Video & Transcript : 'condominium insurance' :

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FL

Florida 2026 5th Special Session

FL House Floor Session - 2026-03-09 (1:00PM Session)

Florida House Floor Meeting

Transcript Highlights:
  • to be entitled an act relating to the Citizens Property Insurance Corporation.
  • to be entitled an act relating to the Citizens Property Insurance Corporation.
  • Is there a notice requirement to the insured?
  • Members, we need to remember that Citizens insurance was created as the insurance of last resort.
  • , condominium owners.
Summary: The House convened with prayer, a moment of silence for former Judge John Carlin, the Pledge of Allegiance, and a recognition of FSU Police Officer Cody Popple for his actions during the April campus shooting. The Speaker also outlined the final week of session, noting the House would focus on Senate bills and returning messages, and that the 2026-27 budget would not be completed by the end of the week. The chamber then adopted the special order calendar for the day. The House passed several technical and open-government bills, mostly on strong bipartisan votes. These included SB 100, SB 104, and SB 102 on the Florida Statutes and reviser changes; SB 7006, SB 7014, SB 7002, SB 7012, SB 7024, SB 7016, SB 7026, SB 7008, SB 7000, and SB 7004, which extended or preserved various public records or meeting exemptions involving the Public Service Commission, social media investigations, military affairs, highway safety investigations, cybersecurity, small business loan records, trade secrets, emergency shelter locations, and conviction integrity units. Members asked questions on several of these bills, especially about the scope and purpose of the exemptions, but the bills generally advanced with little opposition. The chamber also took up more substantive measures. SB 7040 recreated the emergency preparedness and response trust fund and drew extended debate over whether the fund had been misused for the Everglades detention facility; an Escamani amendment to let the fund expire failed, while a Griffiths amendment adding limits and oversight was adopted, and the bill ultimately passed 82-25. CS/CS/SB 302 on coastal resiliency passed unanimously after supporters highlighted nature-based shoreline protection and a Biscayne Bay provision. CS/CS/SB 984 on firefighter cancer benefits passed after a House amendment aligned it with the House version. CS/SB 474 on military affairs passed unanimously after an amendment allowing local governments to extend Guard leave. SB 488 on the Department of Highway Safety and Motor Vehicles was debated extensively over vehicle registration requirements, license plate frames, and I-94 documentation, with amendments including one for disabled veterans and another on dealer allocation; the transcript cuts off before final disposition of that bill.
FL
Transcript Highlights:
  • IF SOME OF THEM HAVE FLOOD INSURANCE I'M GOING TO MAKE AN ASSUMPTION, YOU CAN CORRECT ME BUT IF THEY
  • HAD THAT FLOOD INSURANCE THAT THEY COULD HAVE HAD THAT DEBRIS COLLECTED BUT MOST OF THEM DON'T.
  • ELIGIBLE WORK FOR YOUR INSURANCE FIRST BECAUSE THERE'S GOING TO BE PLENTY THAT THEY HAVE TO ACCOUNT
  • FOR THAT IS NOT COVERED BY INSURANCE.
  • THERE ARE COSTS THAT CAN BE OFFSET IN ADDITION TO WHAT YOUR INSURANCE MAY OR MAY NOT COVER.
FL

Florida 2026 Regular Session

FL House Floor Session - 2026-03-09 (1:00PM Session)

Florida House Floor Meeting

Transcript Highlights:
  • to be entitled an act relating to the Citizens Property Insurance Corporation.
  • Is there a notice requirement to the insured?
  • Members, we need to remember that Citizens insurance was created as the insurer of last resort.
  • And healthy competition in the private sector means lower prices on our insurance.
  • , condominium owners.
NM

New Mexico 2026 Regular Session

House - Judiciary Feb 11th, 2026 at 05:05 pm

House Judiciary

Transcript Highlights:
  • Where are the insurance companies? I'll tell you what, my car insurance keeps going up.
  • What type of insurance will optometrists have to get additional insurance?
  • What type of insurance will optometrists have to get additional insurance?
  • What type of insurance will optometrists have to get additional insurance?
  • Will optometrists have to get additional insurance or malpractice insurance?
Bills: HB99 , HJR5 , HM39 , HB206 , HB213 , SB41 , SB153 , SB165 , SB261 , SB264
HI

