Video & Transcript : 'income stability' :
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WA
Washington 2025-2026 Regular Session
House Floor Session Mar 5th, 2026 at 09:30 am
Washington House Floor Meeting
Transcript Highlights:
- So this very much is an amendment that helps with rent stabilization and helping those renters who are
- Relating to strengthening the financial stability of persons in the care. Last line.
- It helps the state's financial stability, but it does nothing for the stability of these youth.
- It helps the state's financial stability, but it does nothing for the stability of these youth.
- And that means their financial stability and security.
Bills:
HB2720 , HB2073 , HB2487 , SB5816 , SB5919 , SB5995 , SB5831 , SB6134 , SB6136 , SB6137 , HB2689 , SB5922 , SB5944 , SB5957 , SB5988 , SB5994 , SB6011 , SB6065 , SB6103 , SB6151 , SB6244 , SB5420 , SB5868 , SB6044 , SB6132 , SJM8002 , HB2720 , HB2073 , HB2487 , SB5816 , SB5919 , SB5831 , SB6137 , SB6244 , SB5420 , SB5868 , SB6044 , SB6132 , SJM8002
Keywords:
behavioral health, emergency services, health insurance, provider access, mental health funding, premium assistance, funding, healthcare, subsidies, insurance tax, state regulation, insurers, taxation, budget impact, juice grapes, agriculture, commerce, market access, fire safety, insurance incentives
WA
Washington 2025-2026 Regular Session
House Floor Session Mar 4th, 2026 at 09:30 am
Washington House Floor Meeting
Bills:
HB2720 , HB2073 , HB2487 , SB5816 , SB5919 , SB5995 , SB5831 , SB6134 , SB6136 , SB6137 , HB2689 , SB5922 , SB5944 , SB5957 , SB5988 , SB5994 , SB6011 , SB6065 , SB6103 , SB6151 , SB6244 , SB5420 , SB5868 , SB6044 , SB6132 , SJM8002
Keywords:
behavioral health, emergency services, health insurance, provider access, mental health funding, premium assistance, funding, healthcare, subsidies, insurance tax, state regulation, insurers, taxation, budget impact, juice grapes, agriculture, commerce, market access, fire safety, insurance incentives
Summary:
The House convened with a quorum, recited the Pledge of Allegiance, and heard a prayer from Tammy Stamphley, a Presbyterian minister and hospital chaplain. After approving the previous day’s minutes and receiving a Senate message, the chamber moved to second and third reading of several bills, with multiple measures advanced under suspended rules.
The first major vote was on Engrossed Senate Bill 5872, which establishes a pre-K-related account to support up to 10,000 additional early learning slots for three- and four-year-olds. Supporters emphasized the Balmer Group’s private funding commitment and the value of early learning and family support; the bill passed 97-0. Substitute Senate Bill 5834, a Department of Retirement Systems request bill changing the fund source for legal, medical, administrative, and fraud-prevention expenses using interest earnings from pension funds, also passed 97-0.
Substitute House Bill 2689, dealing with the Working Connections Child Care program, drew the most debate. Supporters said it aligned attendance policy with federal rules, adjusted reimbursement rates, and helped balance the budget while preserving child care resources. Opponents argued it cut support in rural and underserved counties, would worsen child care deserts, and placed budget savings on the child care industry; it passed 53-44. The House then passed Senate Bill 5922, allowing school districts to transfer vehicle depreciation funds with OSPI approval, by 59-38, and Senate Bill 6065, a narrower bill for districts under enhanced financial oversight such as Prescott, by 97-0. The session ended with announcements that both caucuses would meet later in the day.
WA
Washington 2025-2026 Regular Session
House Floor Session Mar 4th, 2026
Washington House Floor Meeting
Bills:
HB2720 , HB2073 , HB2487 , SB5816 , SB5919 , SB5995 , SB5831 , SB6134 , SB6136 , SB6137 , HB2689 , SB5922 , SB5944 , SB5957 , SB5988 , SB5994 , SB6011 , SB6065 , SB6103 , SB6151 , SB6244 , SB5420 , SB5868 , SB6044 , SB6132 , SJM8002
Keywords:
behavioral health, emergency services, health insurance, provider access, mental health funding, premium assistance, funding, healthcare, subsidies, insurance tax, state regulation, insurers, taxation, budget impact, juice grapes, agriculture, commerce, market access, fire safety, insurance incentives
Summary:
The House received a Senate message announcing passage of Substitute House Bill 1570 and then moved several bills from Rules to the second reading calendar, including Substitute Senate Bill 5242 on anaphylaxis medications in schools and Senate Bill 6132 on Inland Port District debt. The chamber then took up a series of bills, beginning with Senate Bill 5988 on Department of Health accreditation fee authority for opioid treatment programs. An amendment to cap the fee at $17,000 was debated at length but failed, and a separate amendment was ruled beyond the scope of the bill. Senate Bill 5988 then passed 62-34.
