Video & Transcript Research : 'work mandate'
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KY
Kentucky 2025 Regular Session
Senate Standing Committee on Judiciary (2-6-25)
Transcript Highlights:
- Crystal Adams, I am the chair for the work group for the intellectual and developmental disabilities.
- , neglect, and abuse work group to ensure consensus.
- serving across the commission's 10 work serving across the commission's 10 work groups<00:03:49.080
- <00:10:56.680>
that 62509 uh this bill would mandate that 62509 uh this bill would mandate - I've been working on this for 24 months, so I ask you to consider this.
Keywords:
Meeting Start: 00:00:05
Roll Call: 00:00:14
SB 26: 00:01:50
SB 64: 00:18:29
SB 73: 00:22:54, 958, all
Summary:
The Senate Judiciary Committee met with a quorum and heard three bills. Senate Bill 26, sponsored by Chair Storm, would protect parents and prospective parents with disabilities by barring disability alone from being the sole basis for denying an adoption petition or terminating parental rights. Testimony from Judge Marcus Vanover and Crystal Adams described the bill as a product of the Kentucky Judicial Commission on Mental Health and its work groups, cited Kentucky and national cases and federal ADA guidance, and said the bill would require consideration of supportive services, clearer documentation, retention of records, and conforming language changes. Senator Carroll asked how the bill would apply to a hypothetical adult child with special needs; witnesses said the bill is aimed at adoption and termination proceedings where the Cabinet is already involved, not proactive service requests. The committee approved SB 26 by a unanimous 7-0 vote and sent it to the floor with favorable expression.
The committee next considered Senate Bill 64, also sponsored by Chair Storm, which would expand the definition of key infrastructure assets to include telecommunications services such as telephone lines and broadband and make damaging, tampering with, or rendering those services inoperable a Class D felony. Representatives from Charter/Spectrum and AT&T testified that copper theft and vandalism have increasingly damaged fiber and other facilities, citing more than 20 incidents in Kentucky in 2024 affecting over 30,000 customers and diverting resources from broadband expansion. The committee adopted a committee substitute and then passed SB 64 by a 7-0 vote with favorable expression.
Finally, the committee heard Senate Bill 73, sponsored by Senator Julie Adams, which would create a felony offense for sexual extortion, allow victims or their representatives to bring civil actions, include the offense in Kentucky’s sex-crime definitions, and require school-based notification and education efforts along with resource information for students. Senator Adams and witness Lady T. Thompson described sextortion as a fast-growing online crime targeting minors, often through social media, gaming, and messaging apps, and argued that stronger penalties and prevention efforts are needed. The transcript cuts off before any committee action on SB 73.
KY
Kentucky 2026 Regular Session
Senate Standing Committee on Appropriation and Revenue. (3-18-26)
Transcript Highlights:
- <00:23:52.600>
the optometry scholarships, mandating the optometry scholarships, mandating - Among the nonpartisan staff and the skills and the knowledge in that space and the dedicated work that
- they do, our partisan staff that works so ably to assist us in making some decisions that have lots
- they do, our partisan staff that works so ably to assist us in making some decisions that have lots
- House Bill 900, much as the same was in the House, is an ongoing work in progress.
Keywords:
Meeting Start 00:00:00
Roll Call 00:00:23
HB 503 Discussion 00:01:00
HB 503 Vote 00:02:17
HB 504 Discussion 00:02:53
HB 504 Vote 00:04:48
HB 500 Discussion 00:05:19
HB 500 Vote 00:29:18
HB 900 Discussion 00:32:02
HB 900 Vote 00:33:00, 958, all
Summary:
The Kentucky Senate Appropriations and Revenue Committee met with a quorum and first took up House Bill 503, the legislative branch budget, adopting a committee substitute and reporting it favorably. The chair said the Senate version fully funds defined calculations, provides 2% raises in each fiscal year for legislative employees, removes a paragraph on operating expense reductions, and includes $1 million in the first year for a judicial branch salary study. House Bill 504, the judicial branch budget, was then amended and reported favorably; changes included 2% annual raises for judicial employees, revised operating expense language, $1 million each year for county current services, retention of Boyle County fit-up language, reporting requirements for smaller capital projects, full funding for nine judges added in 2022, and removal of furlough prohibitions and certain budget implementation language. Both bills passed the committee unanimously with favorable expressions to the floor.