Hawaii 2025 Regular Session

FIN Info Briefing - Thu Jan 16, 2025 @ 9:00 AM HST

Hawaii House Floor Meeting

Transcript Highlights:
  • You know, is our permit issued acceptable to insurance companies?
  • You know, is our permit issued acceptable to insurance companies?
  • You know, is our permit issued acceptable to insurance companies?
  • Is our beneficiary going to be able to get insurance?
  • Insurance costs and premiums have gone through the roof.
HI

Hawaii 2026 Regular Session

JDC Public Hearing 03-03-2026

Judiciary

Transcript Highlights:
  • It clarifies that condominium associations that have obtained title to a unit through foreclosure may
  • 00:16:06.079><c> that</c> Next one is SB 2767 clarifies that Next one is SB 2767 clarifies that condominium
  • <00:16:06.800><c> associations</c><00:16:07.520><c> that</c><00:16:07.640><c> have</c> condominium associations
  • that have condominium associations that have obtained<00:16:08.560><c> title</c><00:16:08.839><c> to
  • cooperative housing corporations, planned community corporations, planned community associations, and condominium
Committee: Senate Judiciary
Summary: The Judiciary Committee met in decision-making only session and took up a long list of Senate bills, mostly advancing them with either no amendments or committee amendments. Early measures included SB 888, which bars smart household security device operators from sharing user data with law enforcement without consent or a warrant, and SB 2479, which allows certain defendants to seek reduced sentences based on family violence, dating violence, or child abuse history; both were adopted, with SB 2479 amended for technical and procedural changes. The committee also adopted SB 2489 on invasive species provisions in Department of Agriculture and Biosecurity leases, SB 2519 on Law Enforcement Standards Board deadlines, SB 2521 and SB 2527 on CDL-related exemptions and training/policies for emergency personnel, and SB 2575 on firearm-related mandatory minimum penalties, which was amended to clarify scope and set a far-future effective date. Several transportation and public safety bills were also approved. SB 2591 created a Waikiki refuse-collection pilot program; SB 2611 expanded criminal trespass rules for school premises to weekends and holidays, though one member raised concerns about use of school property as a park; SB 2665 required driver-license renewal applicants with recent citations to complete a road-safety course, later narrowed to moving violations only; SB 2667 restricted towing vehicles from far-left lanes; SB 2695 clarified crosswalk duties; SB 2697 prohibited driving on shoulders except in limited cases; and SB 2812 required driver testing on dangers posed by larger vehicles, with court-ordered timing for re-examination. Most of these measures passed unanimously or with one or more members recording no votes or reservations, but they were still adopted. The committee also advanced SB 2713 on restricting certain pesticide use near elderly care facilities, SB 2730 on warrantless arrest and detention factors for petty misdemeanors and violations, SB 2765 on condominium foreclosure rental income, SB 2795 on flag display rights in housing associations with health and safety carve-outs, SB 2797 on gift card fraud, SB 2806 on real estate listing restrictions, SB 2818 on boating and ocean recreation penalties, SB 2835 on liquor licensing and education funding, SB 2849 on public meeting notice requirements, SB 2851 on a deafness designation for vehicle registration, SB 2896 lowering the commercial driving age to 18, SB 2922 on cooperative association definitions, SB 2970 on state contracting conflicts involving relatives, SB 2972 on temporary Oahu spearing restrictions for certain fish, and SB 2973 on banning jug-line fishing. A few bills drew objections over breadth or penalties, especially the boating and fishing measures, but the committee still adopted the recommendations. SB 2751 on workers’ compensation prescription drug rules was deferred indefinitely, and the meeting ended with the chair noting upcoming joint and committee meetings for the next day.
MA

