Transcript Highlights:

• to do that and to address the bigger changes that we need to make to keep property insurance costs down
• So one is we can crack down on human ignition.
• At least the first two are easy to crack down on, and yet we've failed.
• Someone finally saves up enough money for a down payment to buy a home.
• People are dying, businesses are being shut down.

Keywords: homeowners insurance, natural disasters, insurance costs, climate change, disaster preparedness, federal policies, bipartisan solutions

Summary: The meeting reviewed critical issues surrounding the rising costs and accessibility of homeowners insurance across the United States, particularly in light of increasing natural disasters linked to climate change. Members engaged in extensive discussions regarding the implications for families and the economy, citing significant increases in premiums and decreasing availability of policies in high-risk areas. Supervisor Peysko highlighted the direct impact of federal policies on local communities, emphasizing the growing burden on homeowners as they face skyrocketing insurance costs amidst a backdrop of environmental challenges and regulatory constraints. The committee expressed a unified call to action for bipartisan solutions, focusing on improving building codes and enhancing disaster preparedness measures.

Transcript Highlights:

• Oh, I see what I'm at the same about five, you know, and maybe you can get down. Thank you.
• Would it be easier to tone down or move a display on Black History Month?
• Heavy wind... Heavy wind is not a firefighter's friend.
• But wind didn't ignite the fire; carelessness did.
• I don't have all those teeth down here, but I don't have anything. Thank you.

Keywords: 995, all

Summary: The House began with routine ceremonial business, including the Pledge of Allegiance, adoption of several congratulatory resolutions, and suspension of Joint Rule 12 to send two petitions to committee. It then took up a supplemental fiscal year 2026 appropriations bill (H. 5393 / H. 5493), which Ways and Means reported at about $227.3 million for items including snow and ice costs, no-cost calls, substance use services, homeless programs, and technical changes related to lottery revenue and other outside sections. The bill was advanced through second and third reading and later passed to be engrossed after a roll call vote. The chamber also passed to engrossment a land transfer bill for the Town of Marion (H. 5388) and a Bolton alcohol licensing bill (S. 2628, as amended). The House also enacted two local bills: one further regulating special meetings of the Holyoke City Council and one amending the charter of the town of Reading. A major floor debate centered on S. 2726, an act regarding free expression, which was framed by supporters as a response to book challenges and censorship in public and school libraries. Supporters, including Representatives Garballey and Moran, argued the bill would protect librarians, require reporting of book challenges, preserve age-appropriate access to materials, and keep challenged books on shelves during review; opponents raised concerns about parental rights and local control. Several amendments were offered and rejected, including one that would have removed a criminal-law protection for librarians and educators, and another that would have shifted school review authority more directly to elected school committees. Two amendments were adopted: one clarifying that challenged material is considered in its entirety, and another narrowing who may initiate certain complaints to parents or guardians of a student in the school. The bill ultimately passed to be engrossed by a large roll call vote. The House also debated and passed H. 5491 / S. 1646, implementing recommendations of the Walsh Kennedy Commission on hot work safety after the 2014 Beacon Street fire. Supporters said the bill would require certification for hot work, strengthen penalties for repeated or reckless violations, and improve public notification and enforcement to prevent future tragedies; the bill passed to be engrossed unanimously or near-unanimously after roll call. In addition, the chamber advanced a local land transfer for the Yankee Doodle Bike Path in Billerica and a bill concerning ownership and maintenance of culverts and dams in Town Line Brook and Lindenbrook. The session included several recesses, quorum checks, and recognition of guests, including Danvers High School graduates, a former state representative, and WGBH representatives for Public Media Awareness Day.

Transcript Highlights:

• pulling funding, and with the President's executive order preventing the development of new offshore wind
• There is not a true effort to bring down costs.
• her diagnosis with relentless courage, optimism, and tenacity, refusing to let her illness slow her down
• You may be gone like the wind. Thank you. You may be gone. You may be gone like the wind.
• I'm telling you to get down to vote. We're voting. We're going down. It's voting. Okay. Bye.