The committee then considered House Bill 500, the executive branch budget, adopting a committee substitute before hearing a lengthy summary of major spending and policy changes. The chair described statewide 2% annual employee raises, agency base reductions with many exemptions, increased school safety and 911 funding, veterans and military funding, local government and severance-related changes, attorney general and auditor funding, pension and retirement system support, education funding changes including SEEK, postsecondary and scholarship provisions, public safety and corrections funding, and multiple capital projects. The chair also highlighted Medicaid-related provisions, including added waiver slots, increased state-directed payments, a 2.5% reduction in managed care vendor payments for plan years 2027 and 2028 with savings redirected to fee-for-service rates, and additional funding for behavioral health and public health programs. The bill was reported favorably after members explained their votes, with several noting they had only recently received the full 228-page bill and wanted more time for detailed review.
Finally, the committee adopted a committee substitute for House Bill 900, an appropriation measure for government agencies, and reported it favorably. The chair said the bill remains a work in progress and that one-time funding requests from across the Commonwealth and across party lines would continue to be addressed as the process moves forward. All measures considered during the meeting passed the committee with unanimous or near-unanimous favorable votes, and the meeting adjourned after no further business.
FL
Florida 2026 Regular Session
FL House Floor Session - 2026-04-29 (10:00AM Session)
Florida House Floor Meeting
Transcript Highlights:
- Newsflash, we don't work at the pleasure of the governor.
- Whole hand working, no complaining, good, strong hand.
- That is a constitutional mandate.
- So when I say to you that wasn't his work, I mean it.
- It was a mandate, and just like our Constitution, it’s a mandate.
Summary:
The Senate convened in special session with an opening prayer and the Pledge of Allegiance, then moved to the special order calendar to consider congressional redistricting legislation, beginning with Senate Bill 8D and then substituting the identical House Bill 1D. The bill would establish Florida’s congressional districts. Senator Gaetz, presenting the measure, said the Governor had proposed the map to address population growth and to draw race-neutral districts, and argued that mid-decade redistricting is legally permissible and has occurred before in Florida and other states. He repeatedly said the Legislature could accept, reject, or amend the proposal, but that the Governor had the prerogative to propose it.
The floor debate focused heavily on the legality and timing of the map, especially after the U.S. Supreme Court’s Louisiana redistricting decision was announced during the session. Several senators, including Rouson, Sharief, Smith, Polsky, Arrington, Bracy Davis, Bernard, Nathan, and Berman, questioned whether the map complied with the Florida Constitution’s Fair Districts Amendment, the Voting Rights Act, and equal protection principles. They raised concerns about the short notice, lack of statewide public hearings, the use of partisan data, the absence of sworn testimony from the Governor’s representatives, the claimed severability of the Fair Districts Amendment, and the impact on minority communities and communities of interest. Gaetz generally declined to offer legal opinions, saying those issues would ultimately be for the courts, but he relayed the Governor’s position that race-based provisions in the Fair Districts Amendment are unconstitutional and that the proposed map is race-neutral and compact.
Members also debated whether the map’s population data and compactness scores justified the district lines, with critics arguing that the plan cracked and split communities in places such as Central Florida, Tampa Bay, and South Florida. Gaetz said the Governor’s office relied on 2020 census data plus updated population estimates from the Office of Economic and Demographic Research and the American Community Survey, and that the mapmaker said he drew the map himself without outside consultants. After questions concluded, the Senate adopted a motion to substitute HB 1D for SB 8D, read the bill a third time, and proceeded to debate the House bill. The transcript ends during debate, with no final vote on passage shown.
NY
Transcript Highlights:
- some question on whether or not this would apply exclusively to dental plans or if it would be a mandate
- So it's kind of a mandate that all commercial dental coverage... ...requires commercial insurance to
- So it's going to mandate that all commercial dental coverage...
- So it's going to mandate that all commercial plans cover the dental guards? Yes.
Summary:
The Senate Standing Committee on Insurance met on March 23, 2006, with Senator Jamaal Bailey presiding and several members present, including the ranking member and Senators Skoufis, Addabbo, Harckham, O'Mara, and later Ashby. The committee considered six bills. The first, S.34 (Ritter), relating to elevated lead levels screening, was moved and approved, with Senators Helming and O'Mara recorded without recommendation, and referred to the Finance Committee. The second, S.2648 (D'Avanzo), would require commercial insurance coverage for dental nightguards; members discussed whether it applied to standalone dental plans and who would bear the cost, and the bill was reported to the floor with Senators Helming and O'Mara without recommendation.