Massachusetts 2025-2026 Regular Session

Informal House Session 113 Jun 21st, 2026 at 11:00 am

Massachusetts House Floor Meeting

Transcript Highlights:
  • Kilcoyne relative to the condominium owner's rights, to the Committee on the Judiciary. Megan K.
  • Kilcoyne, relative to the condominium owner's rights, to the Committee on the Judiciary. Mr.
Summary: The House received a gubernatorial message returning House No. 3912, a bill to increase the Marblehead Board of Health from three to five members, with recommendation of amendment, and referred it to the Committee on Bills in the Third Reading. The House also suspended Joint Rule 12 on a petition from Megan K. Kilcoyne concerning condominium owners’ rights, sending it to the Committee on the Judiciary, and suspended Rule 7A to take up several bills reported by Steering, Policy and Scheduling. Those bills were read a second time and ordered to a third reading: House No. 138 on the definition of livestock; House No. 4437 on nutrient management and fertilizer regulation in Nantucket; House No. 4673 protecting first responders and enhancing access to behavioral health centers; House No. 4676 on tort actions for latent diseases; and House No. 4694 on increasing affordable and public housing options. The House then adopted an emergency preamble for House No. 4587, establishing a sick leave bank for a Department of Correction employee, David A. Russell. Several engrossed bills were passed to be enacted, including House No. 4149 revising the Lynn city charter, House No. 4286 authorizing an additional wine and malt beverage license in Somerset, and House No. 4439 simplifying subdivision road layout and acceptance in Marlborough. House No. 4587 was also passed to be enacted after the emergency preamble vote. The House observed a moment of silent tribute for Representative Anne Margaret Ferrante, who died after a battle with pancreatic cancer, and adopted an order to adjourn until Thursday at 10 a.m., with adjournment in her memory.
CA

California 2025-2026 Regular Session

Senate Insurance Committee May 12th, 2026

Transcript Highlights:
  • To raise income, we continue with a sustainable insurance strategy and allow the insurers to justify
  • People buy flood insurance because they have to buy flood insurance.
  • People buy flood insurance because they have to buy flood insurance.
  • Very few people will buy flood insurance if they don't have a federally insured mortgage that forces
  • So a few years ago, we couldn't get insurance for condominiums.
Summary: The Senate Committee on Insurance held an information hearing on the impacts of climate change and catastrophic wildfire on California’s insurance market, with opening remarks focused on the state’s affordability, availability, and stability problems. Chair and members discussed the role of SB 254’s report, the Sustainable Insurance Strategy, the growth of the FAIR Plan, and the need to better align insurance regulation, mitigation, and land-use decisions. The Vice Chair noted the importance of hearing from industry as well as consumer and academic experts, and Senator Becker said the report would inform further committee work. Amy Bach of United Policyholders described how climate-driven wildfire and flood risk, combined with inflation, insurtech, and risk modeling, have reduced competition and pushed more homeowners into the FAIR Plan and non-admitted surplus lines coverage. She said availability is improving somewhat, but affordability will depend on mitigation, insurer competition, and fair rate regulation. In response to questions, she emphasized underinsurance as a long-running problem, supported stronger insurer responsibility for replacement-cost estimates, and suggested a public reinsurance backstop and more mitigation funding rather than removing wildfire coverage from basic policies. Nancy Watkins of Milliman and Michael Wara of Stanford argued that the market problem is fundamentally that expected claims and expenses now exceed premiums because too many homes are burning. They said California needs both risk reduction and actuarially sound pricing, along with a state mitigation framework that targets the highest-risk communities and prioritizes home hardening, defensible space, and community-scale mitigation over broad acreage-based spending. They also discussed the role of non-admitted carriers as a gap-filler, the need for better data on reconstruction costs and mitigation effectiveness, and the importance of sustained funding rather than one-time grants. A later panel with Frank Freebalt of Cal Poly and Michael Golnar of UC Berkeley focused on modeling and mitigation science. They said wildfire policy should treat the issue as a structure-ignition and urban conflagration problem, not just a wildland fire problem, and stressed integrated land-use, utility, and community mitigation. Members asked about zoning, building codes, utility hardening, and who should pay for mitigation; witnesses said older, denser neighborhoods are the highest priority, that utilities must improve operational safety measures, and that targeted mitigation in the highest-risk areas offers the best return. No votes or formal actions were taken at the hearing.
LA