Keywords: 995, all

Summary: The House met in a session centered on the FY26 budget, especially the Energy and Environmental Affairs and Labor/Economic Development sections, while also taking time to recognize several championship teams and other guests. Early in the day, the chamber adopted a set of commemorative resolutions, including observances for Apraxia Awareness Day, International Celiac Awareness Day, and Jewish American Heritage Month. Members also welcomed Franklin High’s cheerleading and boys basketball champions, Winthrop boys hockey champions, St. Mary’s of Lynn girls basketball champions, Holy Trinity School students, and later Boston Celtics guard Drew Holiday and Lauren Holiday. The most contentious debate involved amendments related to Massachusetts’ climate and clean-car policies. Representative Lombardo offered amendments to delay or repeal ACC2/zero-emission vehicle requirements and to convert climate mandates into goals rather than requirements, arguing the rules were unrealistic, costly, and harmful to dealers, consumers, and the economy. Opponents said the House had already addressed the issue, and that climate and energy policy should remain under review through a public process. The House rejected Lombardo’s ACC2-related amendments, including after a ruling of the Chair was upheld by roll call, and later adopted a consolidated Energy and Environmental Affairs amendment by a wide margin. The House then adopted a consolidated Labor and Economic Development amendment and ultimately passed the FY26 budget to be engrossed. Supporters highlighted major funding for environmental protection, parks, fish and game, clean energy, food insecurity programs, agricultural support, economic development, tourism, and an immigration legal assistance fund. The chamber also observed a moment of silence for Molly McGovern, and at the end of the session adopted an order to meet the next day at 11 a.m. before adjourning.

Transcript Highlights:

• energy projects, and the other is a shift to the climate bond for funding related to the offshore wind
• In doing so, we actually have an opportunity to draw down between $2-$3 million of federal funding on
• I'm going to, with the number of people online, reduce you down to 30 seconds.
• Of that total, $2 billion had been committed to capital projects, to services that draw down significant
• I agree we can improve and expand on this and draw down $2 to $3 million a year that we've been leaving

Keywords: 988, house, all

Transcript Highlights:

• We're marching right down this line of bills tonight.
• things happen with our utilities, several years ago we had a large cold snap that went all the way down
• 42.720> you<00:03:42.879> may<00:03:43.040> recall<00:03:43.840> um way down
• into Texas, you may recall um way down into Texas, you may recall um wintertorm<00:03:44.560> Yuri
• Um, whether it be solar and wind, which we're doing already and are great in their own way.

Keywords: 1183, house

Transcript Highlights:

• Right down the road from my farm, actually, about 20 miles away, more than 10 years ago, scientists at
• Central Research and Outreach Center pioneered a method of producing ammonia fertilizer using the wind
• producing ammonia fertilizer<00:02:46.440> using<00:02:46.920> the<00:02:47.040> wind
• , fertilizer using the wind, fertilizer using the wind, using<00:02:48.520> solar<00:02:49.080
• visibility to the production meters of thousands of generators throughout MISO, whether hydro, RNG, wind

Keywords: 1183, house

Transcript Highlights:

• Assembly Bill 1417 by Assembly Member Stephanie and relating to offshore wind and energy development
• Today I rise to present AB 1417, which ensures that as California leads the nation in offshore wind,
• The bill requires offshore wind developers to report to the California Energy Commission any funding
• In addition, AB 1417 expands the scope of the existing voluntary offshore wind and coastal resources
• We need to keep the price of cost, at the cost of living, down.