The committee then approved S.3352 (Bailey), concerning electronic delivery under the Insurance Law and Vehicle and Traffic Law, and S.547 (Bailey), allowing reward or incentive programs for delivery drivers. Both were moved without substantive debate and reported to the floor. S.60122A (Bailey), permitting licensed insurance professionals to carry over up to five hours of continuing education credit between biennial licensing periods, was also approved and reported. The final bill, S.6551A (Bailey), expanding breast cancer screening coverage to include imaging, guide, and biopsies, was approved and referred to the Finance Committee. The meeting concluded after all agenda items were acted on.
MN
Minnesota 2025-2026 Regular Session
House Public Safety Finance and Policy Committee 3/11/26
Public Safety Finance and Policy
Transcript Highlights:
- You said that if someone is mandated, like the rank-and-file person is mandated by an employer to do
- During your testimony, you said that if someone is mandated, like the rank-and-file person is mandated
- But if you have other ideas and want to work on things, we'd be happy to work on them with you and find
- or not working in the field.
- or not working in the field.
Keywords:
grooming, child protection, student safety, sexual exploitation, educator licensing, teacher discipline, mandatory reporting, mandated reporter training, school misconduct, predatory offender, child abuse, sexual abuse, sex trafficking, child sexual abuse material, child pornography, position of authority, school employee, school administrator, license revocation, license suspension
TX
Transcript Highlights:
- So I look forward to working with you as we move forward through the process.
- So I look forward to working with you on this. We'll continue.
- Our offices, I know, are working together.
- I just want to make certain the way the bill works... Thank you, Senator.
- I'll work with you on that. I appreciate it. As we progress. Okay. Thank you.
Summary:
The Committee on Education K-16 heard testimony on SB 1635, which would give certain coastal, recapture-paying school districts a credit against recapture payments for mandatory windstorm and hail insurance costs. Senator Hinojosa said the bill is intended to offset unusually high insurance expenses for districts in Tier 1 or Tier 2 coastal zones, and he estimated about a $12 million impact to state revenue. Witnesses from Port Aransas ISD and Gregory-Portland ISD described sharp premium increases, reduced coverage, higher deductibles, and the effect on teacher pay and classroom spending. Senators asked about the number of affected districts, the accuracy of the fiscal estimate, and whether the bill might encourage districts to maintain coverage. Public testimony was closed and SB 1635 was left pending.
The committee then took up several other bills and committee substitutes, adopting and reporting favorably SB 2786, SB 2623, SB 646, SB 843, SB 2392, SB 1998, SB 1418, SB 2788, and SB 2076, with most votes unanimous or near-unanimous. SB 2392 was amended to add improper relationship between educator and student to mandatory reporting offenses and to authorize an attorney general civil penalty for failure to report. SB 2623 was revised to clarify duties and exemptions related to the Safe Schools and Neighborhood Task Force and school proximity restrictions. SB 843 would create a TEA database of school district bonds and related projects, and SB 2788 would exempt certain PSAT scorers from the Texas Success Initiative assessment.
The committee also heard SB 2929, which would allow referees and other officials at school athletic events to immediately eject disruptive spectators. The Texas Association of Sports Officials testified in support, citing abusive spectator behavior and a shortage of officials. SB 2929 was left pending. Finally, the committee heard a substitute for SB 2927 on 1882 partnerships and a substitute for SB 2619, which would require more transparency and accountability for failing school districts, superintendent hiring, trustee training, and takeover timelines. Testimony on SB 2619 was mixed, with one witness from Texas 2036 supporting parts of the bill’s accountability provisions. The committee adopted the substitute for SB 2619, left it pending, and then recessed subject to the call of the chair.
NH
Transcript Highlights:
- out in the field uh doing heavy uh work. out in the field uh doing heavy uh work.
- They also who could do that work.
- vital roles does not eliminate the work. vital roles does not eliminate the work.
- Um we worked with our to cash.