Louisiana 2026 Regular Session

House of Representatives May 20th, 2026

Louisiana House Floor Meeting

Transcript Highlights:
  • claims processes between homeowners and Louisiana Citizens Property Insurance Corporation.
  • Insurance. Insurance. Senate resolutions lying over: SCR 71 by Senator C.
  • Senate Bill 155 by Senator Talbot, Insurance with amendments.
  • Senate Bill 295 by Senator Wheat, Insurance with amendments.
  • That's it for grass cutters, insurance, everything. So I'll just tell you that.
Bills: HR308 , HR309 , HR310 , HR311 , HR312 , HR313 , HR314 , HR315 , HR316 , HR317 , HR318 , HR319 , HR295 , HR296 , HR297 , HR298 , HR299 , HR300 , HR301 , HR302 , HR303 , HR304 , HR305 , HR306 , HR307 , HCR115 , HCR116 , HCR117 , SCR71 , SCR72 , SCR73 , HR73 , HR118 , HR144 , HR196 , HR237 , HR249 , HR260 , HR267 , HR272 , HR273 , HR276 , HR278 , HCR85 , HCR100 , HCR105 , HCR107 , HCR113 , HCR114 , SCR5 , SCR29 , SCR33 , SCR37 , SCR63 , HB255 , HB378 , HB509 , HB1090 , SB80 , SB131 , SB143 , SB251 , SB254 , SB279 , SB367 , SB384 , SB388 , SB389 , SB398 , SB408 , SB431 , SB468 , SB469 , SB496 , SB25 , SB132 , SB155 , SB157 , SB202 , SB295 , SB433 , HR179 , HR223 , HR225 , HR274 , HCR89 , HR252 , HR253 , HCR96 , HCR103 , HCR108 , HCR26 , HB250 , HB265 , HB339 , HB427 , HB445 , HB463 , HB468 , HB606 , HB639 , HB649 , HB665 , HB746 , HB781 , HB853 , HB861 , HB872 , HB886 , HB916 , HB937 , HB1054 , HB1068 , HB1117 , HB1237 , HB74 , HB108 , HB956 , HB1085 , HB1137 , HB62 , HB193 , HB210 , HB220 , HB246 , HB364 , HB420 , HB475 , HB584 , HB622 , HB772 , HB784 , HB949 , HB953 , HB1043 , HB1070 , HB1092 , HB1134 , HB1162 , HB1176 , HB1196 , HB1214 , HB1199 , SB268 , SB283 , HB782 , SB149 , HR84 , HB646 , HB998 , SB56 , SB163 , SB197 , SB97 , SB326 , SB341 , SB518 , SB123 , SB353 , SB479 , SB495 , HB901 , HR20 , HR74 , HR168 , HCR65 , HCR71 , HCR98 , HB284 , HB302 , HB306 , HB341 , HB366 , HB393 , HB458 , HB577 , HB603 , HB605 , HB614 , HB625 , HB733 , HB752 , HB773 , HB798 , HB911 , HB955 , HB996 , HB1035 , HB1069 , HB1113 , HB1140 , HB1180 , HB1191 , HB1240 , HB1255 , SB82 , SB89 , HB134 , HB258 , HB359 , SB29 , SB42 , SB43 , SB217 , SB274 , SB300 , SB379 , SB382 , SB441 , SB449
FL
Transcript Highlights:
  • LAST YEAR WE MADE REVISIONS TO THE CONDOMINIUM LAWS WHICH IN OVERTLY CREATED INCONSISTENCIES WITH HOW
  • MAKES CLEAR TIMESHARE BOARDS ARE REQUIRED TO MEET ONCE A YEAR AS OPPOSED TO FOUR TIMES REQUIRED BY CONDOMINIUMS
  • THANK YOU SENATOR BRADLEY FOR ALL OF THE TIME AND EFFORT THAT YOU PUT INTO THIS CONDOMINIUM ISSUE.
  • I DO REPRESENT A LOT OF CONDOMINIUMS IN MY DISTRICT.
CA