Summary: The Assembly convened with a quorum call, prayer, and Pledge of Allegiance, then moved through a long daily file of bills. Early procedural motions included a failed attempt to suspend the rules for AB 1219, followed by consideration of numerous measures on housing, veterans, education, elections, energy, wildfire prevention, public safety, and consumer affordability. Several bills drew bipartisan support and passed overwhelmingly, including AB 878 on safety accommodations for survivors of violence, AB 948 on school district facility maintenance, AB 81 and AB 88 on veterans’ mental health and student aid, AB 640 on school board fiscal training, AB 660 on housing permit timelines, AB 1048 on workers’ compensation billing disputes, AB 1119 on dual credentialing, AB 1172 on inhalable anti-seizure medication access, AB 1227 on wildfire prevention, AB 1285 and AB 696 on lithium-ion battery safety, AB 1417 on offshore wind transparency, AB 1530 on disaster recovery assistance, and AB 353 on affordable home internet. Some measures drew opposition or more divided votes, including AB 704 on sealing certain misdemeanor records, AB 1249 on early voting access, AB 1280 on thermal energy incentives, AB 1448 on offshore oil protections, AB 380 on price gouging, AB 402 on Cal Grant increases, AB 1074 on CalWORKs reunification, and AB 1084 on expedited gender-change and name-change court orders. The Assembly also granted reconsideration on AB 435, a child passenger safety bill, and passed it after debate on the five-step safety-seat standard. The floor debate featured recurring themes of affordability, housing, wildfire preparedness, election access, veterans’ services, and public safety. Supporters of the election bill AB 1249 argued it would simply add a Saturday early-voting option in non-VCA counties, while opponents raised concerns about verification and county staffing. AB 30, authorizing E15 gasoline in California, was presented as an urgency measure to lower fuel costs and passed unanimously on the urgency and the bill. AB 1466 on groundwater disputes was also taken up, with the author arguing it would reduce frivolous litigation and better represent all water users; the vote was 42 ayes and 17 noes. After completing the file, the Assembly recessed for lunch, later returned, and continued with additional file items, with many measures passing on strong bipartisan votes.

Transcript Highlights:

• have misheard you, but I wrote it down have misheard you, but I wrote it down here,<01:26:27.679
• 34:06.080> written<01:34:06.400> down<01:34:06.560> my know written down my written
• down my know written down my written down my questions<01:34:07.040> in<01:34:07.280> advance
• <02:00:16.480> in natural gas has generally gone down in natural gas has generally gone down
• He's down and one in North Carolina.

Keywords: 1189, house, all

Transcript Highlights:

• Um, and that number is down. They track these for years.
• They track they've been tracking down.
• result of property damage claims wind result of property damage claims wind hail<00:43:06.640>
• And a lot of that is the hail and the wind.
• And that kind of breaks down similarly as well.

Keywords: 919, house, all

Summary: The task force met on October 22, 2025, with a quorum present and several members participating remotely. Members approved the minutes from the previous meeting. Michelle Urick of the Legislative Coordinating Commission then gave an administrative update on proxy voting and the task force’s operating procedures. She said the enabling statute only authorizes the officially appointed member to act and vote, so proxy voting is not allowed, and votes must be cast in person at the meeting where the item is considered. She also said members may submit written positions, but not vote before or after a meeting. In response to concerns about attendance for future votes, the chair said the January meetings would be rescheduled if possible using a Doodle poll so more members could be present in person. The group also agreed to treat the revised document as operating procedures rather than a formal charter, with no separate adoption action needed at that time. The task force then moved into testimony on homeowners and commercial property insurance. Paul Edgar of Minnesota Realtors said rising insurance costs are adding to housing affordability pressures, citing an increase in the monthly principal, interest, taxes, and insurance payment on a median-priced Minnesota home from $1,622 in 2021 to $2,642 in September 2025. He said higher insurance costs and limited coverage can affect buyers’ financing, especially for condominiums and townhomes, and urged continued work on liability and insurance-related laws that may discourage condo development. He also referenced prior bipartisan reforms to Minnesota’s condominium construction defects law and said his organization supports further improvements to encourage more condo production. Keenan Ravery of the Minnesota Mortgage Association focused on how insurance requirements affect mortgage lending. He explained that lenders require insurance both at origination and throughout the life of the loan, with standards aimed at protecting collateral rather than providing full homeowners coverage. He said replacement-cost coverage has long been the norm, but recent issues with roofs, deductibles, HO-6 policies, and force-placed insurance have become pain points for consumers and lenders. He said his association is working with national trade groups on reforms that could allow more flexibility in coverage types and deductibles, and he expressed hope that Fannie Mae, Freddie Mac, and the Federal Housing Finance Agency may announce policy changes in the coming months or by early 2026. No votes or substantive policy actions were taken beyond approving the minutes and agreeing to pursue scheduling adjustments for January.

