Transcript Highlights:

• part of our testimony today, you'll hear from homeowners directly who have lived through this catastrophic
• That's why they thought they had homeowners insurance for something catastrophic like this.
• Did you have a sudden catastrophic failure of the tank, or was it something that was happening over time
• No, it was sudden, catastrophic.
• having hearings and listening to the same story from different people that are going through this catastrophe

Keywords: 995, all

Summary: The hearing opened with the Senate and House chairs of the Joint Committee on Financial Services explaining that the day’s agenda would focus on health insurance and other insurance matters, with a large number of witnesses and a request for brief testimony. Legislators were taken out of order to accommodate their schedules, and the committee heard testimony on several bills, including coverage for hair prostheses for alopecia (H. 1223/S. 832), medically necessary oral and dental care for head and neck cancer survivors (H. 1258), modernizing fertility and family-building coverage (H. 715/H. 1190 and related bills), coverage for prosthetic devices to support physical activity for people with limb loss (the “So Everybody Can Move” bill), remediation coverage for home heating oil releases (S. 813/H. 1302), and expanded access to physical therapy for Ehlers-Danlos syndrome (H. 1170). A separate bill on sickle cell care and registry development (S. 788) was also discussed by Senator Liz Miranda. Witnesses largely offered personal stories and expert testimony in support of the bills. Advocates for alopecia coverage described the medical and emotional impact of hair loss, the high cost of quality wigs, and the argument that scalp and facial hair prostheses should be treated like other medically necessary prosthetics. Cancer survivors and supporters of H. 1258 said oral and dental care after head and neck cancer treatment is a quality-of-life issue and often not covered despite major out-of-pocket costs. Fertility specialists, LGBTQ+ advocates, and legislators supporting the modern family-building bills said the current infertility definition is outdated and discriminatory, excluding same-sex couples, people needing donors or gestational carriers, and others with medical barriers to conception. For the limb-loss bill, parents and adults with prosthetic needs stressed that activity-specific prostheses are essential for children and adults to run, swim, play sports, and stay healthy, but are often excluded from coverage. The home heating oil testimony focused on the financial devastation caused by residential oil spills and the need to make spill coverage automatic in homeowners policies. Environmental professionals and homeowners described cleanup costs ranging from tens of thousands to hundreds of thousands of dollars, the strict liability homeowners face, and the fact that many policyholders do not know the rider exists. The insurance industry testified in opposition to the mandatory-coverage approach, arguing for clearer distinctions between first- and third-party coverage, risk-mitigation standards, a delayed effective date, and more emphasis on education and notification rather than mandates. Committee members pressed the industry witness on why agents do not routinely tell customers about the rider and suggested that the issue may require broader disclosure by insurers, agents, and fuel dealers. No votes were taken during the hearing; the committee heard testimony and discussed possible compromise language and future action.

Transcript Highlights:

• Going back to your testimony at the public hearing, you said to us that people could buy catastrophic
• People could buy catastrophic plans or go to what I think you meant by the health clinics.
• So, an ACA-compliant individual market plan, which could include catastrophic coverage for somebody under
• So, an ACA-compliant individual market plan, which could include catastrophic coverage for somebody under
• So, an ACA-compliant individual market plan, which could include catastrophic coverage for somebody under

Keywords: 1191, senate, all

Transcript Highlights:

• 10.560> three So that would be SPED aid revenue, state aid—that's special education aid—catastrophic
• called special ed Aid which is formally called special ed Aid which is formally called catastrophic
• 04.400> um<04:42:04.798> is<04:42:05.480> that<04:42:06.480> going catastrophic
• um is that going catastrophic um is that going to<04:42:09.280> um<04:42:09.920> it<04
• are for the you know catastrophic are for the you know catastrophic students<05:19:10.000> where

