substance use disorder treatment, requiring insurers to honor written assignments of benefits to SUD providers and prohibiting anti-assignment clauses. Supporters described patients being unable to access treatment because of high out-of-pocket costs and said direct payment would reduce harm for people in recovery. HMSA opposed the bill but said it would begin direct payments to non-participating SUD facilities effective March 27, while continuing to object to the assignment-of-benefits portion because of fraud and balance-billing concerns; the Hawaii Association of Health Plans also opposed. Members questioned HMSA about reimbursement mechanics and why the bill was needed if coverage policies were already changing.
Finally, the committee heard SB 3045 SD1 HD1, which would require coverage of continuous glucose monitors and related supplies, including for Medicaid managed care, under certain conditions. DHS and the Insurance Division offered comments, while SHPDA, Hilo Benioff Medical Center Foundation, and others supported the bill, citing inconsistent access and a case in which a woman allegedly died after being denied a CGM. HMSA said it already covers medically necessary CGMs and had updated its policy in 2025 for type 1 and insulin-dependent patients, but it raised concerns about expanding mandated coverage to type 2 and gestational diabetes and about supply impacts. The committee also discussed whether the bill duplicated existing coverage standards and why it had been introduced repeatedly. No votes or final dispositions were included in the excerpt.
WA
Washington 2025-2026 Regular Session
House Floor Session Mar 6th, 2026 at 04:30 pm
Washington House Floor Meeting
Transcript Highlights:
- It is a program that workers can take when they themselves grow their families, when they or family members
- We do need more affordable services at the hospital.
- Speaker, rising in support of the amendment.
- Rising in support of the amendment.
- Also rising in support of this amendment.
Bills:
HB2720, HB2073, HB2487, SB5816, SB5919, SB5831, SB6137, SB6244, SB6044, SB6132, SB5109, SB5877, SB6258, HB2720, HB2073, HB2487, SB5816, SB5919, SB5831, SB6137, SB6244, SB5420, SB5868, SB6044, SB6132, SJM8002
Keywords:
behavioral health, emergency services, health insurance, provider access, mental health funding, premium assistance, funding, healthcare, subsidies, insurance tax, state regulation, insurers, taxation, budget impact, juice grapes, agriculture, commerce, market access, fire safety, insurance incentives
WA
Washington 2025-2026 Regular Session
House Floor Session Mar 6th, 2026 at 12:45 pm
Washington House Floor Meeting
Transcript Highlights:
- I urge your support.
- Speaker, rising in support of the striker.
- I'm rising in support of this bill.
- Madam Speaker, rising in support today.
- And today, you and I have an opportunity to support our public retirees who worked and gave service for
Bills:
HB2720, HB2073, HB2487, SB5816, SB5919, SB5831, SB6137, SB6244, SB6044, SB6132, SB5109, SB5877, SB6258, HB2720, HB2073, HB2487, SB5816, SB5919, SB5831, SB6137, SB6244, SB5420, SB5868, SB6044, SB6132, SJM8002
Keywords:
behavioral health, emergency services, health insurance, provider access, mental health funding, premium assistance, funding, healthcare, subsidies, insurance tax, state regulation, insurers, taxation, budget impact, juice grapes, agriculture, commerce, market access, fire safety, insurance incentives
WA
Washington 2025-2026 Regular Session
House Floor Session Mar 6th, 2026 at 09:30 am
Washington House Floor Meeting
Bills:
HB2720, HB2073, HB2487, SB5816, SB5919, SB5831, SB6137, SB6244, SB6044, SB6132, SB5109, SB5877, SB6258, HB2720, HB2073, HB2487, SB5816, SB5919, SB5831, SB6137, SB6244, SB5420, SB5868, SB6044, SB6132, SJM8002
Keywords:
behavioral health, emergency services, health insurance, provider access, mental health funding, premium assistance, funding, healthcare, subsidies, insurance tax, state regulation, insurers, taxation, budget impact, juice grapes, agriculture, commerce, market access, fire safety, insurance incentives
OK
Oklahoma 2026 Regular Session
Business and Insurance 2ND REVISED Feb 19th, 2026 at 09:30 am
Business and Insurance
Transcript Highlights:
- So between 2004 and 2025, the average cost of employer-sponsored healthcare insurance for families and
- I just want to point out the committee's substitute is language that we've worked on, is supported by
- It's dangerous for families.
Bills:
SB1969, SB1953, SB1277, SB1287, SB1061, SB1916, SB1589, SB2178, SB1444, SB1438, SB1501, SB1873, SB1364
Keywords:
massage therapy, licensing, multistate compact, regulation, healthcare, professionals, Employer Health Plan Transparency Act, health insurance, claims data, contract provisions, health care providers, auditable materials, HIPAA compliance, insurance regulation, unemployment benefits, employment security, work search, job search, reemployment, jobless benefits
OK
Oklahoma 2026 Regular Session
Business and Insurance 2ND REVISED Feb 19th, 2026
Business and Insurance
Transcript Highlights:
- So between 2004 and 2025, the average cost of employer-sponsored health care insurance for families and
- And their family is not even going to discover it until maybe some catastrophic event happens.