Transcript Highlights:

• We curtailed wind power in the region.
• rateayer money and five or 10 years down rateayer money and five or 10 years down the<00:36:48.560
• You're way down the road on this.
• <00:55:45.920> and these economic uh ups and downs and these economic uh ups and downs and
• assistance<01:41:55.760> program have the down payment assistance program have the down

Bills: HF2103, HF4508

Keywords: energy, renewable energy, ammonia, hydrogen, certificate tracking, funding, environment, elk, cervidae, cervid importation, chronic wasting disease, CWD, animal health, livestock, wildlife disease, Minnesota Department of Natural Resources, state veterinarian, zoo, Association of Zoos and Aquariums, AZA

Transcript Highlights:

• In Purim, we've also had one shut down two years ago.
• Move mixing and loading down to line 12, create a new definition of handler at the bottom of page 1.
• A lot of that nitrogen was lost because it volatilized or leached down through the soil.
• First of all, erosion—specifically wind erosion.
• By growing and establishing a cover crop, we can reduce wind erosion and the dirt in the ditches.

Transcript Highlights:

• If you have cell phones with you today, please turn them down.
• and different patterns floods and wind and different patterns that's<00:15:04.160> affecting<
• You know, as I look down over your membership of your board on page two of three, it has several— You
• That's what I'm— When I was going down the membership of the task force, I did see where the Division
• I always get a little concerned looking down the road, though, to make sure this doesn't become, you

Keywords: 958, all

Summary: The Senate VMAP Committee met with a quorum and heard several measures focused on public safety and emergency preparedness. Senate Bill 266, sponsored by Vice Chair Aaron Reed, would allow Kentucky State Police troopers to engage in secondary employment under a policy set by the commissioner. Reed argued the change would improve morale, recruitment, retention, and compensation opportunities. Senators Boswell, Nunn, and Higden asked about when the extra work would occur and whether the commissioner had been consulted; Reed said the policy would be left to KSP leadership and cited examples such as convention centers and events like the Derby. The bill passed unanimously and was sent to the floor. The committee then adopted a committee substitute for Senate Concurrent Resolution 67, which creates a task force to study disaster preparedness, mitigation, and related issues such as flooding, wind events, insurance, communications, and coordination among state and local agencies. The sponsor described recent severe weather and flooding across Kentucky and said the resolution was intended to help the state identify risks and best practices, save money, and save lives. Senators discussed whether the National Guard should be included, and the sponsor said they would not object to adding a representative. The resolution passed unanimously. House Bill 234, presented by Representative Wade Williams with the Kentucky Police Chiefs Association, would add airport police departments to the list of agencies eligible for grants funded through confiscated or abandoned firearms sold through the Kentucky State Police auction process. Williams said the grants support life-saving equipment such as tasers and bulletproof vests and that airport police had been inadvertently left off the eligibility list. Senators asked whether the change would reduce funding for other departments, and Williams said he did not expect a detrimental effect. The bill passed unanimously. The meeting concluded with an invitation to legislators to attend a National Guard briefing and aerial flight event, followed by adjournment.

Transcript Highlights:

• But so we're going to kind of go down the list.
• You know, what end users are going to be hurt by this down the road?
• , years... ...the Nuclear Task Force, that is years out, wind, years out.
• They're not building to take the prices down.
• They're not building to take the prices down.

Summary: The committee heard several bills focused on energy, public safety, and environmental cleanup. House Bill 455 would create a historic preservation license plate to raise funds and awareness for Delaware preservation efforts, and House Bill 471 would tighten rules and penalties for off-highway vehicles on shared private roads, with golf carts excluded. House Substitute No. 1 for House Bill 439, the Truth in E-Bike Marketing Act, would require clearer disclosures when selling electric mopeds and electric motorcycles so consumers understand classification, power, and licensing/insurance requirements. House Substitute No. 1 for House Bill 407, related to the Hazardous Substance Cleanup Act and brownfields, would shift funding for brownfield cleanup from the original realty transfer tax approach to a dedicated share of the hazardous substance cleanup fund and raise civil penalties for fraudulent acts. The committee also approved the June 18, 2026 minutes once quorum was reached. Most of the meeting centered on House Substitute No. 1 for House Bill 233, as amended, a large-load/data center bill intended to protect ratepayers from costs tied to massive new electricity users. The sponsor and Public Advocate said PJM’s warnings about a coming reliability backstop auction made it urgent to establish a Delaware framework now, requiring large energy users to sign utility agreements, cover their share of transmission, distribution, and capacity costs, and comply with curtailment and other protections. Supporters from environmental groups and some labor and business voices said the bill was needed to prevent cost shifts to households and small businesses, while opponents argued it was being rushed, could deter investment, and might unintentionally affect other industries; several asked for more time and clearer definitions. No vote was taken in the portion provided. The committee also took up House Bill 470, which would authorize Delmarva Power, with PSC approval, to build and operate utility-owned battery storage and spread costs across the customer base. The sponsor and Delmarva said the bill would improve reliability quickly and help avoid outages, while the chair expressed concern that the state had not yet fully studied whether utility-owned or competitively procured storage is the best model, noting a recent SEU storage study and broader policy questions. Supporters said utility storage could be deployed faster and help with peak shaving, while others urged a competitive process; the transcript cuts off before any final action on HB 470.