Keywords: 928, house, all

Summary: The committee first discussed HB 443, which would change terms and vacancy language for members of a higher education commission. Members raised concerns that the bill was too narrow to address broader issues with commission membership, including expired appointments, attendance expectations, and whether the Department of Education could replace the commission’s role. Several members suggested the bill was not ready for action and favored holding it for further work, possibly through a subcommittee or work session. One member suggested that if attendance standards were added, no more than two unexcused absences should trigger removal, given the commission’s meeting schedule. The chair said he would defer action and form a small subcommittee to report back before the committee deadline. The committee then moved to HB 484, dealing with repurposing Career and Technical Education classroom space after 20 years of exclusive use. The chair explained that the bill was aimed at the Milford CTE project, where shared use of space could allow a school to repurpose part of a CTE facility while still using it for CTE-related instruction. Members discussed other possible situations around the state, including Claremont, North Conway, and Jaffrey/Rindge, and whether the bill should be limited to Milford or broadened to allow local districts more flexibility. Some members favored passing the bill now to help CTE projects move forward, while others argued for an amendment removing the requirement that the space be vacated specifically to expand the CTE program occupying it. Testimony and discussion emphasized that the Milford project had state approval but reduced funding, requiring a smaller scope and repurposing of existing space. Supporters said the bill could help preserve CTE programs while also benefiting general education space needs, and that local districts should have flexibility after 20 years. Opponents or cautious members noted that the language might not fit every district situation and asked for feedback from Director Beard and Steve Rothenberg before final action. The committee did not take a final vote in the portion provided, and instead discussed waiting for an amendment and additional input before acting.

Transcript Highlights:

• if we don't do this, and this is not just for women, it's for men also, we will have a lot more catastrophic
• We will have a lot more catastrophic things to happen, and I want to see it work better.

Summary: The Criminal Justice Committee met with several members excused and first took up SB 350, which clarifies public records protections for crime victims and extends temporary confidentiality to law enforcement officers involved in use-of-force incidents for 72 hours, with a possible written extension up to 60 days. Senator Graal said the bill was intended to align with the Florida Constitution’s victim definition and to address privacy concerns without allowing indefinite withholding. Testimony from Marsy’s Law and the Florida PBA supported the measure, though there were questions about the 60-day period. The committee reported SB 350 favorably. The committee then considered two domestic violence-related bills by Senator Berman. CS/SB 296, after a delete-all amendment, directs a study of a secure web-based alert platform that would give domestic violence victims a unique phone number and code-based emergency alert system, and it expands Florida’s address confidentiality program to dating violence victims. Several speakers, including survivors and advocates, described the need for safer ways to seek help without alerting abusers. The bill was reported favorably. CS/SB 298 similarly expanded confidentiality protections for the Haven Coordinating Council records to cover dating violence victims, and it was also reported favorably. Later, the committee heard SB 398, which updates Florida statutes by replacing the term “child pornography” with “child sexual abuse material,” including conforming changes to the offense severity ranking chart. The bill was reported favorably. The committee also heard SB 156, the Jason Raynor Act, which changes resisting-an-officer language, removes references to lawful or unlawful duty in favor of “any duties,” and adds manslaughter of a law enforcement officer to offenses requiring a life sentence. Law enforcement groups supported the bill, while the Florida Association of Criminal Defense Lawyers raised concerns about removing judicial discretion and eliminating a statutory protection against force when an officer knows an arrest is unlawful. Despite those objections, the committee reported the bill favorably. Finally, the committee approved SB 168 on public nuisances, which expands nuisance law to include gambling houses, increases penalties, allows attorney fees, and authorizes foreclosure for unpaid fees, and CS/SB 54, which after amendment focuses on medical examiner procedures and reporting related to violent offenders and toxicology/psychotropic drug review. Both bills were reported favorably. The meeting ended after members recorded additional affirmative votes and the committee adjourned.

Transcript Highlights:

• And so while at $4.9 billion, the BSF is sufficient to handle Florida's share of a single catastrophic
• And so once one event like this, extremely catastrophic, we can handle out of our existing BSF reserves

