Video & Transcript Research : 'total loss'
Page 2 of 500
HI
Keywords:
HI House YouTube, https://www.youtube.com/watch?v=2E73KT01jz4, 2026-07-02T01:22:34+00:00, 2.2.24, Data collected via generic collector engine, The joint committees on Education will receive an update from the Department of Education on their plans to address the following:
· Summer Learning Opportunities
· Learning Loss
· School Re-opening Plans, 910, house, all, 2.2.42, 2.1.47
OK
Oklahoma 2026 Regular Session
Aeronautics and Transportation REVISED Apr 13th, 2026 at 10:00 am
Aeronautics and Transportation
Transcript Highlights:
- identified 14 locations where a school dwells school zone meets the requirements of this act for a total
- I thought it was going to be about $1000 worth of damage, and they totaled the car.
- I'm still not totally clear. I think I am on a report or the Damage and all that.
- our very folks that are supposed to be fixing our cars, and to this point, they might end up being totaled
Keywords:
outdoor advertising, transportation, state law, commercial activities, sign regulations, urban areas, turnpike, infrastructure, Oklahoma Turnpike Authority, construction, bridges, motor carriers, public safety, enforcement, Department of Public Safety, Oklahoma Corporation Commission, transition period, roadside investigation, motor vehicle laws, HB2979
LA
Louisiana 2026 Regular Session
Commerce May 20th, 2026
Commerce, Consumer Protection, and International Affairs
Transcript Highlights:
- We're talking about a totally different computer programming, as you want to call it, to get that on
- One of our primary concerns is the bill's use of the undefined term total price.
- unfair and deceptive practices at any point in a rental transaction and suffered actual pecuniary loss
- It's totally so you can track the flow of that month. I'm about $188,000 as of last month.
- So I totally appreciate that. I think a large part of the state is impacted by the situation.
Keywords:
economic development, rural communities, infrastructure, workforce training, Louisiana Economic Development, engineering, land surveying, construction, state fire marshal, plan review, hidden fees, junk fees, drip pricing, price transparency, mandatory fees, surcharges, consumer protection, unfair trade practices, advertising disclosures, total price
Summary:
The Senate Commerce Committee met on April 20, approved the prior meeting minutes, and then heard a series of bills and resolutions. It first advanced H. CR 66, which directs Louisiana Economic Development, working with the Governor’s Office of Rural Development, to study rural parish economic assets, infrastructure, workforce, and development opportunities. The committee also moved HB 387, a clarification allowing the fire marshal to review architectural and engineering plans equally, and HB 1223, which seeks to promote clinical trials in Louisiana by having LED market the state’s research capacity and by adjusting internal review board procedures. HB 1228, a cleanup bill for hearing aid dealers that updates definitions, contracts, testing periods, licensing, and related requirements, was also reported favorably, as was HB 950, which would create an elderly consumer perception program through the Office of Elderly Affairs to help seniors recognize scams and fraud.
The committee spent the most time on HB 617, a broad “hidden fees” consumer transparency bill. The author and supporters said it would require mandatory fees to be included in upfront pricing so consumers can make informed choices, while opponents from grocery, restaurant, hotel, housing, retail, and business groups argued the bill was vague, overly broad, and likely to create compliance burdens and litigation risk. Housing advocates objected to the bill’s housing exemption, warning it could weaken renters’ ability to bring claims over undisclosed fees. After extensive debate over variable pricing, sales taxes, enforcement, and the scope of the bill, Senator Morris moved to defer HB 617, and the committee agreed without objection.
The committee also heard HB 797, which would create a “Bayou Gold” certification program for certain gold vendors and transactional gold products. The sponsor said the program would encourage vendors to keep gold insured, segregated, and closer to Louisiana consumers, with the Treasury administering the certification through participant fees. Several senators and an outside witness raised concerns that the state seal could be mistaken for an endorsement, could create liability or consumer confusion, and would favor a narrow set of vendors. Despite opposition, the committee reported HB 797 favorably, with members noting it still had to go to Finance. Later, the committee advanced HB 1186, which would create a more uniform statewide building code and licensing system for inspectors, add disciplinary authority, and impose a small permit fee to support the program, and HB 1222, which would let LED develop a grocery initiative to address food deserts and food insecurity. The meeting concluded with the committee hearing HB 1256 on abandoned digital assets, which would require dormant digital assets to be held in original form for three years so owners can reclaim them.