- And their family is not even going to discover it until maybe some catastrophic event happens.
- It's dangerous for families.
- It's dangerous for families.
Bills:
SB1969, SB1953, SB1277, SB1287, SB1061, SB1916, SB1589, SB2178, SB1444, SB1438, SB1501, SB1873, SB1364
Keywords:
massage therapy, licensing, multistate compact, regulation, healthcare, professionals, Employer Health Plan Transparency Act, health insurance, claims data, contract provisions, health care providers, auditable materials, HIPAA compliance, insurance regulation, unemployment benefits, employment security, work search, job search, reemployment, jobless benefits
Summary:
The Senate Business and Insurance Committee met and first laid over Senate Bills 1969 and 1624 without hearing them. It then considered SB 1953, a health insurance transparency bill requiring third-party administrators to provide employers information on what was spent on employee health benefits; an amendment deleting the word “welfare” was adopted, and the bill passed 7-1. SB 1277, which codifies a three-week work-search requirement for unemployment benefits, passed 8-0. SB 1287, amended to change “may” to “shall,” would bar the Oklahoma Abstractors Board from licensing applicants not legally authorized to work in the U.S.; after questions about the need for the bill and the alleged loophole, it passed 7-2.
The committee also passed SB 1061, a cleanup measure on mortgage broker licensing and renewal fees, and SB 1916, which would move the Oklahoma Receivership Office under the Insurance Department and streamline receivership operations. SB 1589, as amended to reference Indian Gaming Regulatory Act authorization, would increase penalties for illegal sweepstakes/gambling operations and expand enforcement against entities profiting from illegal gambling; it passed unanimously. SB 2178, a compromise special-event license bill requiring liability insurance coverage, also passed unanimously.
Two major insurance reform bills were debated at length and failed. SB 1444 would shift homeowners insurance rate regulation from a use-and-file system to prior filing with authority for the Insurance Commissioner to declare rates excessive; after testimony from a homeowner about a large premium increase and extensive debate over regulation and market effects, it failed 4-5. SB 1438 would require reporting of underwriting gains and profits, cap average profits at 5% over three years, and require rebates or premium credits if profits exceeded that level; supporters argued it would protect consumers, while opponents warned of market disruption and reduced competition. It failed 2-7. The committee then passed SB 1501, clarifying medical marijuana grow reclamation bond requirements, SB 1873, correcting a drafting error in a prior bill and delaying its effective date, and SB 1364, requiring an affidavit of encumbrances before transferring a medical marijuana business license.
WA
Washington 2025-2026 Regular Session
Senate Early Learning & K-12 Education Feb 4th, 2026 at 10:30 am
Early Learning & K-12 Education
Transcript Highlights:
- They're highly supportive.
- I'm speaking in support of Senate Bill 5849.
- Thankfully, she was very supportive and helpful.
- I am in full support of this bill.
- I'm here to testify in strong support of Senate Bill 5849.
Keywords:
financial education, graduation requirement, student curriculum, financial literacy, education reform, teacher preparation, principal preparation, educator preparation, alternative route certification, teacher certification, principal certification, Washington Professional Educator Standards Board, PESB, field placement, student teacher, residency, mentoring, school district partnerships, K-12 education, preK-12
AL
Alabama 2026 Regular Session
Alabama Senate County and Municipal Government Committee Jan 20th, 2026
County and Municipal Government
Transcript Highlights:
- He said they were there in support of Senate Bill 71 for two simple reasons.
- I can't support it. Thank you.
- I can't support it. Thank you.
- I can't support it. Thank you. >> Thank you, Senator.
- So I support your bill. It doesn't take that much to do this.
Keywords:
law enforcement, taser, restrained individuals, police procedures, civil rights, income tax, tax exemption, Alabama tax code, Section 40-18-3, civilian employees, Department of Defense, DoD, Armed Forces, military pay, combat zone, deployment, National Guard, Reserve components, emergency response, federal employees
TX
Transcript Highlights:
- In public service, that means better policy decisions and stronger delivery of services.
- Appreciate your favorable support. Yeah, just one quick question, Mr.
- And I'm testifying in support of Senate Bill 825.
- It's our responsibility to ensure they receive the support and compensation they're entitled to.
- Uh, thank you for the opportunity to testify in support of SB 2601.
Keywords:
temporary emergency electric energy facility, temporary generation, emergency power, backup generation, mobile generator, portable generator, grid resilience, power outage restoration, transmission and distribution utility, TDU, Public Utility Commission of Texas, PUCT, Utilities Code Section 39.918, competitive bidding, lease authorization, emergency procurement, bulk power system, locational marginal pricing, reliability model, black start
TX
Transcript Highlights:
- In public service, that means better policy decisions and stronger delivery of services.
- So, and I support the bill, so you’ll know where I’m coming from.
- I appreciate your... favorable support. Yeah, just one quick question, Mr. Chairman.