Transcript Highlights:

• We saw the imports when the compost stuff went down in Maui at the Home Depot.
• We just barely shut that down.
• We just barely shut that down.
• Sir, when that was done, have you had a sit-down philosophical discussion in the department reviewing
• a sit-down a sit-down >> [snorts] >> [snorts] >> [snorts] >> philosophical

Keywords: 912, senate, all

Summary: The committee first heard several measures and took testimony without questions on SB 2431 relating to health savings accounts and SB 2797 relating to consumer protection. For SB 2797, the DCCA Office of Consumer Protection offered comments, Retail Merchants of Hawaii opposed the bill over gift card fraud compliance costs and legal risk, and AARP Hawaii supported it. The committee also heard SB 2946 on foreclosures, where the Hawaii State Bar Association’s Collection Law Section and several lenders, associations, and individuals opposed the measure, while the Hawaii Bankers Association and others offered comments. SB 2961 on insurance drew comments from the Insurance Division and Hawaii Insurance Council, with NAMIC opposing and some individuals supporting. SB 2948 on insurance fraud received comments from the Insurance Division and support from the American Property Casualty Insurance Association, with NAMIC and the Alliance for Responsible Consumer Legal Funding also commenting. No votes were taken during the hearing portion, and the committee recessed after testimony. The committee then reconvened for decision-making on the 9:30 agenda. SB 2431 was passed with amendments, including DOTAX-requested changes, a five-year limit on credit carryforwards, removal of an aggregate cap, a rural definition, transparent reporting, technical amendments, and a deferred effective date of July 1, 2050. SB 2797 was also passed with DCCA-requested amendments, technical changes, and the same deferred effective date. SB 2946 was deferred because there was no testimony in support. SB 2961 was passed with amendments, but after Senator McKelvey raised concern that policy-limit language could undermine the bill, the committee removed two policy-limit amendments before adopting the recommendation. SB 2948 was passed with amendments deleting certain definitions, aligning penalties and public-records provisions, adding coordination and disclosure clarifications, and making technical changes; one no vote by Senator Awana was recorded, with the rest in favor. The committee also considered SB 3000 from a prior hearing and recommended passage with amendments clarifying the Attorney General’s authority, creating a special fund, and addressing concurrent actions, again with a deferred effective date and one no vote by Senator Awana. In a joint CPN/GVO agenda, SB 2258 relating to school agriculture procurement targets was passed with amendments after the Department of Education said it would need to follow up on whether changing the target period from calendar year to school year would create procurement or scheduling issues; the committee added technical changes, a deferred effective date, and routed the bill to Ways and Means, with a note that Education should also have received it. In a later joint CPN/AEN hearing, SB 2452 relating to climate-friendly insurers drew strong opposition from the Insurance Division and several insurance groups, who warned it could push insurers out of the authorized market and into the surplus lines market, raising costs; Senator Dela questioned whether the bill would worsen an already strained market, while the division said the legislature could make the policy choice but warned of market disruption. The hearing then moved to SB 2760 on invasive species, where DLNR, DAB, CGAPS, and the Oahu Invasive Species Committee generally supported broader inspection and quarantine authority, civil penalties, and longer interim-rule authority, while committee members asked about staffing, treatment capacity, and implementation for non-agricultural commodities such as building materials and vehicles.

