Transcript Highlights:

• Our policyholders have spent more money by the double and triples.
• get refunds from that money back to the policyholder?
• It’s going back to the policyholder in the way of new premiums. No, ma’am.
• Checks are going right back to the policyholder. You’re recognized. Correct.
• And the types of policyholder litigation that I’m talking about...”

Summary: The Insurance and Banking Subcommittee met to hear and vote on several bills, with all measures reported favorably. The first major item was PCS for HB 175 on payment stablecoins, which would create a Florida regulatory framework aligned with the federal GENIUS Act so issuers can choose state regulation instead of federal licensing. Members asked extensive questions about how stablecoins differ from other digital assets, whether Florida would need federal approval, and what impact the bill would have on the Office of Financial Regulation; the sponsor and OFR said the state framework would mirror federal standards and that any workload increase was currently indeterminate. The PCS passed unanimously after testimony from OFR and the Florida Blockchain Business Association in support. The committee then approved CS for HB 961, which streamlines electronic signature requirements for salvage titles and certificates of destruction, and HB 1415, a DFS stablecoin pilot program allowing certain stablecoins to be used for licensing and regulatory fees. HB 1415 was amended to remove authority for a Florida coin, limit the pilot to established stablecoins with at least $1 billion market cap, and require secure custody through a public depository or custodial bank. Members discussed how any interest or revenue would be used, with sponsors saying the pilot was still exploratory and intended mainly to cover program costs. Both bills passed favorably. HB 1039, establishing a state cryptocurrency reserve, also passed after a strike-all amendment moved administration of the reserve from the CFO’s office to the State Board of Administration and tightened eligibility to cryptocurrencies with a $100 billion market cap over the prior 12 months. Supporters argued the bill would create a framework for future diversification and investment in established digital assets, while several members raised concerns about volatility, reporting frequency, and the meaning of new terms such as qualified liquidity provider and secure custody solution. The committee also passed CS for HB 951 on penny rounding for cash transactions, with an amendment clarifying cash transaction definitions and treating money orders and gift cards like credit-card transactions for rounding purposes.

Transcript Highlights:

• Today, we have more than 272,000 policyholders in our coastal counties, and as shown on page nine of
• The 1st $500 million of public securities are backed by TWEA policyholder premiums and the authority
• to impose surcharges on TWEIA policyholders.
• So 50 to 60 cents out of every premium dollar from our policyholders will go towards reinsurance.
• Our, our goal is to facilitate policyholders and applicants knowing all of their options, and that's

Transcript Highlights:

• And United Policyholders greatly appreciate your leadership on this issue.
• United Policyholders greatly appreciates your leadership on this issue.
• Another provision that's important is that the image be given to the policyholder.
• I'm Joel Laucher on behalf of United Policyholders. We support this bill. Thank you.
• Joel Laucher on behalf of United Policyholders supports this bill. Thank you.

Keywords: 987, senate, all

Summary: The Senate Committee on Insurance met as a subcommittee due to a lack of quorum, and first heard AB 1559 by Assembly Member Calderon. The bill would add consumer protections when insurers use aerial imagery for underwriting or coverage decisions by requiring notice before collecting images, giving policyholders access to images used, and allowing an in-person inspection if an image is used to non-renew, cancel, or reduce coverage. The Department of Insurance and United Policyholders supported the measure, citing complaints about outdated or inaccurate drone, satellite, and aircraft images; local governments, AARP, and Realtors also supported it, and there was no opposition. The committee later voted 6-0 to pass AB 1559 to the Privacy Committee. The committee also heard AB 2038 by Assembly Member Harabedian, which would extend wildfire-related non-renewal moratoriums for homeowners, including extending protections for total-loss properties and homes within or near a fire perimeter. Supporters, including the Consumer Federation of California, United Policyholders, and the League of California Cities, argued that rebuilding after major fires is taking much longer than expected and that homeowners need more time and stability. Opponents from the insurance industry warned that extending moratoriums, especially to adjacent zip codes, could further constrain insurers, worsen availability and affordability, and push more business to the FAIR Plan. Senators raised concerns about the zip-code-based perimeter and whether the bill should be tied to home-hardening standards, but the author said the bill simply extends existing timelines and would continue negotiations on amendments. The committee voted 4-0 to send AB 2038 to Appropriations. File items 1 and 3 were taken up as consent items and approved 6-0. The committee then adjourned.