Summary: The Legislative Budget Commission met with a quorum present to hear the constitutionally required Long-Range Financial Outlook and consider a series of budget amendments. Amy Baker of the Office of Economic and Demographic Research presented the outlook, describing Florida’s continued population growth, strong wage growth, an aging population, housing-market softening, and low consumer sentiment. She said the general revenue forecast was largely unchanged from March, but the state’s funds available had improved because of legislative actions in 2025 that increased the balance forward. She also noted strong reserves, a projected current-year Medicaid deficit of about $125 million, and a three-year outlook that remains positive in the first year but turns negative in years two and three. She highlighted the risk of co-occurring catastrophic events, using a normalized Great Miami Hurricane scenario to illustrate potential state losses. The outlook was adopted after brief comments from House and Senate members emphasizing fiscal restraint and efficiency. The commission then approved multiple budget amendments, mostly without objection. The Agency for Health Care Administration received amendments to realign funding for Florida KidCare based on estimating conference results, to provide $85 million in budget authority for disproportionate share hospital payments, and to adjust Medicaid and long-term care appropriations, including placing surplus funds into reserve. The Department of Health received $6.3 million in additional authority for newborn screening. The Department of Corrections and the Department of Management Services each received $2.2 million in Private Inmate Welfare Trust Fund authority for repair invoices and pending projects. The Department of State was authorized to release $2.5 million in nonrecurring general revenue for cultural and museum grants and America 250 commemorative grants. The Department of Transportation received approval for a project roll-forward and for work program changes, including advancing I-95 widening in Duval County and the I-4 corridor in Polk and Osceola counties. The meeting ended with a motion to adjourn.

Transcript Highlights:

• with high costs, but let me be clear about what is driving those costs that we have today: the catastrophic
• struggling with high costs, but let me be clear what is driving those costs that we have today, the catastrophic

Summary: The Assembly Revenue and Taxation Committee met with a delayed start while waiting for quorum, then heard several bills before moving to the suspense file. AB 564 by Assemblymember Haney would freeze the planned cannabis excise tax increase at 15% rather than allow it to rise to 25%; supporters argued the legal cannabis industry is struggling against the illicit market and high taxes, while opponents said the measure would reduce funding for children, youth programs, environmental restoration, and enforcement promised under Prop. 64. The bill was sent to suspense during regular order and later approved out of suspense on a 6-0 vote with amendments, including a five-year sunset and a reduced rate. AB 1265, also by Haney, would extend and expand the state historic tax credit to encourage rehabilitation of vacant historic buildings for housing and mixed-use projects; preservation and housing advocates supported it, and it was also sent to suspense rather than voted on immediately. The committee then heard AB 1377 by Assemblymember McKenna, which would require studios seeking optional diversity, equity, inclusion, and accessibility film tax credits to complete the plans they submit to the California Film Commission. Labor supporters said studios should do more than make good-faith efforts, and the bill passed 5-1 to Appropriations. AB 1416 by Vice Chair Ta would clarify disaster-related property tax deferrals for homeowners who have requested installment plans, and it passed 7-0 to the Assembly Floor. Afterward, the chair gave a general warning that the bills on suspense represented large revenue losses and emphasized the committee’s need to weigh tax expenditures against other state priorities. On the suspense file, the committee approved AB 27, AB 53, AB 97, AB 231, AB 232, AB 429, AB 613, AB 984, and AB 1485, mostly on unanimous or near-unanimous votes, while AB 547 passed 5-1. Several other bills, including AB 386, AB 389, AB 490, AB 6991, AB 814, AB 1057, AB 1219, AB 1282, AB 1354, AB 1431, AB 1435, and AB 1481, were held in committee. The meeting concluded with the committee adjourning after completing the suspense-file actions.

Transcript Highlights:

• These include processing and paying claims from the recent catastrophic wildfires in Southern California
• thought about the folks who had failed to pay and then lacked coverage and been the subject of a catastrophic