- <02:43:17.520>
extensive mandate mandate it's a pretty extensive mandate mandate it's a pretty
MD
Transcript Highlights:
- the commission's 14th quadrennial analysis of the legislative compensation and allowance effort mandated
- the commission's 14th quadrennial analysis of the legislative compensation and allowance effort mandated
- thought that was timely and just wanted to let you know that the Eastern Shore delegation was hard at work
- delegation<00:04:12.080>
was <00:04:12.319>hard <00:04:12.560>at <00:04:12.720>work - <00:04:12.879>
this delegation was hard at work this delegation was hard at work this morning
Summary:
The Maryland Senate held a brief pro forma session with a quorum call and routine procedural business. The chamber received a letter from the General Assembly Compensation Commission transmitting its 14th quadrennial report on legislative compensation and allowances, which was journalized. Senators also introduced Senate Bill 328, concerning property tax credits for disabled or fallen public safety officers, and several bond initiative items, including projects such as the Carroll County Youth Services Bureau, Cromwell Valley Elementary Playground, and Holland Hills Park; these were referred to the appropriate committees or the capital budget subcommittee.
No substantive debate or votes occurred. Members shared announcements about delegation meetings, including the Eastern Shore delegation’s presentations from Congressman Andy Harris, MACo, and the Maryland Municipal League, and a mention of Western Maryland organizing activity. Leadership also noted that weather could affect the next meeting and advised members to check the website and watch for email updates.
The Senate then adjourned, on motion of the majority leader, until Monday, January 26th, with the exact meeting time to be confirmed on the website.
NH
Transcript Highlights:
- instead how can we make this work instead how can we make this work currently<00:12:34.399>
you - if you want to go above that you work if you want to go above that you work with<00:12:52.360>
- legislature in this room who have worked legislature in this room who have worked on<00:21:19.080
- <00:27:56.919>
oh land use planner I've been working oh land use planner I've been working- to have nearby where you work.
MN
Minnesota 2025 1st Special Session
The Debate Around Expanding Nuclear Energy in MN / Supporting Sustainable Aviation Fuel Production Mar 9th, 2025
Minnesota Senate Floor Meeting
MN
Minnesota 2025 1st Special Session
Committee on Judiciary and Public Safety - Part 1 - 03/27/25
Judiciary and Public Safety
Transcript Highlights:
- with<00:01:34.000>
individuals Uh they work directly with individuals Uh they work directly - So I excellent work in our community.
- working very hard um on this package. working very hard um on this package.
- committee work. committee work.
- We work by statute.
US
US Federal 2025-2026 Regular Session
US House Floor Proceedings (Tuesday, February 3, 2026)
US Federal House Floor Meeting
Transcript Highlights:
- wonderful works in the deep.
- make government work on your behalf. make government work on your behalf.
- They work together.
- They work together. Without another. They work together.
- /c><05:06:37.360>
working <05:06:37.840>families government to work for working families
HI
Hawaii 2026 Regular Session
JHA Public Hearing - Fri Feb 13, 2026 @ 2:00 PM HST
Judiciary & Hawaiian Affairs
Transcript Highlights:
- Aparta who works with clients directly. Aparta who works with clients directly.
- a former Gal as a working group member. a former Gal as a working group member.
- Mahalo nui. are our working poor. These are Alice are our working poor.
- for your work on this. I appreciate it. for your work on this. I appreciate it.
- They did work together.
Summary:
The committee heard testimony on House Bill 1768, which would prohibit state and county law enforcement agencies and officials from entering into federal immigration-enforcement agreements under 8 U.S.C. 1357(g) and from assisting in certain immigration enforcement actions except in limited circumstances. The Office of the Public Defender, Hawaii Coalition for Immigrant Rights, the Legal Clinic, and the ACLU of Hawaiʻi all testified in strong support, arguing the bill would protect due process, reduce fear in immigrant communities, preserve trust in local police, and keep local resources focused on public safety. Testifiers said cooperation with immigration enforcement can chill court attendance, crime reporting, and cooperation with police, and they emphasized that the bill would not stop federal enforcement or affect other deputization agreements for environmental or other criminal matters. Committee members asked whether any 287(g) agreements currently exist in Hawaiʻi; testifiers said they were unaware of any and believed the bill would maintain the status quo. No vote was taken in the portion provided.