Transcript Highlights:

• Under its current language, policyholders who challenge bill does not put consumers first.
• And I'd like you to think about the policyholders. Let's not step backwards.
• So we might have relief as a state, but an individual policyholder won't.
• So we might have relief as a state, but an individual policyholder won't.
• So we might have relief as a state, but an individual policyholder won't.

Summary: The committee met to hear five banking and insurance-related bills. HB 1549, an Office of Financial Regulation agency bill to help more efficiently regulate financial institutions, was amended to match Senate companion language and then passed unanimously. HB 1231 would extend physician payment and prior-authorization protections similar to a prior dental law, including limits on virtual credit card payments as the sole payment method; physicians and medical groups supported it as a way to reduce fees and retroactive denials, while insurers were not heard in opposition, and the bill passed unanimously. The committee then heard HB 999, which would make gold and silver legal tender and allow transactions in bullion through electronic debit mechanisms. The sponsor and several proponents framed it as an inflation hedge and economic freedom measure, while questions focused on definitions, transaction costs, and vendor participation. The bill passed on a mostly party-line vote, with one member voting no. The committee also approved HM 4363, a memorial urging Congress to establish a sovereign wealth fund; the sponsor described it as a way to steward national wealth, and the memorial passed with one dissenting vote. Finally, the committee took up HB 1551, which would create a prevailing-party attorney fee framework in insurance contract disputes. The sponsor argued it would restore balance, deter meritless litigation, and help consumers with valid claims recover fees, while insurers, business groups, and defense attorneys warned it would revive one-way fee shifting, increase litigation, and raise premiums. Consumer advocates and some members supported it as necessary to give policyholders meaningful recourse. After debate, the bill passed favorably, with one member voting no.

Transcript Highlights:

• When this happens, the Minnesota Insurance Guarantee Association steps in to protect policyholders.
• This protects smaller policyholders, ensuring they'll have more opportunity to be made whole.
• To determine policyholders' net worth, the Minnesota Insurance Guarantee Association (MNIGA) requires
• It adds a consequence: if a policyholder does not return the affidavit within 60 days, they're assumed
• This common-sense reform protects small policyholders and ensures the system works as intended.

Transcript Highlights:

• Today, when a policyholder is canceled or non-renewed, the policyholder may...
• Senate Bill 1106 addresses this issue by requiring insurers to provide policyholders or prospective policyholders
• There is a different relationship when you're a policyholder with an insurer.
• I mean, it's great to have this as a policy to help policyholders, but I also wanted to...
• But once a policyholder gets the information, what can be done with that information?

Bills: SB388, SB455, SB917, SB925, SB1006

Keywords: dispatchable generation, electricity, natural gas, ERCOT, energy credits, utilities regulation, renewable energy, arbitration, insurance contracts, surplus lines, Texas law, insurance policy, boiler inspection, boiler safety, inspection report deadline, certificate inspection, authorized inspector, inspection agency, Health and Safety Code, board of boiler rules

Transcript Highlights:

• He is recognized for his work representing policyholders, especially in catastrophe-related claims.
• He is recognized for his work representing policyholders, especially in catastrophe-related claims.
• He is recognized for his work representing policyholders, especially in catastrophe-related claims.
• People that might be complaining like the policyholder Mr. Carr is down there.
• And the truth of the matter is, if it's for the policyholder, they feel... ...crime.