The House next considered Substitute Senate Bill 6309 on enhanced municipal permitting tools for high-capacity transit projects. Several amendments were offered to require written consent from abutting property owners, preserve setback and seismic/critical-area protections, and add transparency provisions, but the scope challenge to the transparency amendment was sustained and the other amendments failed. Supporters argued the bill would streamline permitting for Sound Transit and reduce taxpayer costs; opponents said it gave a large transit authority too much discretion and weakened property-rights and land-use protections. The bill passed 56-38. The House also passed Substitute Senate Bill 5886 on personality rights and digital likeness protections, and Senate Bill 6136 on workers’ compensation transparency, both with strong bipartisan support.
After caucuses and a rule suspension to work past 10 p.m., the House took up additional second-reading bills. It passed Substitute Senate Bill 6034 to codify the Governor’s Office of Indian Affairs, Gross Second Substitute Senate Bill 5395 on prior authorization and AI in health care, Substitute Senate Bill 6248 creating the Washington Travel Insurance Act, Substitute Senate Bill 5720 on uniform consumer debt default judgments, Senate Bill 5995 on port modernization funding with labor-related concerns, and Senate Bill 6103 affecting rural hospitals and enrollment status subject to appropriation. Later, the House passed Engrossed Substitute Senate Bill 6110 on e-motorcycle regulation, Engrossed Substitute Senate Bill 5156 allowing smaller elevators in some housing, Substitute Senate Bill 6269 updating motor fuel definitions to include hydrogen, Substitute Senate Bill 6189 extending time for Thurston County to pursue an aquatics public facilities district, and Senate Bill 6134 requiring unemployment applicants to acknowledge repayment if retroactive union pay is received. Most bills passed with large majorities, though some drew dissent over labor, property rights, transit governance, or regulatory scope.
HI
Transcript Highlights:
- income.
- And so, I'm wondering how are lower<00:55:33.280><c> income</c> lower income lower income working<00:
- </c> income threshold is $40,000. income threshold is $40,000.
- </c> income earners. income earners.
- Income Income Income should<01:08:25.680><c> be</c><01:08:25.799><c> at</c><01:08:25.920><c> the</c><
Bills:
HB2459 , HB1616 , HB1799 , HB1604 , HB1732 , HB1736 , HB1931 , HB772 , HB2153 , HB2122 , HB2009 , HB2012 , HB1779 , HB2296 , HB2397 , HB2398 , HB1596 , HB2233 , HB1976 , HB1563 , HB815 , HB1655 , HB1851 , HB1941 , HB2037 , HB1635 , HB2201 , HB1943 , HB1163 , HB2452 , HB2429 , HB2148 , HB2306 , HB2007 , HB2049 , HB2616
Committee:
House Finance
Keywords:
food innovation, agribusiness, food safety, market access, branding, economic diversification, performance indicators, agriculture, aquaculture, commercial activity, swine production, Korean natural farming, housing development, commercial projects, county authority, public works, construction standards, exemption, zoning, housing
WA
Washington 2025-2026 Regular Session
Senate Human Services Jan 14th, 2026 at 08:00 am
Human Services
Transcript Highlights:
- This bill strengthens financial stability and supports success.” “Of care.
- “Youth leave care without income that could have provided housing stability, access to medical care,
- So that would, would that be counted as income?
- I will have to get back to you if that would be counted as income. Would that be counted as income?
- to stability rather than a single step.