The committee then took up House Bill 1548, which would reduce the maximum sentence for misdemeanors from one year to 364 days and allow people previously sentenced to one year to seek sentence modification. The Office of the Public Defender, Office of Hawaiian Affairs, the Legal Clinic, the Hawaii Coalition for Immigrant Rights, the ACLU of Hawaiʻi, and the William S. Richardson School of Law immigration clinic all supported the measure, saying the one-day change could prevent severe immigration consequences such as detention, removal, and bars to relief that can be triggered by a sentence of 365 days or more. Testifiers stressed that the bill would not change criminal liability or public safety, but would align Hawaiʻi law with similar reforms adopted in other states. Members questioned whether the change would affect citizens or create an automatic immigration process; witnesses responded that the issue is the federal immigration consequence tied to the maximum sentence, not actual time served, and that citizens would not face that consequence. The transcript ends during continued discussion of HB 1548, with no final vote shown.
TX
Transcript Highlights:
- So first and foremost, this is not a mandate.
- It's not mandating a $3 million. development.
- I look forward to working with the committee members' offices to see this legislation through.
- Okay, so how this works is you get awarded or you request this.
- these, which are both under 5,000 and are tiny and worked well.
Bills:
HB164, HB411, HB627, HB 1226, HB1677, HB1865, HB1997, HB2985, HB3462, HB4188, HB4685, HB4840, HB5370, HB5424, HB5466, HB5509, HB5660, HB5673, HB164
Keywords:
migrant labor, housing regulations, civil penalties, complaints, occupants' rights, remediation, education, retaliation, housing, rental regulation, municipal authority, local government, leasing, housing regulation, local control, rental properties, leasing laws, landlord, tenant rights, municipal regulation
FL
Florida 2025 Regular Session
Joint Administrative Procedures Committee Jan 13th, 2025
Transcript Highlights:
- Looking forward to working with you, and if you'd like to take a...
- Introduce yourself, Carlos, we will start with you and work from the left to the right.
- THE USE OF THE TERM "SHALL ADOPT" ON ITS FACE SUGGESTS A MANDATE.
- IT IS DURING THE COMMITTEE WEEKS THAT WE DO ALL OF OUR WORK.
- WE CANNOT FREEZE SUBCOMMITTEES OR WORKING GROUPS. WHAT YOU SEE HERE IS WHAT WE GET.
TX
Texas 89th 2nd C.S.
Homeland Security, Public Safety & Veterans' Affairs May 28th, 2026
Homeland Security, Public Safety & Veterans' Affairs
Transcript Highlights:
- works.
- A large body of independent research tells us about how care works, why it works, and what works, and
- So if we're working in Fort Worth, if we're working in Lubbock, if we're working in El Paso, San Antonio
- There's no state statute that mandates how much a reserve would have to work somewhere.
- working in the jails, working the justice centers, and working the detention centers.
MN
Transcript Highlights:
- As Senator R. mentioned, we are working off of the August 24 report.
- As Senator R. mentioned, we are working off of the August 24 report.
- As Senator R. mentioned, we are working off of the August 24 report.
- As Senator R. mentioned, we are working off of the August 24 report.
- Make consumers aware of their behavior, work on recycling, work on taking food waste.
HI
Hawaii 2026 Regular Session
HLT/HSH Joint Public Hearing - Wed Feb 4, 2026 @ 9:00 AM HST
Transcript Highlights:
- Mandated.
- We're actually working together.
- shall consist of... more work on our behalf. more work on our behalf.
- Luen leading that working group.
- Luen leading that working group.
Summary:
The joint hearing opened with House Bill 1969, which would provide state funding for colorectal cancer screenings for uninsured and underinsured residents. The Department of Human Services said it supports the goal of early screening but would need new administrative capacity, including a program manager and claim pre-screening, to run the program. The Department of Health supported the measure and cited low screening rates in Hawaii, noting an educational campaign to encourage screening. The Insurance Division raised concerns about reliance on federal FAQs, warning that guidance can change and may create state cost exposure. Supporters including the American Cancer Society Cancer Action Network and the Hawaii Medical Association argued the bill would close a preventive-care gap, reduce late-stage diagnoses, and save long-term costs; the committee also discussed implementation costs, estimated by DHS at roughly $1.4 million to $2 million annually plus administrative expenses, and a 6-month to 1-year timeline to establish the program.