Summary: The subcommittee held its first meeting on homeowners property insurance, with members from both parties introducing themselves and repeatedly noting that insurance affordability, roof condition, claims handling, and storm recovery are top concerns for their districts. Chair Yeager said the meeting was intended as an educational discussion rather than a legislative debate, and introduced a panel that included Insurance Commissioner Mike Yaworski, consumer Chad Carr, agent Mary Catherine Lawler, insurer executive Melissa Burt DeVries, and policyholder attorney Chip Merlin. The panel and members discussed major cost drivers in Florida homeowners insurance, including inflation, home age, roof age, mitigation features, claims history, litigation costs, reinsurance, and the Florida Hurricane Catastrophe Fund. Commissioner Yaworski said underwriting has become more sophisticated and that litigation costs, reinsurance, and replacement-cost inflation all affect premiums; he also said litigation is down about 30% and average requested rate increases have fallen from about 22.1% in 2022 to 0.8% today. DeVries said age of home, replacement cost, roof age, and coverage choices can materially change premiums, and explained that reinsurance is a major expense passed through to consumers. Merlin emphasized transparency concerns, argued that insurers are increasingly individualizing risk, and said consumers often struggle with coverage limits, deductibles, and claim denials. Members asked about flood coverage, hurricane deductibles, managed repair programs, mitigation credits, new insurer capitalization, and whether savings from reforms are reaching consumers. Yaworski explained that flood is generally excluded from homeowners policies and covered separately, that hurricane deductibles are mandatory in Florida and usually around 5%, and that the office tracks savings from reforms through rate filings and insurer discussions. He said the state is updating mitigation discounts and monitoring new entrants closely for solvency and market conduct. Several members and panelists said recent reforms have helped reduce some abuses and litigation, but many consumers are still seeing higher premiums because replacement costs and reinsurance remain elevated. No votes or formal actions were taken.

Transcript Highlights:

• I'M NOT SURE I AM A FAN OF IT BUT IT IS THERE AND ANSWERS COME QUICKER TO THE POLICYHOLDERS.
• ANY POLICYHOLDER. IT'S BIG THERE BUT WE ALSO USE IN THE OPERATIONAL AREAS. HR. HUMAN RESOURCES.
• THE SECOND AREA IS FRAUD PERPETRATED UPON POLICYHOLDERS.
• MANY POLICYHOLDERS PURCHASE, COMMERCIAL INTEREST, CRIME COVERAGE.
• CYBER ATTACKS ON POLICYHOLDERS.

Transcript Highlights:

• substitute to Senate Bill 1,000. which provides much-needed transparency to our insurance market for policyholders
• Today when a policyholder is canceled or non-renewed the policyholder may request a justification for
• However, many policyholders don't know that they have the ability to request that justification.
• Senate Bill 1006 addresses this issue by requiring insurers to provide policyholders or perspective policyholders
• must include a statement of the precise incident, circumstance, or risk factors applicable to the policyholder

Bills: SJR57, SCR8, SB8, SB14, SB24, SB108, SB112, SB125, SB213, SB251, SB315, SB318, SB371, SB378, SB379, SB472, SB487, SB502, SB513, SB565, SB621, SB650, SB689, SB707, SB710, SB761, SB763, SB815, SB854, SB875, SB896, SB916, SB925, SB958, SB961, SB965, SB973, SB987, SB990, SB995, SB1006, SB1018, SB1019, SB1024, SB1026, SB1146, SB1194, SB1198, SB1253, SB1330, SB1343, SB1362, SB1379, SB1497, SB1498, SB1527, SB1532, SB1547, SB1596, SJR36, SJR12, SJR57, SCR22, SCR12, SCR8, SB565, SB765, SB62, SB666, SB707, SB888, SB687, SB847, SB1248, SB14, SB1006, SB504, SB925, SB995, SB857, SB305, SB296, SB284, SB815, SB1379, SB1497, SB1499, SB1498, SB241, SB304, SB621, SB1023, SB1024, SB686, SB112, SB371, SB204, SB609, SB670, SB502, SB850, SB854, SB413, SB1362, SB1346, SB1033, SB1220, SB1073, SB810, SB987, SB1539, SB447, SB875, SB406, SB985, SB965, SB1119, SB1505, SB24, SB1194, SB1253, SB1215, SB1532, SB1302, SB856, SB650, SB583, SB673, SB213, SB681, SB1172, SB1252, SB378, SB1343, SB608, SB487, SB955, SB957, SB988, SB990, SB1019, SB1021, SB1120, SB251, SB958, SB761, SB541, SB315, SB379, SB1018, SB1737, SB266, SB1415, SB1527, SB125, SB599, SB1330, SB53, SB916, SB896, SB1352, SB973, SB785, SB710, SB472, SB1450, SB1502, SB1566, SB414, SB1062, SB1547, SB961, SB1038, SB513, SB578, SB711, SB746, SB942, SB1404, SB1448, SB1738, SB108, SB8, SB318, SB507, SB533, SB689, SB1026, SB1349, SB1355, SB1433, SB1434, SB1596, SB1403, SB1198, SB1146, SB763, SB667, SB1059, SB617, SB1567, SB503, SJR37, SB16, SB310, SB311, SB396, SB505, SB1209, SB1210, SB1470, SB264, SB924, SB1029, SB1185, SB1202, SB1358, SB1364, SB1569, SB1697, SB1376, SB1228, SB519, SB878, SB1350, SB462, SB1535, SB827, SB1585, SB207, SB1207, SB1619, SB1396, SB920, SB1484, SB1273, SB1741