California 2025-2026 Regular Session

Assembly Judiciary Committee Jun 24th, 2025

Transcript Highlights:
  • the HOA as an additional insured.
  • HOA as an additional insured.
  • I just believe we're in an insurance catastrophe in the state expansions of insurance really make it
  • But it's moving the insurance towards the HOA, from the personal insurance side.
  • But this indemnity from the actual person getting insurance, who will be getting insurance, who will
Summary: The committee heard several bills from Senator Umberg and Senator Allen, with testimony from supporters and opponents before roll-call votes were taken once quorum was established. SB 253, the annual State Bar fee bill, would keep fees unchanged while requiring two-year notice for substantial changes to the bar exam, including vendor changes, and returning to an older delivery method for the upcoming exam; it was presented as a response to recent State Bar problems and the February bar exam failure. SB 25, the Pre-Merger Notification Act, would require certain merger parties to provide California’s attorney general the same Hart-Scott-Rodino materials filed federally, so state antitrust review can occur in parallel with federal review; supporters said this would reduce delay and uncertainty, while members questioned whether it would add another layer of review. SB 36 would strengthen price-gouging enforcement after the January 2025 Southern California firestorms by requiring rental-listing platforms to report suspected gouging, expanding consumer and prosecutor remedies, and allowing warrants in housing-related cases; supporters said it would close loopholes, while opponents from business groups raised concerns. All three bills were later approved on roll call, with SB 36 and SB 413 placed on call before final passage and SB 253 and SB 25 moving forward on committee votes. The committee also heard SB 413, which would streamline access to juvenile case files in certain civil cases brought by or on behalf of the youth who is the subject of the file, allowing attorneys to use heavily redacted records without first petitioning the juvenile court. Supporters, including Los Angeles County counsel and county associations, said the current petition process is costly, slow, and routinely granted, creating delays in civil litigation and court congestion. Opponents, including the Youth Law Center, argued the bill would weaken longstanding juvenile confidentiality protections by bypassing judicial review and could expose sensitive information unnecessarily. After discussion about redactions, sealing, and the scope of access, the bill was passed on a do-pass-as-amended vote. Finally, Senator Wahab presented SB 436, which would extend the notice period for nonpayment of rent from three days to 14 days. Supporters, including tenant advocates, legal aid groups, and several local governments, argued the change would reduce unnecessary evictions, give renters more time to obtain assistance or a paycheck, and help prevent homelessness. Opponents, including apartment associations, property owners, and the California Association of Realtors, said the bill would burden landlords, especially small owners, and could unintentionally affect commercial leases; members also raised concerns about repeated late payment and the lack of stronger guardrails. The author said she would work on clarifying commercial coverage and safeguards, and the bill remained under discussion as the hearing continued.
HI

Hawaii 2026 Regular Session

CPN DEFER, CPN-HOU, CPN, CPN-EDT Public Hearings 02-03-2026

Commerce and Consumer Protection

Transcript Highlights:
  • SB 277 relating to insurance.
  • Insurance Division with comments. >> Thank you, Chair. Insurance comments.
  • This measure relating to insurance.
  • </c> Uh insurance division with comments. Uh insurance division with comments.
  • Uh insurance comments. &gt;&gt; Thank you, chair. Uh insurance comments.
Bills: SB2045 , SB2354
Summary: The committees first took up SB 2071 on rent-to-own housing. Testimony was generally supportive from HHFDC and Hawaii Realtors, but Sierra Club of Hawaii and others opposed the bill unless it was amended to exclude ceded lands from the 99-year lease provision. Members discussed the scope of ceded versus non-ceded lands and whether an inventory exists. The committees ultimately recommended passage with amendments, including HHFDC’s proposal to make the fixed-price period flexible by tying it to an option period and Sierra Club’s language limiting the program to non-ceded state or county land. They then heard SB 2191 on limited profit housing associations. HHFDC supported the measure, while the Tax Foundation of Hawaii and the Office of the Auditor urged caution about tax exclusions and asked for clearer, more targeted limits and measurable outcomes. The committees adopted amendments to add a statement of purpose, include measurable metrics, apply the tax provisions to taxable years beginning after December 31, 2025, and delay the effective date to allow for administrative changes. SB 2191 was recommended for passage with amendments. The committees also considered SB 2197, which would have replaced the five-year fixed-price period in rent-to-own housing with an option period set by HHFDC, but deferred it indefinitely because its issues were addressed in SB 2071. SB 2180 on deposits of public funds drew comments from the Hawaii Bankers Association questioning definitions and noting banks are already subject to Community Reinvestment Act requirements; decision-making was deferred to the next day in the CPN committee and to a later date for the housing committee. Finally, SB 2210 on housing discrimination received support from disability advocates and the Hawaii Civil Rights Commission, which asked for one additional investigator; the committees passed it with amendments adding a blank appropriation for one full-time position and planned to notify Ways and Means for possible re-referral.
FL