The committee then took up House Bill 1965, which would require health carriers to spend at least 6% of total medical expenditures on primary care providers. The Insurance Division said several provisions raise technical and legal concerns, including the premium freeze, the medical loss ratio language, the lack of an existing external review process for downcoding claims, and a new mandate for medically necessary inter-island transportation that could trigger an ACA defrayal. The Department of Human Services supported the intent but suggested broader language to include primary care supports and services, and noted that QUEST integration plans already invested at least 9% of total medical expenditures in primary care in 2024, with additional spending on supports and low-value care reductions. State health planning officials strongly supported the bill as an investment in primary care, saying it could improve outcomes and lower long-term costs, though they acknowledged a possible temporary premium increase during the transition.
Testimony in support emphasized Hawaii’s physician shortage, especially on Maui, the Big Island, and other neighbor islands, and warned that clinics are under financial strain and may close without higher primary care reimbursement. The Hawaii Healthcare Task Force, AARP Hawaii, and other supporters said the bill would help retain providers, improve access for Medicare and Medicaid patients, and prevent downstream costs from emergency room use and avoidable hospitalizations. No votes or final committee action were taken in the portion of the hearing provided.
KY
Kentucky 2025 Regular Session
Legislative Oversight & Investigations Committee (8-29-25)
Transcript Highlights:
- work better to beat working and going to work better to beat those<00:20:26.320>
timelines <00: - , areas that apparently works, areas that apparently works, >> right?
- Uh, who does that work?
- And our work is ongoing.
- have to work your way out of. have to work your way out of.
Keywords:
Call to Order and Roll Call- 00:00:03
Approve Minutes from July 10, 2025- 00:02:41
Statewide Emergency Responder Voice System Testimony- 00:03:38
Investment of State Funds- 00:46:13
Department of Juvenile Justice Update- 1:11:34
Adjournment- 1:54:08, 958, all
Summary:
The committee opened with roll call, welcomed a new member, approved the July meeting minutes, and then took up testimony on the statewide emergency responder voice system, also described as the state police radio system replacement project. John Hicks, secretary of the governor’s executive cabinet and state budget director, testified that the project is unusually complex because it combines multiple IT replacements, land acquisition, and tower construction. He said the existing system dates to the early 1970s and that the administration is treating the project as a priority, with work proceeding in phases and weekly coordination among the Justice Cabinet, Kentucky State Police, and Finance and Administration Cabinet.
Hicks said the project has already spent about $110 million, with nearly 1,900 portable radios acquired, microwave replacement completed at 56 sites and underway at 76 more, and routers, switches, and network upgrades addressed. He explained that because the State Police are not set up to handle real property work, the administration brought in outside real property consulting vendors through an RFP, and three vendors are now qualified to help identify and negotiate sites. He said the goal is to speed up land acquisition and tower construction while the State Police continue the technology work, and he emphasized that the project is intended to close coverage gaps for state police first and later benefit local governments and other first responders.
Members of the committee expressed concern about the project’s cost and pace. Representative Petri noted that about $218.8 million has been authorized since 2018 and questioned whether the project could stretch into 2030 or later, asking what more the General Assembly could do to help. Representative Blandon also raised concerns about the long timeline and the risk of the project becoming another costly, delayed infrastructure effort, while asking when the vendor RFP was completed and whether any sites had been acquired since then. Representative Sharp asked whether there was a detailed plan and timeline, and Hicks responded that the technology side is well defined but the property acquisition side must proceed site by site because each location depends on ownership, access, power, and other factors. Hicks said the west-to-east phasing has been a smart approach and that the executive branch should improve performance to beat the current timeline expectations.
TX
Transcript Highlights:
- Mandate. This will not make every deal that comes to TDHCA be a $3 million deal. It's just a cap.
- It's not mandating a $3 million development.
- Now, we'll certainly still continue to work with folks that have raised some of the other concerns that
- Look forward to working with the committee members' offices to see this legislation through.
- on these, which are both under 5000 and are tiny and worked on it.
Bills:
HB164
Keywords:
HB 164, HB164, Texas Flood Recovery, Reimbursement, and Reconstruction Program, Texas Division of Emergency Management, TDEM, Hill Country floods, July 2025 floods, flood recovery, disaster relief, flood reimbursement, reconstruction grants, resiliency standards, floodplain, base flood elevation, FEMA, Federal Emergency Management Agency, insurance denial, property damage, tenant assistance, rental property