Keywords: central bank digital currency, CBDC, Federal Reserve, digital dollar, digital currency, cashless payments, financial privacy, cybersecurity, government surveillance, financial surveillance, money laundering, terrorism financing, illicit finance, banking policy, monetary policy, payments system, commercial banks, Texas Legislature, concurrent resolution, federal reserve digital currency

Transcript Highlights:

• And last but not least, AB 69 will allow the Fair Plan to provide relevant policyholder information to
• Hello, I'm Joel Launcher with United Policyholders, and we support this bill. Thank you.
• I'm here representing United Policyholders, and we are in favor of this bill.
• Representing United Policyholders, and we are in favor of this bill. Thank you.
• Hello, Joel Loucher, on behalf of United Policyholders, here to support.

Keywords: 987, senate, all

Transcript Highlights:

• I mean, I know full well that they are working to make sure that these policyholders are made whole.
• But that's just not the function of insurers is to make their policyholder whole.
• It ensures that the policyholder and the insurers alike have access to a structured, balanced method
• And this is a major driver of affordability, both at the insurance company level and the policyholder
• I'm just a policyholder today, as I was in the damage to about $50,000 and still in disagreement and

Bills: HF4881, HF4867, HF4422, HF4223

Keywords: healthcare, insurance, regulation, financial institutions, prescription drug affordability, consumer protection, restitution account, financial compensation, attorney general, distributions, property insurance, homeowners insurance, fire and allied lines, hail insurance, appraisal clause, loss adjustment, alternative dispute resolution, insurance claims, claim valuation, actual cash value

Transcript Highlights:

• Public adjusters can play an essential role in advocating for their policyholders, but gaps in current
• Misleading contracts with vague contract terms have left policyholders uncertain about what they are
• Misleading contracts with vague contract terms have left policyholders uncertain about what they are
• To policyholders.
• And the increase, of course, is for State Farm policyholders.

Summary: The committee first heard AB 597, a bill to strengthen consumer protections for disaster survivors who use public adjusters. The author and the Department of Insurance said the measure would cap public adjuster fees at 15% for claims tied to declared disasters, require clearer contracts, prohibit solicitation during emergency conditions, and allow consumers to rescind contracts that were solicited during prohibited periods. Insurance industry groups supported the bill, while public adjuster representatives opposed it as written but said they were willing to work on revisions. The committee approved the bill and re-referred it to Appropriations; the roll call was ultimately recorded as 16-0. The committee then held its fourth oversight hearing on the Department of Insurance’s Sustainable Insurance Strategy, with Commissioner Ricardo Lara giving an extensive update on wildfire-related market reforms and consumer protections. He said the recent Southern California wildfires had not derailed the strategy and described actions including advance claim payments, a one-year moratorium on residential non-renewals in affected areas, a new fraud strike team, smoke-damage claim guidance, additional living expense protections, and a consumer claims tracker. He reported more than $12.1 billion in claims paid, over 37,000 claims filed, and more than 7,000 survivors assisted directly. He also discussed related bills and reforms, including AB 597, SB 495, SB 547, SB 429, SB 616, AB 888, and AB 2026. Members questioned the commissioner about the Fair Plan’s growing exposure, the $1 billion assessment, rate increases, non-renewals, underinsurance, and whether the reforms would actually stabilize the market. Lara said the assessment was already approved, that policyholders would not be hit with one large bill because insurers have two years to recover costs, and that the department was pushing insurers to use catastrophe modeling and reinsurance tools in exchange for commitments to write more policies in wildfire-distressed areas. He said the department expects to see market stabilization by 2026, though he emphasized the timeline depends on insurer participation, implementation of the new regulations, and future disaster activity. Members generally expressed support for the goals of the strategy while pressing for clearer expectations for consumers and faster action on mitigation and market reform.