Florida 2026 Regular Session

February 26, 2026 - 03:30 PM

Commerce Committee

Transcript Highlights:
  • Certificate of authority under the Florida Insurance Code.
  • We license insurance companies in the state of Florida.
  • We license insurance companies in the state of Florida.
  • Florida Insurance Code that apply to claims handling.
  • has a good handle on how AI is used by insurers.
Summary: The committee first heard CS/HB 1263 on insurance regulation. The sponsor said the bill would strengthen the Office of Insurance Regulation’s tools to oversee property and auto insurance markets, including market conduct and solvency exams, mitigation discounts, storage of mitigation inspection forms, and clearer oversight of pharmacy benefit managers. An amendment narrowing fingerprinting requirements was adopted, and the bill passed favorably after supportive testimony from OIR and others. Members then considered CS/HB 527, which would require a qualified human review before an insurance claim can be denied or reduced when artificial intelligence is used in the process. After an amendment removing the word “algorithm” was adopted, insurers and trade groups testified in opposition, arguing current law already covers claims handling and that the bill could create duplicative work and slow innovation. Supporters, including a consumer and labor representative, said human judgment is needed to protect claimants. The bill passed favorably. The committee also approved CS/HB 637 on farm equipment “lemon law” rights, with an amendment clarifying consumer definitions, refund rights, repair-period extensions, and a July 1, 2026 effective date. CS/HB 107 on data centers also passed after an amendment narrowing the five-mile siting restriction to data centers over 50 megawatts and adding noise-study requirements; business groups supported a framework but opposed the NDA ban and siting limits, while several members raised competitiveness and local-impact concerns. Later, the committee passed CS/HB 1291 on NICA funding and solvency, CS/HB 185 on a sales tax exemption for home-hardening products, CS/HB 425 on historic African-American cemetery preservation, CS/CS/CS/HB 1177 on Space Florida and spaceport operations, CS/CS/CS/HB 657 on community associations and HOA/condo reforms, and CS/CS/HB 1221, the DFS package. The final major item discussed was CS/HB 1001 on local government DEI restrictions, which drew extensive questioning about definitions, exceptions, cultural and religious observances, advisory councils, and contracting rules; the transcript cuts off before the bill’s final disposition.
NH
Transcript Highlights:
  • ,</c><01:30:46.000><c> property</c> expenses, you know, insurance, property expenses, you know, insurance
  • It's like a whole new world of condominium law.
  • You're like melting condominium law into rent potentially. Like this could get really scary.
  • </c> whole new world of condominium law. whole new world of condominium law.
  • condominium law into rent<01:48:14.719><c> potentially.
Summary: The meeting began with roll call and approval of the prior meeting minutes, which passed unanimously. Members then introduced the day’s presentations, including one on the Canton network and another on tokenizing real-world assets, with a focus on how blockchain systems can support regulated financial institutions and asset tokenization. Julie, the director of policy and government affairs at Digital Asset, presented on the Canton network, describing it as a privacy-enabled public blockchain designed for regulated finance. She said tokenization should preserve the same legal and economic rights as the underlying asset, and argued that blockchain-based books and records can shorten settlement times, improve 24/7 trading, and reduce friction in capital markets. She identified three main barriers to institutional adoption of public blockchains: lack of privacy, limited throughput/scalability, and lack of control for compliance purposes such as freezing assets, pausing transactions, and meeting AML/sanctions obligations. She explained Canton’s structure as a public, permissionless network with application-level privacy controls, a global synchronizer, and super validators chosen by vote. She also highlighted current ecosystem participants and use cases, including Broadridge, Circle, and the DTCC’s planned tokenization of U.S. Treasuries on the network. Members and online participants asked about the relationship between tokenized assets and the Clarity Act, tokenized deposits, safeguards for faster settlement, and whether the platform could be used for municipal or property records. Julie said Digital Asset was not taking a position on rewards, but supported clearer statutory definitions because tokenized securities should carry the same rights as the underlying assets and investors need to know whether a token is a true tokenized security or a synthetic/reference token. She said the company is agnostic on whether the cash leg is stablecoins or tokenized deposits, though it expects both to develop. In response to concerns about rapid settlement, she pointed to institution-level permissions and SEC disclosure expectations as safeguards. She also said the technology could be used for other records, including potentially property-related records, if those assets can be tokenized.
FL