Summary: The Assembly Insurance Committee met to consider several bills focused on California’s insurance market, wildfire resilience, and consumer protections. AB 888, the California Safe Homes Act, was heard first. Insurance Commissioner Ricardo Lara and Alabama Insurance Commissioner Mark Fowler testified in support, describing state grant programs that help homeowners harden roofs and create defensible space, with the goal of reducing losses and improving insurance affordability and availability. Supporters from the insurance industry, local government, and the Rebuild Paradise Foundation also backed the bill, and committee members emphasized the need for more incentives for mitigation. The bill passed the committee on a do pass motion and was sent to Appropriations. AB 290, by Assemblymember Bauer-Kahan, would require the FAIR Plan to offer automatic payments and address non-renewal grace-period issues. The author described her own experience being forced onto the FAIR Plan and facing a large premium increase, while Consumer Federation of California called the bill common-sense consumer protection. The FAIR Plan opposed unless amended, saying it was already handling major wildfire claims and other operational demands and requested more time and changes to the non-renewal grace-period language. Members across the committee supported the bill as a needed modernization measure, and it passed as amended to Appropriations. AB 1339, by Assemblymember Gonzalez, would direct the Department of Insurance to study insurance availability and pricing for affordable housing providers and report policy recommendations. Supporters from affordable housing organizations said rising premiums were forcing providers to cut services, defer maintenance, and use reserves, threatening housing stability for low-income residents. The bill passed as amended to Appropriations. AB 646, by Assemblymember Wallace, also passed to Appropriations; it concerns disclosure related to motor vehicle protection products and catalytic converter theft deterrence, with support from auto dealers and industry groups. The committee also approved AB 1531 on consent. Members later added on to the record in support of the bills, and the hearing concluded without recorded opposition votes on the measures that advanced.

Transcript Highlights:

• Failure in the management of water systems may lead to catastrophic events, which we've seen around the
• hospitals, fire departments, and other emergency services from operating efficiently, resulting in catastrophic

Bills: SB330

Keywords: water management, regional boards, municipal governance, ethics compliance, public utility, 923, senate, all

Transcript Highlights:

• OR CORRECTIONAL PROBATION OFFICERS ARE ONLY AVAILABLE FOR HEALTH INSURANCE IF OFFICERS DEATH OR CATASTROPHIC
• SACRIFICE. 1160 EXPANDS THE CIRCUMSTANCES IN WHICH ELIGIBILITY IS PROVIDED OR THE OFFICER SUFFERS A CATASTROPHIC

Keywords: 999, senate, all

Transcript Highlights:

• This is really now catastrophic insurance. That's about the only way I can describe it.
• If you have a catastrophe, the state will pay off a lot faster than FEMA.

Bills: SB2920, SB2929, SB2398, SB865, SB401, SB2619, SB2927, SB1395, SB1972, SB2540, SB1635, SB1581, SB2008

Keywords: steroids, student athletes, athletic competition, University Interscholastic League, medical purpose, gender transition, school athletics, spectator conduct, referees, ejection policy, extracurricular activities, concussion, brain injury, school policy, academic accommodations, student welfare, cardiac arrest, emergency response, CPR training, automated external defibrillators

Transcript Highlights:

• PERCENT HOW HOST I'M SORRY 100 PERCENT FUNDED BY STATE FUNDS AND OF THESE FUNDS COME OUT OF THE CATASTROPHIC
• AS WELL AS FEDERAL AND STATE STATUTE THAT SAYS AT LEAST $10 MILLION HAS TO BE TAKEN OUT OF THE CATASTROPHIC

Keywords: 999, senate, all

Transcript Highlights:

• <03:25:05.600> coverage<03:25:06.560> or<03:25:07.040> andor go get catastrophic
• I don't need catastrophic minute.
• I don't need catastrophic insurance<03:25:26.239> for<03:25:26.560> this<03:25:26.800><
• And we would have a product over here that would allow for true catastrophic insurance, right?
• And we would have a product over here that would allow for true catastrophic insurance, right?

Keywords: U.S. House of Representatives Floor Proceedings on Friday, December 12, 2025, 1012, house, all

Transcript Highlights:

• How we prepare and respond can mean the difference between lives saved and catastrophes being prevented
• fleet replacement ultimately reduce the surge capacity that California relies upon during these catastrophic
• Again, it doesn't matter... ...upon during these catastrophic events.

Keywords: 988, house, all

Transcript Highlights:

• earlier retirement ages, which includes better subsidized early retirement, and there are improved catastrophic
• average final compensation, the vesting period, and the disability benefits that are not tied to the catastrophic
• So the other big benefit is the catastrophic disability benefits, and this is sometimes known as total

Keywords: 904, all

Transcript Highlights:

• that will help protect property owners, either by supporting or protecting during these weather catastrophes
• that will help protect property owners either by supporting or protecting or during these weather catastrophes
• supporting or protecting during these weather catastrophes.