Transcript Highlights:

• And we would, if a policyholder from one of our members... ...in suit.
• Currently, policyholders are paying for these borrowing costs through their premiums.
• This bill would save policyholders money and ensure that future policyholders can continue to pay their
• Policyholders can continue to pay their premiums interest-free. Thank you, Senator. Any questions?
• This bill would save policyholders money and ensure that future policyholders can continue to pay their

Bills: HB 106, HB144, HB145, HB252, HB1732, HB2221, HB2467, HB2468, HB2517, HB2518, HB2963, HB3016, HB3689, HB3960, HB4386, HB4490, HB4751, HB5247, HJR175, HB2213

Keywords: HB 106, oil and gas, Railroad Commission of Texas, overhead electrical lines, electrical distribution system, power line maintenance, administrative penalty, Natural Resources Code, oil and gas lease, well operator, energy safety, utility infrastructure, regulatory compliance, cleanup fund, oil and gas regulation and cleanup fund, production safety, leasehold operations, electric utility, distribution poles, inspection

Summary: The committee first handled pending business, including reconsidering SB 715 and then voting out several measures. The committee substitute for SB 1978 was reported favorably, and HB 431, HB 1522, HB 1922, HB 3228, HB 3229, HB 3803, HB 3804, HB 3805, HB 3806, HB 4219, HB 4238, HB 434, HB 1584, and HB 4739 were all reported favorably, many with objections sent to the local and uncontested calendar. HB 1522 and HB 4238 were adopted as committee substitutes before passage. The committee then moved into public testimony on HB 2963, a right-to-repair bill for consumer electronics. Supporters argued it would reduce waste, lower costs, and help independent repair shops by requiring manufacturers to provide parts, tools, and information on fair terms, while opponents said the bill was too broad and the automotive MOU exemption was problematic. The bill was left pending after testimony. The committee also heard HB 2467, which would align State Fire Marshal Office investigators’ pay with other commissioned peace officers at TDI; testimony was strongly supportive, emphasizing the office’s arson-investigation role, and the bill was left pending. HB 252, a bill allowing certain state agencies flexibility to pay Schedule A employees twice monthly, was laid out and left pending after limited testimony. HB 2468, dealing with public improvement district notice in real estate transactions, would let buyers terminate within seven days if required PID notice was not provided before contract execution; it drew no public testimony and was left pending. HB 4386, an annuity exchange and surrender process bill, was presented as a consumer-protection measure with deadlines and penalties for insurer delays; it received support from industry witnesses and was left pending. The committee then heard HB 4751, creating the Texas Quantum Initiative within the Governor’s Office to coordinate quantum research, workforce, industry partnerships, and possible future grant funding. Witnesses from universities and industry supported the bill, while several senators questioned whether a new state structure was necessary; the bill was left pending. HJR 175 proposed a constitutional amendment protecting Texans’ right to use mutually agreed forms of exchange, including cash, bullion, digital currency, or private script, and was discussed at length in the context of central bank digital currency and barter; it was left pending after testimony. HB 2221, updating insurance anti-rebating laws to allow wellness and value-added services, drew supportive testimony from the insurance industry and discussion about incentives versus monitoring; it was also left pending. Finally, the committee heard a series of utility wildfire and infrastructure bills: HB 106, requiring oil and gas operators to maintain certain electrical infrastructure near well sites; HB 144, requiring electric utilities to submit pole inspection and management plans to the PUC; and HB 145, requiring wildfire mitigation plans and allowing self-insurance under certain conditions. Utility, insurance, and cooperative witnesses generally supported the wildfire-related bills while asking for clarifications and less burdensome reporting, and the bills were left pending.

Transcript Highlights:

• But people who are the client have not, or are not the policyholder.
• It does, and obviously in that situation, you're just—this is a current policyholder because he filed
• The policyholder actually finds out, "Oh, I can do this," and then they decide if they want to do it
• most of our clients are Texas policyholders.
• When do policyholders usually receive a copy of the policy that they purchased?