Florida 2026 4th Special Session

February 26, 2026 - 03:30 PM

Commerce Committee

Transcript Highlights:
  • Certificate of authority under the Florida Insurance Code.
  • I'm Michael Carlson with the Personal Insurance Federation of Florida.
  • We license insurance companies in the state of Florida.
  • Florida Insurance Code that apply to claims handling.
  • has a good handle on how AI is used by insurers.
Summary: The committee first considered CS/HB 1263 on the Office of Insurance Regulation. The sponsor said the bill would strengthen OIR’s tools to oversee property insurance, including market conduct and solvency exams, claims handling oversight, mandatory discounts for certain mitigation measures, storage of mitigation inspection forms, and clearer authority over pharmacy benefit managers. An amendment narrowing fingerprinting requirements was adopted, and the bill passed favorably after supportive testimony from OIR and others. Members then heard CS/HB 527, which would require a human review before an insurance claim can be denied or reduced when artificial intelligence or automated systems are used. After an amendment removing the term “algorithm” was adopted, the bill drew opposition from several insurance industry groups, while consumer and labor witnesses supported it. The sponsor argued the measure was needed after reports of AI-driven claim denials, and the bill passed favorably. The committee also approved CS/HB 637 on farm equipment “lemon law” protections, with an amendment clarifying who qualifies as a consumer, refund rights, repair timelines, and an effective date. The committee next took up CS/HB 1007 on data centers, which would create a regulatory framework for siting and operating large data centers, limit NDAs in some circumstances, set PSC tariff requirements, and restrict certain locations near homes and schools. After an amendment narrowing the five-mile buffer to data centers over 50 megawatts and adding noise-study requirements, the bill drew mixed testimony from business, consumer, and local-government groups, with supporters emphasizing guardrails and opponents warning about competitiveness and site restrictions. The bill passed favorably despite several no votes. Later, the committee approved CS/HB 1291 on the NICA birth-related neurological injury compensation program after a strike-all amendment revised reimbursement and assessment provisions; testimony included support from NICA and concerns from the Florida Justice Association and a family affected by the program. The committee also passed CS/HB 185 on a sales tax exemption for home-hardening products, CS/HB 425 on a historic African-American cemetery preservation program, CS/CS/CS/HB 1177 on Space Florida and spaceport operations, CS/CS/CS/HB 657 on community associations and HOA/condo reforms, and CS/CS/HB 1221, the DFS agency package. The final bill discussed was CS/HB 1001, which would restrict county and municipal DEI-related actions and contracting; the sponsor explained the strike-all, and members began questioning its definitions and exceptions, but the transcript cuts off before the bill’s final disposition.
FL

Florida 2025 Regular Session

Finance and Tax Apr 15th, 2025

Transcript Highlights:
  • Avila: THE AMENDMENT TO THE AMENDMENT LIMITS THE EXEMPTION TO A SINGLE-FAMILY HOME, MOBILE HOME AND CONDOMINIUM
  • IN REGARDS TO INCOME TAX FOR INSURANCE PREMIUM TAX IT CREATES THE RURAL COMMUNITY INVESTMENT PROGRAM
  • WHICH ALLOWS INVESTORS TO EARN TAX CREDITS AGAINST THE CORPORATE INCOME TAX OR INSURANCE PREMIUM TAX
  • MADE IT HARDER TO QUALIFY FOR BENEFITS, REFUSED EXPAND MEDICAID AND BUILD TO FIX THE HOUSING AND INSURANCE
  • AS A RESULT WE HAVE A POPULATION THAT IS MORE FOOD INSECURE, HAS NO HEALTH INSURANCE AND CAN'T AFFORD
FL