HI
Keywords:
HB2583, Hawaii Micro-Lending Credit Enhancement Program, DBEDT, Department of Business, Economic Development, and Tourism, micro-loan, microloan, small business lending, small business financing, loan loss reserve, first-loss reserve, credit enhancement, partial guarantee, risk-sharing, community development financial institution, CDFI, working capital, inventory financing, equipment financing, leasehold improvements, startup loans
Summary:
The joint Ways and Means and Consumer Protection meeting was a decision-making session on a series of House bills, with no oral testimony taken. The committees first acted on HB 2583, recommending passage on amended, and HB 1591, recommending passage with amendments related to health care. They also recommended passage on amended for HB 1749 on cesspools and HB 2423 on biodiesel, with each recommendation adopted by the members present.
The committees then considered a second agenda block that included HB 2080, HB 1520, HB 1576, HB 1711, HB 1785, HB 1802, HB 1838, HB 1842, HB 1853, HB 1976, HB 2104, HB 2218, HB 2246, HB 2270, HB 2289, HB 2361, HB 2551, and HB 2606. Most were recommended for passage unamended and adopted without objection. HB 1520 was deferred because the Senate bill had already crossed over. HB 1711 was amended to replace the option period established by the corporation with a period of up to 10 years. HB 2289 was amended to remove repeal of a ceiling and set a $1 million expenditure ceiling for the automated victim information and notification system special fund.
Several members noted reservations on HB 1842, which involved transfer of the Westridge parcel near a rail station; concerns were raised about the property’s value, the long-term lease status, and whether the city would actually accept or pursue the transfer. HB 1853 was passed unamended, with the committee noting the Lions Association had suggestions that could be addressed later in conference. HB 2218 was passed unamended while adopting DLNR testimony to clarify collaboration with community groups in stewarding public lands and recreational areas. In each case, the stated recommendations were adopted, often with members voting no with reservation rather than in opposition.
MN
Minnesota 2025-2026 Regular Session
House Commerce Finance and Policy Committee 4/15/26
Commerce Finance and Policy
Transcript Highlights:
- I’ve seen instances in which insurers are paying policy limits on a total loss.
- I had an individual tell me a story that a full $700,000 house that was a total loss, they had gone out
- method of resolving these losses.
- than we treat a fire loss.
- Appraisal does not create new losses; it resolves disagreements about losses that already exist.
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
FL
Florida 2026 Regular Session
Children, Families, and Elder Affairs Jan 12th, 2026
Children, Families, and Elder Affairs
Transcript Highlights:
- So, totally voluntary.
- So, totally voluntary.
- And since then, my family has experienced tremendous loss with two of my uncles.
- The model projects a total need of $1.4 billion, but the model then applies the need to the total legislative
- We have children medical cases, several of which you've heard in this room, that would totally be out
Keywords:
child protection, medical records, investigation, abuse, neglect, healthcare, Child Protection Team, diagnosis, Alzheimer's disease, Alzheimers, dementia, related dementias, brain health, early detection, caregiver support, elderly affairs, Department of Elderly Affairs, Department of Health, public health outreach, memory loss
Summary:
The committee met with a quorum and first heard SB 624, which would codify DCF’s current practice of allowing batterers intervention programs to offer supplemental faith-based activities so long as participation is voluntary. The bill drew support from faith-based and family organizations, which argued it would restore access to effective rehabilitation options and remove discriminatory barriers. SB 624 was reported favorably after a roll call vote.
The committee then heard SB 42, which would require child protective investigators and child protection teams to rely on qualified medical professionals when a child has a documented pre-existing diagnosis or when a parent requests an exam, and would require clearer notice to parents and custodians at the start of an investigation. Testimony overwhelmingly came from parents, advocates, and disability rights representatives describing cases in which medically complex children were allegedly misdiagnosed as abuse victims and families were separated unnecessarily. Members expressed sympathy and support, and SB 42 was reported favorably.
Next, the committee considered CS/SB 578, creating an Alzheimer’s disease awareness initiative within the Department of Elder Affairs to promote early detection, brain health education, research updates, and clinical trial awareness, with outreach focused on older adults and at-risk populations. An amendment was adopted to place the campaign within the Alzheimer’s Disease Initiative. A caregiver testified about the need for public education and early diagnosis, and the bill was reported favorably.