Committee:
Senate Human Services
Keywords:
children, youth, financial stability, care services, department of children and families, housing assistance, foster care, pilot program, social services, accountability, family services, state department, child welfare, homeless youth, youth homelessness, runaway youth, young adult homelessness, housing instability, family reunification, family stability
US
US Federal 2025-2026 Regular Session
Business meeting to consider the nominations of Paul Atkins, of Virginia, to be a Member of the Securities and Exchange Commission, Jonathan Gould, of Virginia, to be Comptroller of the Currency, and Luke Pettit, of the District of Columbia, to be an Apr 3rd, 2025 at 09:00 am
Banking, Housing, and Urban Affairs Committee
Transcript Highlights:
- who have the experience. leadership and commitment needed to restore economic growth and financial stability
- experience to the OCC, and he will put an end to the politically motivated debanking and ensure financial stability
- Trump administration's deregulatory agenda. instead of fighting to protect consumers and financial stability
Summary:
The meeting centered around the confirmation of four significant individuals nominated for leadership positions within various financial institutions. Members engaged in heated discussions regarding the nominees' qualifications and past track records. Concerns were raised over the potential implications of these appointments on economic stability and consumer protections. Each nominee was scrutinized, with particular emphasis on their political alignments and prior influence in their respective agencies. Despite the contentious atmosphere, there was a clear focus on the need for strong leadership to guide economic policies during challenging times.
MA
Massachusetts 2025-2026 Regular Session
Special Joint Committee on Initiative Petitions Mar 17th, 2026
Special Joint Committee on Initiative Petitions
Transcript Highlights:
- Rent stabilization measures often have a fairly high cap or based on the consumer Rent stabilization
- Today we want to talk about rent stabilization as a common-sense policy to stabilize residents across
- Rent stabilization works.
- In Los Angeles, rent-stabilized tenants pay $3,600 less per year than non-stabilized tenants.
- In New York City, more low-income households pay affordable rents in rent-stabilized housing than in
Bills:
H5008
Keywords:
rent control, housing stability, tenants rights, affordability crisis, consumer protection
Summary:
The Special Joint Committee on Initiative Petitions held a public hearing on Initiative Petition 25-21, House Bill 508, an act to protect tenants by limiting rent increases. The chair explained the ballot process under Article 48 and outlined the hearing structure. The first witness, a Harvard Joint Center for Housing Studies researcher, described Massachusetts’ worsening rental affordability, explained how rent regulation policies are typically designed, and reviewed research suggesting rent regulation can slow rent growth and improve tenant stability, while also noting concerns about reduced supply, quality, and implementation details. She compared the proposal to other state and local rent-stabilization laws and said the measure would cap increases at the lower of CPI or 5%, exempt certain housing types, and apply to new tenants as well as current tenants because it would not allow vacancy decontrol.
Supporters of the petition argued that rent stabilization is needed to address displacement and immediate affordability pressures while broader housing production continues. The proponent from Homes for All Massachusetts said the policy is a grassroots response to corporate rent hikes and cited examples of tenants facing steep increases. A tenant from Arlington described a long dispute after a building was purchased by an investment firm and rents were raised sharply, saying the experience showed how rent increases can function as eviction. A union leader said high rents are forcing workers out of the communities they serve, and two experts testified that rent stabilization can reduce displacement and provide broad, immediate benefits. Committee members asked about the proposal’s exemptions, the 10-year new-construction carveout, vacancy decontrol, and whether the policy could discourage development; supporters said the bill targets large landlords, preserves room for small owners, and should be viewed as a complement to new housing production.
Opponents, including small property owners, a chamber of commerce representative, a union official, and a landlord, argued the measure would hurt small landlords, reduce investment, and slow housing production. They said operating costs such as taxes, insurance, and maintenance rise faster than the proposed cap, and warned that capping rents would lower property values and tax revenues. Several opponents emphasized that many housing providers are not large corporations but local “mom-and-pop” owners, and one said the proposal would discourage pension funds and other investors from financing new projects. Committee members pressed opponents on what alternatives they would support for affordability, and opponents pointed to increased housing production and other housing policies instead of rent control. No vote or final action was taken at the hearing.
MA
Massachusetts 2025-2026 Regular Session
Special Joint Committee on Initiative Petitions Mar 17th, 2026
Special Joint Committee on Initiative Petitions
Transcript Highlights:
- Rent stabilization measures often have a fairly high cap or based on the consumer Rent stabilization
- Rent stabilization works.
- In Los Angeles, rent-stabilized tenants pay $3,600 less per year than non-stabilized tenants.
- In San Francisco, for example, 173,000 homes are stabilized by rent stabilization.