Florida 2025 Regular Session

House in Session May 1st, 2025

Florida House Floor Meeting

Transcript Highlights:
  • Pintovski and others, CS for HB 393, a bill to be entitled an act relating to the Mise Florida Condominium
Bills: HB1520 , HB1545 , HJR110 , HJR203 , HB245 , HB1465 , HB1482 , HB294 , HB793 , HB809 , HB3928 , HB334 , HB2037 , HB1973 , HB285 , HB4341 , HB4264 , HB 1043 , HB837 , HB 1234 , HB 1193 , HB 1194 , HB1646 , HB1729 , HB2498 , HB1314 , HB2295 , HB1353 , HB1531 , HB1988 , HB5398 , HB3960 , HB3923 , HB1407 , HB1764 , HB2221 , HB2214 , HB2517 , HB2518 , HB2213 , HB5008 , HB5092 , HB3421 , HB3663 , HB3748 , HB3800 , HB3756 , HB2613 , HB3782 , HB5246 , HB4344 , HB4044 , HB4066 , HB2702 , HB2807 , HB2869 , HB2898 , HB3181 , HB3250 , HB4153 , HB2091 , HB2115 , HB2542 , HB2768 , HB3349 , HB3352 , HB4406 , HB1593 , HB1899 , HB3133 , HB4432 , HB4960 , HB3214 , HB3915 , HB3508 , HB2145 , SB304 , SB608 , SB2312 , SB494 , SB530 , HB45 , HB2520 , HB35 , HB47 , HB318 , HB349 , HB554 , HB1359 , HB1373 , HB2254 , HB2259 , HB2853 , HB3073 , HB3088 , HB353 , HB355 , HB786 , HB762 , HB705 , HB932 , HB849 , HB 1119 , HB3041 , HB713 , HB3104 , HB3970 , HB4042 , HB4490 , HB1731 , HB2607 , HB3689 , HB1788 , HB1612 , HB138 , HB15 , HB1971 , HB1338 , HB2989 , HB267 , HB 1201 , HB2954 , HB5265 , HB1804 , HB5061 , HB1520 , HB1545 , HJR110 , HJR203 , HB1887 , HB1914 , HB2402 , HB2306 , HB1809 , HB2350 , HB3000 , HB3237 , HB3326 , HB3211 , HB 1056 , HB2081 , HB2187 , HB3092 , HB3308 , HB3526 , HB3750 , HB3527 , HB4219 , HB4230 , HB4290 , HB5238 , HB4804 , HB4749 , HB245 , HB1465 , HB1482 , HB294 , HB793 , HB809 , HB3928 , HB334 , HB2037 , HB1973 , HB285 , HB4341 , HB4264 , HB 1043 , HB837 , HB 1234 , HB 1193 , HB 1194 , HB1646 , HB1729 , HB2498 , HB1314 , HB2295 , HB1353 , HB1531 , HB1988 , HB5398 , HB3960 , HB3923 , HB1407 , HB1764 , HB2221 , HB2214 , HB2517 , HB2518 , HB2213 , HB5008 , HB5092 , HB3421 , HB3663 , HB3748 , HB3800 , HB3756 , HB2613 , HB3782 , HB5246 , HB4344 , HB4044 , HB4066 , HB2702 , HB2807 , HB2869 , HB2898 , HB3181 , HB3250 , HB4153 , HB2091 , HB2115 , HB2542 , HB2768 , HB3349 , HB3352 , HB4406 , HB1593 , HB1899 , HB3133 , HB4432 , HB4960 , HB3214 , HB3915 , HB3508 , HB2145 , HCR6 , HCR12 , HCR34 , HCR50 , HCR55 , HCR58 , HCR70 , HCR71 , HCR72 , HCR74 , HCR75 , HCR78 , HCR80 , HCR93 , HCR100 , HCR107 , HCR116 , HCR117 , HCR90
Summary: The Florida House considered multiple bills on Day 59 of the legislative session. Key legislation included CS for HB 1103 on developmental disabilities services, which expanded a pilot program statewide while maintaining current contracts. CS for SB 1730 addressed affordable housing with amendments protecting historic districts. CS for HB 443 on charter schools allowed stricter codes of conduct and virtual student athletic participation. CS for HB 209 prohibited golf courses and hotels in state parks. Lucy's Law (CS for HB 289) increased boating safety penalties and education requirements. CS for HB 1205 significantly restricted citizen ballot initiatives by requiring petition circulator registration, limiting volunteer collections to 25 signatures, adding financial impact statements, and imposing new penalties. The House also passed bills on animal cruelty databases, waste incineration restrictions, and spectrum alerts for individuals with developmental disabilities.
MA

Massachusetts 2025-2026 Regular Session

Joint Committee on Transportation May 28th, 2026

Joint Committee on Transportation

Transcript Highlights:
  • On insurance, it's not clear to me why a 25-mile-per-hour gas-powered moped would require insurance when
  • GEICO doesn't allow you to insure anything under 100 cc's.
  • GEICO doesn't allow you to insure anything under 100 cc's.
  • I'm with the Mass Association of Insurance Agents.
  • is typically only on property, renters, auto insurance, or new insurance products.
Bills: H5400 , H5421 , H5430 , S3077 , S3089
WA

Washington 2025-2026 Regular Session

Senate Transportation Feb 27th, 2026 at 02:30 pm

Transportation

Transcript Highlights:
  • Seeing none, we will move to a briefing on House Bill 2604, transferring ownership of a vehicle to an insurer
  • with the specified insurance policy dollar amounts that are specified in statute.
  • The blue envelope will hold the registration, their insurance, and an emergency contact in the envelope
  • The blue envelope will hold the registration, their insurance, and an emergency contact in the envelope
  • She said enhanced roadway safety practices will likely have a positive impact on insurance outcomes.
Bills: HB2604 , HB2436 , SB6354 , SB6352