Keywords: 996, all

Transcript Highlights:

• We thus had acute care that is paid 100% by insurers, and that's very important when you have a catastrophic
• President, with all due respect, I've got a catastrophe on my hands.
• The worst catastrophe our state has ever seen, and here we are talking about mid-decade rigged districting

Keywords: 1185, senate, all

Transcript Highlights:

• For those of us who represent high fire-risk areas, we know how fast things can go from calm to catastrophic
• For those of us who represent high fire risk areas, we know how fast things can go from calm to catastrophic
• We've all seen the headlines. [03:12:30] We know how fast things can go from calm to catastrophic.

Summary: The Assembly Committee on Revenue and Taxation met as a subcommittee and heard several bills, with members explaining that measures with significant fiscal impacts would be held for suspense or taken up later. AB 761 would let the Monterey-Salinas Transit District place a local sales tax measure on the ballot with approval from two-thirds of its board rather than needing approval from each member jurisdiction; supporters said it would preserve transit funding for veterans, seniors, and people with disabilities, while an opponent argued it would make it easier to raise a regressive tax. The bill was voted out 5-2 after being called for absent members. AB 1253, which would clarify property tax treatment for wildfire reconstruction beyond substantial equivalence, drew support from the Los Angeles County Assessor and the California Assessors Association but was sent to suspense. AB 8, dealing with hemp enforcement, intoxicating hemp products, and integration of hemp cannabinoids into the cannabis supply chain and tax system, drew strong support from cannabis operators and labor groups and opposition from small cultivators and public health advocates concerned about supply, tax revenue, and voter intent; it was also sent to suspense. The committee then heard AB 1138, a major expansion and modernization of the film and television tax credit program. Supporters, including entertainment unions, workers, studios, and local officials, said the bill would help keep production and jobs in California amid competition from other states and countries; opponents criticized it as picking winners and losers and argued broader business costs were the real problem. The bill was referred to suspense. AB 829, which would create a California Parkinson’s Disease Research Fund and voluntary tax contribution program to support research and services, received unanimous support from advocates and was approved 6-0 to Appropriations. AB 474 would exempt rental income from nonprofit home-sharing programs for low-income homeowners from state income tax and protect participants’ eligibility for certain benefits; supporters said it could help older adults age in place and address housing shortages, and the bill was sent to suspense after members asked for clarification on the fiscal estimate. The committee also heard AB 376, which would exempt wildfire settlement payments from state income tax for certain disaster survivors; supporters from rural counties said the money is meant to help victims rebuild and should not be taxed, and the bill was referred to suspense. Finally, AB 480 would allow developers using low-income housing tax credits to switch from allocated to certificated state credits after an award, with supporters saying it would maximize private investment and stretch housing dollars further; it too was sent to suspense. Throughout the hearing, members repeatedly emphasized the need to balance policy goals with fiscal impacts, and several bills were held or referred to suspense rather than voted out immediately.

Transcript Highlights:

• was clear that what happened not only caused a lot of damage, but could have been potentially catastrophic
• was clear that what happened not only caused a lot of damage, but could have been potentially catastrophic
• was clear that what happened not only caused a lot of damage, but could have been potentially catastrophic

Summary: The committee took up several bills and reported each favorably after brief debate and roll call votes. SB 578 would allow wine to be sold in recyclable containers, aligning wine with beer container rules; it had support from Americans for Prosperity. SB 606 clarified when nonpaying guests may be removed from public lodging establishments, updated notice and checkout provisions, and removed a mandatory arrest requirement, with support from Florida Realtors, the Asian American Hotel Association, and the Florida Restaurant and Lodging Association. SB 202 addressed a long-running dispute between Miami Gardens and North Miami Beach over a water utility surcharge, requiring the utility to charge residents in the city where the plant sits the same rate as its own residents; supporters argued it was a fairness issue, while North Miami Beach opposed it as a burden on its residents. All three bills were reported favorably. The committee also approved SB 570, which updates and clarifies the scope of work for swimming pool and spa contractors, and CS/SB 928, which targets non-approved disposable nicotine devices by restricting advertising and display visible to minors, increasing inspections and penalties, and adopting an amendment to clarify the bill does not cover fully unlawful products and to add a 500-foot school buffer for smoke shops. SB 346, dealing with state preemption of local regulation of hoisting equipment, was reported favorably after testimony about the St. Petersburg crane collapse during Hurricane Milton; supporters said local governments need authority to address hurricane-related crane safety, while builders and contractors warned against patchwork regulation and urged a more targeted approach. The committee then considered SB 652, creating Veterinary Professional Associates to perform certain tasks under veterinarian supervision, including limited surgical procedures after an amendment clarified those procedures are limited to spay/neuter and non-cavity surgeries. Supporters said the bill would expand access to veterinary care and help shelters, while some veterinarians expressed concern about training and safety; the bill was reported favorably. Finally, the committee took up SB 354 on the Public Service Commission, adopting a substitute amendment that would expand the commission, require stronger financial expertise and more detailed rate justifications, set rate-filing schedules, tighten storm-hardening review, and add transparency rules for nonprofit water and wastewater utilities; the bill drew support from consumer advocates and AARP, while Florida Rural Water warned of unintended consequences for nonprofit systems. The transcript ends while testimony on SB 354 is still underway, with no final vote shown in the excerpt.