Transcript Highlights:

• And in many instances, we've brought diesel fuel from Massachusetts and Rhode Island down to New Orleans
• We've brought diesel fuel from Massachusetts and Rhode Island down to New Orleans—hundreds of thousands
• throughout the New England area, including... ...including workers that have worked on the Vineyard Wind
• Well, it might not be offshore wind in the near future, but we must build the Commonwealth's clean energy
• forward as we're transitioning out of our oil and gas industry into green energy, whether that be wind

Keywords: 995, all

Summary: The Joint Committee on Telecommunications, Utilities and Energy held a hearing on grid transmission and distribution, green financing, environmental justice, renewable portfolio standards, and clean energy workforce policy. Testimony on H. 352/S. 2268 focused on eliminating or scaling back the Alternative Energy Portfolio Standard, with Green Energy Consumers Alliance arguing it costs ratepayers about $30 million annually and largely subsidizes fossil-fuel combined heat and power, biodiesel blending, and woody biomass. Committee members raised concerns that a full repeal could affect heat pumps and solar thermal projects that currently receive APS credits, and the witness acknowledged those technologies are the strongest part of the program but said Mass Save would be a better home for them. Renew Northeast supported H. 3497 on renewable portfolio standard review and clean energy procurements, but urged an indexed renewable energy credit model like New York’s rather than an attribute-only arrangement, arguing it would reduce financing risk and consumer costs. Vote Solar and Senator Liz Miranda testified in support of H. 3540/S. 2303 on clean energy equity, saying environmental justice communities and renters receive too few benefits from clean energy spending and need stronger tracking, tenant protections, and measurable benefit allocation. Miranda described long-standing environmental harms in Roxbury and called for data and accountability to ensure benefits reach environmental justice communities. A major portion of the hearing was devoted to H. 3475/S. 2276 on just transition and clean energy workforce standards. Labor representatives from the pile drivers, building trades, electrical contractors, SEIU, United Steelworkers, the AFL-CIO, and Climate Jobs Massachusetts Action backed the bill, emphasizing prevailing wage, project labor agreements, apprenticeship requirements, workforce transition plans, and protections for gas workers and other fossil-fuel employees as the state shifts to clean energy. They argued the bill would create family-sustaining jobs, support training, and prevent workers from being left behind during the transition. The hearing concluded after all sign-ups were heard, and the committee voted to close the hearing.

Transcript Highlights:

• Down than they had initially tapped into, and they had a ribbon-cutting ceremony on July 18th.
• It's very different than solar and wind in that you can see the sun and feel the wind, whereas geothermal
• One well is basically You inject water down; it gets down to a very hot area of the earth, and that water
• And the logs look something like the one down the middle with the wiggly line.
• It's coming down pretty fast.

Transcript Highlights:

• <00:17:52.240> then down or precipitation's coming down then down or precipitation's coming
• pushing things down the road until 2026? pushing things down the road until 2026?
• if the market fluctuates up and down if the market fluctuates up and down there's<04:50:32.718><
• <04:55:07.040> from the winds from the winds from uh<04:55:09.600> you<04:55:09.680
• that was probably a very long- winded that was probably a very long- winded answer<04:56:53.840>

Keywords: 1189, house, all

Transcript Highlights:

• Maui has maybe a higher wind load than other counties.
• Maui has maybe a higher wind load than other counties.
• Maui has maybe a higher wind load than other counties.
• Maui has maybe a higher wind load than other counties.
• Thank you. can afford pass down to can afford pass down to buyers<01:21:17.840> higher<01:21:18.120