- In New York City, more low-income households pay affordable rents in rent-stabilized housing than in
Bills:
H5008
WA
Washington 2025-2026 Regular Session
House Early Learning & Human Services Feb 3rd, 2026 at 01:30 pm
Early Learning & Human Services
Transcript Highlights:
- bill that requires JLARC to conduct a review and report to the legislature regarding safety and stability
Committee:
House Early Learning & Human Services
WA
Washington 2025-2026 Regular Session
Senate Human Services Jan 20th, 2026 at 01:30 pm
Human Services
Transcript Highlights:
- That is Allison, Senate Bill 5911, strengthening the financial stability of persons in the care of the
Committee:
Senate Human Services
Keywords:
incarcerated individuals, escorted leaves, criminal justice, rehabilitation, state law, healthcare, incarcerated, extraordinary medical placement, criminal justice reform, medical care, children, youth, financial stability, care services, department of children and families, housing assistance, foster care, pilot program, social services, accountability
WA
Transcript Highlights:
- Now more than ever, districts need enrollment stability.
- It is where safety, stability, and trusted relationships still exist.
- It is where safety, stability, and trusted relationships still exist.
- For these students, school is often the only source of stability.
- For these students, school is often the only source of stability.
Committee:
House Education
Keywords:
education agencies, administrative independence, superintendent, education reform, agency authority, education, school boards, district adjustments, administrative boundaries, educational governance, military families, child stability, transitional schooling, support services, special education, parental rights, educational access, evaluation reports, disability services, unhoused
HI
Transcript Highlights:
- So, this was like for incoming kindergarteners, basically a transition program.
- </c> about $3.5 million of wage stabilization about $3.5 million of wage stabilization bonuses<00:04:
- So the Gear Up program is a federal grant to help more low-income students get into college, whether
- So the Gear Up program is a federal grant to help more low-income students get into college, whether
- </c> million workforce stabilization wage million workforce stabilization wage bonus.<00:21:28.880><c
Bills:
SB2901 , SB2902 , SB2903 , SB2904 , SB2905 , SB2906 , SB2907 , SB2908 , SB2909 , SB2910 , SB2911 , SB2912 , SB2913 , SB2914 , SB2915 , SB2916 , SB2917 , SB2918 , SB2919 , SB2920 , SB2921 , SB2922 , SB2923 , SB2924 , SB2925 , SB2926 , SB2927 , SB2928 , SB2929 , SB2930 , SB2931 , SB2932 , SB2933 , SB2934 , SB2935 , SB2936 , SB2937 , SB2938 , SB2939 , SB2940 , SB2941 , SB2942 , SB2943 , SB2944 , SB2945 , SB2946 , SB2947 , SB2948 , SB2949 , SB2950 , SB2951 , SB2952 , SB2953 , SB2954 , SB2955 , SB2956 , SB2957 , SB2958 , SB2959 , SB2960 , SB2961 , SB2962 , SB2963 , SB2964 , SB2965 , SB2966 , SB2967 , SB2968 , SB2969 , SB2970 , SB2971 , SB2972 , SB2973 , SB2974 , SB2975 , SB2976 , SB2977 , SB2978 , SB2979 , SB2980 , SB2981 , SB2982 , SB2983 , SB2984 , SB2985 , SB2986 , SB2987 , SB2988 , SB2989 , SB2990 , SB2991 , SB2992 , SB2993 , SB2994 , SB2995 , SB2996 , SB2997 , SB2998 , SB2999 , SB3000
Keywords:
geological subsurface characterization, groundwater, geothermal resources, environmental review, Hawaii groundwater and geothermal resources center, scientific research, non-extractive, public trust doctrine, clean energy, greenhouse gas, carbon sequestration, climate change, energy policy, Hawaii state energy office, emissions reduction, sustainable development, fare-free transportation, greenhouse gas emissions, public transit, tax on petroleum
LA
Bills:
HB414 , HB786 , HB1041 , HB1052 , HB1118 , HB1139 , HB1182 , HB1185 , HB1214 , HB1217 , HB1231 , SR63 , SCR27 , SB5 , SB194 , SB415 , SB433 , SB451 , SB462 , SB516
Committee:
House Health and Welfare
Keywords:
healthcare, criminal convictions, employment, background checks, prohibited offenses, Medicaid, claim payments, extrapolation, provider audits, medical freedom, discrimination, access, medical intervention, child protection, confidentiality, multidisciplinary teams, child advocacy centers, public records, investigations, hospital
WA
Washington 2025-2026 Regular Session
House Floor Session Mar 3rd, 2026 at 05:50 pm
Washington House Floor Meeting
Bills:
HB2720 , HB2073 , SB5467 , SB5820 , SCR8406 , HB2487 , SB5816 , SB5919 , SB5995 , SB6278 , SB5831 , SB5915 , SB5963 , SB6025 , SB6046 , SB6084 , SB6134 , SB6136 , SB6137 , SB6188 , SB6291 , HB2689 , SB5922 , SB5944 , SB5957 , SB5988 , SB5994 , SB6011 , SB6065 , SB6103 , SB6151 , SB6244
Keywords:
behavioral health, emergency services, health insurance, provider access, mental health funding, premium assistance, funding, healthcare, subsidies, SB 5467, water-sewer district, water sewer district, surplus property, public property sale, local government, RCW 57, real property disposal, personal property, notice of intent to sell, public auction
WA
Washington 2025-2026 Regular Session
House Floor Session Mar 3rd, 2026 at 02:00 pm
Washington House Floor Meeting
Transcript Highlights:
- Speaker, can be dangerous situations—fast-moving and ever incoming on what’s coming at you and what you
- Speaker, can be dangerous situations, fast-moving and ever incoming on what's coming at you and what
Bills:
HB2720 , HB2073 , SB5467 , SB5820 , SCR8406 , HB2487 , SB5816 , SB5919 , SB5995 , SB6278 , SB5831 , SB5915 , SB5963 , SB6025 , SB6046 , SB6084 , SB6134 , SB6136 , SB6137 , SB6188 , SB6291 , HB2689 , SB5922 , SB5944 , SB5957 , SB5988 , SB5994 , SB6011 , SB6065 , SB6103 , SB6151 , SB6244
Keywords:
behavioral health, emergency services, health insurance, provider access, mental health funding, premium assistance, funding, healthcare, subsidies, SB 5467, water-sewer district, water sewer district, surplus property, public property sale, local government, RCW 57, real property disposal, personal property, notice of intent to sell, public auction
WA
Washington 2025-2026 Regular Session
House Floor Session Mar 3rd, 2026 at 09:00 am
Washington House Floor Meeting
Bills:
HB2720 , HB2073 , SB5467 , SB5820 , SCR8406 , HB2487 , SB5816 , SB5919 , SB5995 , SB6278 , SB5831 , SB5915 , SB5963 , SB6025 , SB6046 , SB6084 , SB6134 , SB6136 , SB6137 , SB6188 , SB6291 , HB2689 , SB5922 , SB5944 , SB5957 , SB5988 , SB5994 , SB6011 , SB6065 , SB6103 , SB6151 , SB6244
Keywords:
behavioral health, emergency services, health insurance, provider access, mental health funding, premium assistance, funding, healthcare, subsidies, SB 5467, water-sewer district, water sewer district, surplus property, public property sale, local government, RCW 57, real property disposal, personal property, notice of intent to sell, public auction
WA
Washington 2025-2026 Regular Session
House Floor Session Mar 3rd, 2026
Washington House Floor Meeting
Bills:
HB2720 , HB2073 , SB5467 , SB5820 , SCR8406 , HB2487 , SB5816 , SB5919 , SB5995 , SB6278 , SB5831 , SB5915 , SB5963 , SB6025 , SB6046 , SB6084 , SB6134 , SB6136 , SB6137 , SB6188 , SB6291 , HB2689 , SB5922 , SB5944 , SB5957 , SB5988 , SB5994 , SB6011 , SB6065 , SB6103 , SB6151 , SB6244
Keywords:
behavioral health, emergency services, health insurance, provider access, mental health funding, premium assistance, funding, healthcare, subsidies, SB 5467, water-sewer district, water sewer district, surplus property, public property sale, local government, RCW 57, real property disposal, personal property, notice of intent to sell, public auction
Summary:
The House received several messages from the Senate announcing passage of engrossed or substitute versions of House Bill 2294, House Bill 2472, Senate Bill 606, Senate Bill 6335, engrossed substitute Senate Bill 6266, and engrossed substitute House Bill 3. The chamber then moved through second and third reading on a series of measures, often suspending the rules to advance bills to final passage.