Transcript Highlights:

• Or they may choose to buy a catastrophic plan and pay cash or join a direct primary care arrangement
• number of uninsured people in New Hampshire, and I specifically am asking because you mentioned catastrophic
• because you mentioned catastrophic because you mentioned catastrophic plans.<01:55:19.520> Those
• the<01:56:33.760> question<01:56:34.000> about But, uh, to the question about catastrophic
• So I don't quite remember all the rules about catastrophic, but short-term plan is not age limited.

Keywords: 1191, senate, all

Transcript Highlights:

• The risks that were focused on in SB 53 are more catastrophic risks, whether around chemical, biological
• AI is so powerful, evolving so rapidly, and frankly so mysterious, that we can't predict when catastrophic
• Second, the bill's definitions of catastrophic risk, critical safety incidents, and dangerous capabilities
• And the catastrophic word is kind of frightening.
• want to make sure that it's not changing the dosage, for example, because that could be really catastrophic

Summary: The committee heard several AI- and consumer-protection-related bills, with extensive testimony from authors, supporters, and industry opponents. SB 53 by Senator Wiener would create transparency requirements for large AI developers, including disclosure of safety and security protocols, reporting of critical safety incidents, whistleblower protections, and the CalCompute public cloud. Supporters said it is a narrower, transparency-based follow-up to last year’s vetoed AI safety bill, while opponents argued it still relies too much on company size, could expose trade secrets, and should be narrowed further. The committee approved SB 53 on a do-pass-as-amended vote to Appropriations, with the roll held open for absent members. SB 766 by Senator Allen would codify the FTC’s Cars Rule and create a three-day cooling-off period for certain used-car purchases, along with stronger disclosure rules on pricing, add-ons, and government affiliation claims. Supporters said it would save consumers money and time and help buyers avoid bad deals, while dealer and industry groups said amendments addressed many of their concerns. Several former opponents moved to neutral, and the committee passed SB 766 unanimously as amended to Appropriations. SB 7 by Senator McNerney would regulate automated decision-making systems in employment by requiring notice, human review for discipline and termination, and limits on predictive behavior analysis. Labor and consumer advocates supported the bill as a safeguard against biased or overly automated workplace decisions, while employer and industry groups raised concerns about scope, notice burdens, and the predictive-analysis ban. The committee passed SB 7 to Appropriations on a 4-2 vote, with the roll held open. SB 833, also by Senator McNerney, would require human oversight of AI used in critical infrastructure, along with training and system assessments; it drew limited opposition focused on scope, and the committee passed it as amended to Appropriations on a 5-0 vote, also holding the roll open. Later, the committee took up SB 11, which would address AI-generated voice, image, and video cloning and deepfakes by clarifying likeness protections, requiring consumer warnings, and addressing misuse and evidence tampering. Supporters framed it as a targeted response to nonconsensual deepfakes, while industry groups said recent amendments improved the bill but still had concerns about penalties and warning language. The committee also heard SB 720, the Safer Streets Act, which would let cities opt into a revised red-light camera system that shifts from driver to owner liability, removes facial identification, makes violations civil rather than criminal, and directs revenue toward transportation safety projects; the author presented the bill, but the transcript ends before any final action on SB 720.