Keywords: 910, house, all

Summary: The Committee on Housing held a public hearing on January 31 and heard testimony on a series of housing and building-code bills. The first major item, HB 1 relating to building codes, drew sharply divided testimony. Supporters, including BIA Hawaii, Grassroot Institute, Dr. Horton, and several builders and trade groups, argued the current code-adoption process is slow, fragmented, and costly, and that reform would help housing production. Opponents, including Sierra Club Hawaii, AIA Hawaii, ICC, and labor representative Kiko Bosi, said the bill would weaken public safety, reduce statewide consistency, and could leave tenants and first responders at greater risk. No vote was taken during the hearing, and members asked questions about the effect of a governor’s emergency proclamation suspending the Building Code Council and about county authority over code amendments. The committee then heard HB 745 and HB 1321, both also relating to building codes. Grassroot Institute supported both measures, saying the system is broken and needs streamlining, while BIA Hawaii and others emphasized the cost burden of repeated code updates. Opponents, especially Bosi and ICC, argued that the bills would undermine the State Building Code Council’s role, create confusion, and prioritize cost over safety; Bosi also said labor should be included in any code discussions. Members questioned whether counties can remove state code provisions and whether the state code already supersedes county codes, and one member noted the need for clarity and consistent enforcement rather than a wholesale overhaul. Later, the committee heard HB 284 on housing, HB 761 on county permitting and inspection, and HB 738 on historic preservation. HB 284 drew support from several housing and real estate groups, while DLNR opposed it. On HB 761, HHFDC supported the bill, DLNR warned that the proposed changes could jeopardize Hawaii’s participation in the National Flood Insurance Program, DAGS said it would likely need to duplicate county permitting staff, and the Department of Planning and Permitting opposed it; Grassroot Institute and NAIOP supported it. For HB 738, HHFDC, DLNR, Grassroot Institute, Hawaii YIMBY, NAIOP, and others supported the measure, with Grassroot and NAIOP suggesting clarifications so expedited review would also cover mixed-use projects and better define the scope of work. The transcript does not show any final votes or committee action on these bills during the hearing.

Transcript Highlights:

• um, we need rates that cover those losses, but we also need to work with you to drive those losses down
• work with you to drive those losses down work with you to drive those losses down and<00:10:10.320
• And it doesn't matter to me what direction the winds are blowing.
• Anytime they blow the winds are blowing.
• <01:05:46.000> silos uh authority and breaking down silos uh authority and breaking down silos

Keywords: 958, all

Summary: The interim task force on disaster prevention and resiliency met for its fourth meeting and focused heavily on insurance markets, affordability, and mitigation. Cochairs noted they are working toward recommendations for a later fall meeting. The main presentation came from David Snyder of the American Property Casualty Insurance Association, who said the insurance industry sees itself as part of the problem and part of the solution because it ultimately pays for losses created by natural conditions, development choices, and construction practices. Snyder described rising losses from natural catastrophes, inflation-driven increases in rebuilding and repair costs, more development in disaster-prone areas, wildfire exposure, severe convective storms, hail, and roof damage. He argued that Kentucky should avoid the mistakes he attributed to California, where regulatory responses contributed to a strained insurance market and greater reliance on the FAIR Plan. He said Kentucky’s private market appears to be functioning better, with relatively few FAIR Plan policies, and urged lawmakers to preserve that market through risk-based rates and policies that do not worsen availability. He recommended a broad mitigation strategy involving stronger building codes, land-use decisions, stormwater infrastructure, public access to risk data, and incentives for resilient construction. He highlighted programs such as the Insurance Institute for Business and Home Safety, fortified-home standards, wildfire-prepared community practices, and examples from Alabama, Louisiana, and Florida showing that mitigation can produce quick returns and insurance discounts. He also suggested catastrophe savings accounts, flexible coverage options, and a whole-of-government approach that includes the insurance department, building-code agencies, first responders, FEMA, NFIP, and NOAA. In questions, a legislator asked about the prognosis if carriers continue exiting markets and if nothing is done to address affordability and accessibility. Snyder said he could not predict market exits but stressed that regulators should monitor the market closely, use available data, and focus on loss prevention and mitigation. He said insurers want to do business in Kentucky and that the long-term solution is coordinated action among public and private stakeholders to reduce risk and keep coverage available.

Transcript Highlights:

• We could also sign you down. Is that a formal motion? No, it's out of order. Sorry.
• Or if somebody put up a wind turbine, could they participate in this fund? Mr.
• We did... look to see if there was such a thing as a rooftop wind.
• Solar and wind and all those are great sources. Sources. They're expensive sources.
• Speaker, gentlelady, when we go down this same page, page 2, line 20, Mr.