Bills: HB139, HB1818, HB1942, HB1959, HB2221, HB2254, HB2563, HB2067, HB2275, HB3211, HB139

Keywords: HB 1818, Texas Insurance Code, Texas Department of Insurance, commissioner of insurance, health maintenance organization, HMO, insurer, utilization review, preauthorization, prior authorization, medical necessity review, health care services, medical care, insurance regulation, insurance examination, regulatory oversight, confidential records, public information exception, Chapter 843, Chapter 1301

Transcript Highlights:

• When this happens, the Minnesota Insurance Guarantee Association steps in to protect policyholders.
• This protects smaller policyholders, ensuring they'll have more opportunity to be made whole.
• To determine policyholders' net worth, the MNIGA requires them to return an affidavit with their relevant
• But if MNIGA can't determine that the policyholder is in that high net worth category, MNIGA is still
• This common-sense reform protects small policyholders and ensures the system works as intended.

Keywords: 1183, house

Transcript Highlights:

• Um, I just wanted to stress the importance of tackling transparency gaps for policyholders.
• Um, and one of the most common problems that I saw and we had to scramble on was policyholders racing
• It only provides policyholders the opportunity to provide the benefit of what they've already paid for
• One of the most common problems that I saw and we had to scramble on was policyholders racing against
• One of the most common problems that I saw and we had to scramble on was policyholders racing against

Keywords: 912, senate, all

Summary: The committee first took up a short-form administrative licensing measure requested by the administration to correct and clarify renewal provisions in a prior bill. Members raised no questions, and the committee voted to adopt the proposed Senate draft and recommit the bill back to the Commerce and Consumer Protection Committee for a further public hearing. The committee then heard SB 2876 on natural hair braiding, which would exempt natural hair braiders from licensing under certain conditions. The Board of Barbering and Cosmetology said it views hair braiding as within the broader scope of cosmetology, but agreed that people who only braid hair should not need a license because the training and exam requirements are minimal. The board warned, however, that exempting braiders could create consumer protection gaps involving sanitation, training, and enforcement, and noted that related services such as waxing, cutting, coloring, shampooing, and relaxing would still require licensure. Supporters included the Grassroot Institute of Hawaii and the Institute for Justice. The committee also heard SB 2950 on captive insurance and SB 2951 on insurance proceeds. On SB 2950, the Insurance Division opposed the bill, saying captive insurance is designed for formal self-insurance for companies and that allowing captives to insure the public would not fit the existing regulatory framework; a fire survivor advocate supported the measure as a way to expand disaster-related insurance options. On SB 2951, which would require mortgage servicers to follow certain rules for disbursing insurance proceeds after residential damage or destruction, United Policy Holders strongly supported the bill, citing delays in releasing funds and the need to help survivors rebuild, while banking and financial industry groups submitted opposition or comments. Finally, the committee heard SB 2952, SB 2960, and SB 2964, all related to property insurance and disaster recovery. SB 2952 and SB 2960 would extend the time policyholders have after a declared disaster to submit documentation and recover replacement cost value, with supporters arguing that rebuilding after major disasters takes far longer than standard policy deadlines allow and that the bills would improve consumer protection and transparency; the Insurance Division, the Insurance Council, and national insurance groups opposed the measures. SB 2964 would require annual disclosures of replacement cost value and coverage sufficiency; the Insurance Council opposed it as costly and unnecessary because policies already include inflation-related adjustments, while United Policy Holders and fire survivors supported it, saying many homeowners are underinsured and do not understand their coverage.

Transcript Highlights:

• In some ways, TWIA is an insurer-like voluntary care. with similar processes for signing up policyholders
• The first 500 million of public securities are backed by TWA policyholder premiums.
• steep increase in our reinsurance costs and the absence of rating increases, we do not expect policyholder
• There is a very real possibility that TWIA will have to impose a surcharge. on its policyholders for
• Our goal is to facilitate policyholders and applicants knowing. all of their options and that's one of

Keywords: 1184, house, all

Transcript Highlights:

• However, current law does not require insurers to disclose all of those documents to the policyholder
• In the aftermath of a disaster, policyholders depend on these prompt payment protections enforced by
• Isn't that a simple, basic thing that you would expect if you're a policyholder?
• But if this helps provide a more uniform experience for policyholders, that's a positive.
• Taking proactive steps to improve their practices and avoid future violations that harm policyholders

Keywords: 988, house, all

Transcript Highlights:

• for renewals and new policies, and that if an offer is within 20% for comparable coverage, the policyholder
• a private market offering before sending the policy to Citizens and increasing exposure on all policyholders
• So when is the last time Citizens had an assessment on the policyholders?
• Wickersham said, I believe, in 2015, there is that potential for assessment for Citizens and policyholders
• So to the extent we can do things responsibly... ...citizens and policyholders across the state.

Bills: S0032, S0068, S0210, S0246, S0340, S0418, S0428, S0606, S0628, S1028, S1734

Keywords: injunctions, protection orders, domestic violence, serious violence, court procedures, enforcement, risk protection, statewide communication system, pediatric care, emergency departments, hospital regulations, patient safety, health care standards, public records, violence protection, confidentiality, defamation, specialty license plate, specialty plates, motor vehicle registration

Summary: The Committee on Fiscal Policy met and reported a series of bills favorably, covering health care, public safety, insurance, coastal resilience, juvenile justice, drowning prevention, transportation designations, and beach management. Senator Harrell presented CS/SB 68, requiring hospitals with emergency departments to adopt pediatric emergency care policies, training, designated pediatric readiness personnel, and participation in a national readiness assessment; it passed. Harrell also presented CS/SB 340, requiring nursing students to complete two hours of human trafficking identification training before licensure; it also passed. Senator Sharif’s CS/SB 32 and SB 210, creating a new injunction for protection against serious violence by a known person and the related public records bill, were both reported favorably. Senator Garcia’s CS/CS/SB 302 on nature-based coastal resiliency, Senator Jones’s SB 418 on law enforcement interaction with individuals with autism and the Blue Envelope Program, and Senator Martin’s CS/SB 1734 updating juvenile probation and detention officer definitions and related cost-share language were also approved. The committee then took up several drowning-prevention measures. CS/SB 606 by Senator Smith would add drowning prevention and safe bathing education to postpartum materials and direct the Department of Health to create standardized materials; an amendment removed a records-retention requirement, and the bill passed. SB 428 by Senator Yarborough would expand the state swim lesson voucher program from children ages 0-4 to ages 1-7; it received strong support from advocates, including a young swim instructor and autism advocates, and passed. The committee also approved CS/SB 246, a specialty license plate bill that was amended to include the UFC plate and a First Responders’ Resiliency Foundation plate, and CS/SB 1028, which revises Citizens Property Insurance and clearinghouse procedures to prioritize admitted carriers and prohibit public funds for the clearinghouse; that bill drew discussion about market competition, Citizens’ exposure, and potential impacts on policyholders. Additional measures reported favorably included SB 628, designating a portion of South Navy Boulevard in Pensacola as Warrior Sacrifice Way to honor the sailors killed in the 2019 Naval Air Station Pensacola attack, and CS/SB 636 on beach management, which would create a proactive pathway for coastal communities to obtain erosion-related designations and align with federal programs. Beach industry testimony supported the bill’s intent but raised concerns about perpetual easements and funding shortfalls. At the end of the meeting, members recorded additional votes on selected bills, and the committee adjourned.

Transcript Highlights:

• It allows the insurers to collect the maintenance surcharges directly from policyholders.
• The appraisal clause protects both policyholders and insurance companies with transparency.
• Policyholders are simply trying to get their cars repaired correctly and safely.
• In those cases, policyholders are left with no other option but... ...hire a lawyer.
• Current law states that the insurer must issue a notice of non-renewal to the policyholder.

Bills: SB458, SB819, SB1238, SB1642, SB1643, SB1644, SB1791, SB1810, SB1824, SB1825, SB758, SB1455, SB1706

Keywords: insurance appraisal, property insurance, auto insurance, homeowners insurance, residential property, disputed loss, loss valuation, appraisal clause, appraiser, umpire, Texas Department of Insurance, TDI, insurance dispute resolution, claims adjustment, total loss, windstorm insurance, FAIR Plan, surplus lines insurance, policyholder, insurer