A major floor debate centered on Senate Concurrent Resolution 8406, which would reestablish the Joint Select Committee on Civic Health and expand its membership. Amendment 2131, offered to keep the committee at its current size rather than expanding it, was rejected after debate over fiscal restraint, committee scope, and whether the body functioned like a “proxy legislature.” The resolution then passed 83-10. The House also passed engrossed substitute Senate Bill 6200 on portable cooling devices for renters and mobile home occupants, Senate Bill 6084 on clarifying the prohibition on voting in more than one election, second engrossed substitute Senate Bill 5105 on sexually explicit depictions involving minors, and Senate Bill 6046 authorizing the Civil Air Patrol to be used by the governor in emergencies; each drew debate over policy scope, enforcement, and state-federal authority, but all ultimately passed.
The House next passed substitute Senate Bill 6054, limiting HOA and common-interest community restrictions that conflict with wildfire-hardening measures; substitute Senate Bill 6091, requiring greater transparency in real estate broker practices; Senate Bill 6291, giving more time to train and certify on-site wastewater inspectors; substitute Senate Bill 6081, creating a Public Records Act exemption for sex designation information to protect transgender people from doxxing and harassment; Senate Bill 5963, automatically enrolling certain vulnerable students in the Washington College Grant; and substitute Senate Bill 6226, addressing audiology scope-of-practice and telemedicine concerns. Most of these bills passed with broad bipartisan support, though some drew dissent over added regulation, privacy, or scope-of-practice issues.
The final portion of the transcript focused on Senate Bill 6106, which the Speaker ruled had an out-of-scope amendment related to agricultural seasonal workers; the bill itself passed 75-18 after debate over layoff notices and tribal sovereignty. Substitute Senate Bill 6014, dealing with pregnancy accommodations and related public records issues, saw a failed amendment to replace gender-neutral language with “pregnant woman” and then passed 68-25. The House also debated Senate Bill 5820, with multiple amendments concerning freight rail, greenhouse gas calculations, county planning, property rights, and rail safety; the excerpt ends amid that amendment debate before final action on the bill is shown.
WA
Washington 2025-2026 Regular Session
House Pro Forma Floor Session Mar 2nd, 2026 at 09:55 am
Washington House Floor Meeting
Bills:
HB2720 , HB2073 , SB5467 , SB5820 , SCR8406 , HB2487 , SB5816 , SB5919 , SB5995 , SB6278 , SB5831 , SB5915 , SB5963 , SB6025 , SB6046 , SB6084 , SB6134 , SB6136 , SB6137 , SB6188 , SB6291 , HB2689 , SB5922 , SB5944 , SB5957 , SB5988 , SB5994 , SB6011 , SB6065 , SB6103 , SB6151 , SB6244
Keywords:
behavioral health, emergency services, health insurance, provider access, mental health funding, premium assistance, funding, healthcare, subsidies, SB 5467, water-sewer district, water sewer district, surplus property, public property sale, local government, RCW 57, real property disposal, personal property, notice of intent to sell, public auction
WA
Washington 2025-2026 Regular Session
House Consumer Protection & Business Feb 25th, 2026 at 01:30 pm
Consumer Protection & Business
Committee:
House Consumer Protection & Business
Keywords:
SB6178, property insurance, insurance claims, assignment of benefits, AOB, post-loss assignment, post-loss benefits, homeowners insurance, policyholder, insured, restoration contractor, mitigation contractor, public adjuster, insurance commissioner, claims handling, consumer protection, void and unenforceable, Washington insurance code, chapter 48 RCW, civil penalty
WA
Washington 2025-2026 Regular Session
House Consumer Protection & Business Feb 24th, 2026 at 01:30 pm
Consumer Protection & Business
Transcript Highlights:
- And for those on fixed incomes, it's really challenging.
- Second, it supports market stability.
- And when we talk about the stability of the insurance industry across the western United States, the
- stability of the insurance industry across the western United States.
- When they are recognized, when they take recognized steps for wildfire mitigation, this stability is
Committee:
House Consumer Protection & Business
Keywords:
SB6178, property insurance, insurance claims, assignment of benefits, AOB, post-loss assignment, post-loss benefits, homeowners insurance, policyholder, insured, restoration contractor, mitigation contractor, public adjuster, insurance commissioner, claims handling, consumer protection, void and unenforceable, Washington insurance code, chapter 48 RCW, civil penalty