- I'm testifying in support of Senate Bill 825.
- Thank you for the opportunity to testify in support of SB 2601.
Keywords:
temporary emergency electric energy facility, temporary generation, emergency power, backup generation, mobile generator, portable generator, grid resilience, power outage restoration, transmission and distribution utility, TDU, Public Utility Commission of Texas, PUCT, Utilities Code Section 39.918, competitive bidding, lease authorization, emergency procurement, bulk power system, locational marginal pricing, reliability model, black start
MN
Transcript Highlights:
- ,</c> mobility and consulting services, mobility and consulting services, highlighting<00:03:44.080><
- With your support, we have project.
- ><c> the</c><00:05:21.600><c> Carlston</c> support now will ensure the Carlston support now will ensure
- In closing, this project is supported by MnDOT and represented in multiple letters of support from the
- The facility is of its service life.
Bills:
HF604, HF1972, HF578, HF1951, HF629, HF864, HF874, HF1155, HF884, HF2365, HF643, HF234, HF2655, HF2637, HF2535, HF2530, HF2344, HF584, HF524
Keywords:
airport funding, bonds, transportation, capital investment, Karlstad, community center, Breckenridge, state bonds, economic development, HF578, Faribault, River Bend Nature Center, bonding bill, bond proceeds fund, Minnesota Department of Natural Resources, DNR grant, nature center, visitor center, environmental education, multicultural center
AL
Keywords:
vaccination, parental consent, minors, medical consent, guardian approval, criminal procedure, split sentencing, probation, Class A felony, Class B felony, minimum confinement, HB49, Alabama criminal code, capital offense, capital punishment, death penalty, rape in the first degree, sodomy in the first degree, sexual torture, child sexual abuse
HI
Hawaii 2026 Regular Session
ECD Public Hearing - Fri Apr 17, 2026 @ 8:30 AM HST
Economic Development & Technology
Transcript Highlights:
- </c> support of this measure. Thank you. support of this measure. Thank you.
- </c><00:13:04.800><c> Uh</c><00:13:05.160><c> DBED</c> in support. Uh DBED in support.
- support and your genuine uh friendship. support and your genuine uh friendship.
- </c> support of the relationship with Taiwan. support of the relationship with Taiwan.
- </c> but yeah, we're in support of this. but yeah, we're in support of this.
Keywords:
SCR184, Senate Concurrent Resolution 184, Hawaii Civil Rights Commission, HCRC, civil rights, anti-discrimination, algorithmic decision making, automated decision making, artificial intelligence, AI bias, machine learning, employment screening, tenant screening, housing discrimination, credit decisions, lending discrimination, public benefits eligibility, state services, equal opportunity, algorithmic discrimination
Summary:
The committee met in Room 430 on April 17 at 8:30 a.m. and heard several resolutions focused on Hawaii’s sister-state and international relationships. Measures discussed included SCR 184, SCR 169 SD1, SCR 47, SCR 57 SD1, SCR 170 SD1, and SCR 163 SD1. Testimony generally supported expanding or formalizing ties with Japanese prefectures and other partners, including Yamaguchi, Okayama, and Aotearoa/New Zealand, as well as maintaining the Hawaii-Taiwan relationship. DBED’s Dennis Ling explained that sister-state agreements provide a framework for broader government, nonprofit, and private-sector relationships, and cited existing exchanges in transportation, health, education, culinary rice development, biosecurity, and food innovation. Catherine Stanway of the Division of Forestry and Wildlife supported the Aotearoa measure for predator control, biosecurity, and conservation cooperation. Jerry Chang of the Taipei Economic and Cultural Office testified in support of the Taiwan resolution, noting 33 years of sister-state ties and ongoing cooperation in education, culture, economy, and disaster management.
One witness raised a concern about language in SCR 57 SD1 related to double taxation, saying that portion did not relate to the sister-state relationship, but the committee chose not to amend the measure to avoid possible delay or conference issues. A committee member also asked about how sister-state relationships work and whether other states have similar country-level arrangements; Ling said Hawaii has an MOU with Israel and mentioned Singapore as another possible partner, while noting that such arrangements often depend on the governor and are not standardized across states.
After testimony, the committee voted to recommend passage of all measures as is. SCR 184, SCR 169 SD1, SCR 47, SCR 57 SD1, SCR 170 SD1, and SCR 163 SD1 were all adopted by the committee without amendments. Some members were excused during the hearing, and the meeting adjourned after the final vote.
AZ
Transcript Highlights:
- to have a family.
- And that includes the possibility of building a family one day.
- Chair, members, Senate Bill 1165 prohibits a hospital or medical service corporation, health care service
- There was no support system. There was nothing for women back in those days.
- support SB 1291.
Keywords:
breast cancer, screening services, health insurance, cost sharing, preventive care, storm damage, catastrophic storm, hail damage, wind damage, roof repair, roof replacement, post-storm repairs, insurance claim, property and casualty insurance, adjuster, public adjuster, contractor licensing, homeowner protections, deductible waiver, insurance fraud prevention