The committee also took up SPB 7018, a committee bill on child welfare that would extend the definition of “visitor” for foster homes to reduce repeated background checks, make the Step Into Success foster youth workforce pilot permanent and statewide, and create a program through the Florida Institute for Child Welfare to catalog best practices among community-based care lead agencies. The bill was approved as a committee bill and reported favorably. Finally, the Department of Children and Families presented its 2025-26 final funding methodology and rates report for community-based care. Members questioned the proposed tiered model, including insurance costs, risk corridors, prevention funding, performance measures, and regional funding disparities. No vote was taken on the presentation, but members discussed the possible need for follow-up legislation and additional stakeholder input.
TX
Transcript Highlights:
- With that, the total insurance cost was going to be $168,000.
- That could result in hair loss, right? It may not cause that in another person.
- Do you know if that would result in hair loss for him as a result?
- From the beginning or total? Thank you. Thank you, sir.
- No, I totally agree. I appreciate it. Thank you. Okay, any other questions? Questions? OK.
Bills:
HB778, HB 1266, HB1576, HB2213, HB2517, HB2518, HB2841, HB3306, HB3320, HB3388, HB3508, HB3520, HB3689
Keywords:
credentialing, healthcare, physician assistants, advanced practice nurses, managed care, hurricane, windstorm, loss mitigation, grants, insurance discounts, property retrofitting, insurance, Texas Windstorm Insurance Association, board composition, coastal counties, property insurance, taxation, Texas FAIR Plan Association, premium taxes, maintenance taxes
TX
Transcript Highlights:
- We pay them, even though we're also paying our own losses in the private sector after a storm.
- The losses may be higher in the event of a storm.
- I totally appreciate the bill. I appreciate Chairman Hunter.
- The only way to stabilize the property insurance market is to stop the losses.
- Statement two: This is because Texas has high projected losses in homeowners insurance.
Bills:
HB778, HB 1266, HB1576, HB2213, HB2517, HB2518, HB2841, HB3306, HB3320, HB3388, HB3508, HB3520, HB3689
Keywords:
credentialing, healthcare, physician assistants, advanced practice nurses, managed care, hurricane, windstorm, loss mitigation, grants, insurance discounts, property retrofitting, insurance, Texas Windstorm Insurance Association, board composition, coastal counties, property insurance, taxation, Texas FAIR Plan Association, premium taxes, maintenance taxes
TX
Transcript Highlights:
- So we're going to avoid, uh, through that effort, a total of 6 different permits that were, uh, either
- , uh, in, in your usage of it, and I mean I think there's different standards for dilapidated, but loss
Keywords:
water audit, water loss, water loss mitigation plan, municipally owned utility, municipal utility, water conservation, Texas Water Development Board, TCEQ, Texas Commission on Environmental Quality, water leakage, leak detection, billing data accuracy, utility validation, water audit validation, water scarcity, water management, infrastructure, public utility, conservation plan, administrative penalty
TX
Transcript Highlights:
- loss.
- And so the loss...
- from inaccurate customer meters are going to be a reduction in that total loss.
- Their water loss so they are requiring.
- those losses.
Keywords:
water audit, water loss, water loss mitigation plan, municipally owned utility, municipal utility, water conservation, Texas Water Development Board, TCEQ, Texas Commission on Environmental Quality, water leakage, leak detection, billing data accuracy, utility validation, water audit validation, water scarcity, water management, infrastructure, public utility, conservation plan, administrative penalty
TX
Transcript Highlights:
- So we're going to avoid, through that effort, a total of six different permits that were either already
- I mean, I think there are different standards for what is considered dilapidated, but loss of service
Keywords:
water audit, water loss, water loss mitigation plan, municipally owned utility, municipal utility, water conservation, Texas Water Development Board, TCEQ, Texas Commission on Environmental Quality, water leakage, leak detection, billing data accuracy, utility validation, water audit validation, water scarcity, water management, infrastructure, public utility, conservation plan, administrative penalty
AL
Alabama 2025 Regular Session
Alabama House Commerce and Small Business Committee Apr 23rd, 2025
Commerce and Small Business
Keywords:
internet filtering, child protection, obscene content, civil liability, manufacturers, real estate, licensing, brokerage agreements, team structure, penalties, consumer protection, residential construction, architect approval, building regulations, engineering, single family homes, invisible disability, distinctive license plate, specialty plate, motor vehicle registration
NM
Transcript Highlights:
- And that's the loss of veteran commissioners' highly valuable institutional knowledge, the gratuitous
- I think it makes total sense. You want to have this happen quickly.
- I think it makes total sense. So one more thing: I was just told this is an important note.
- That process has now essentially been totally absorbed by LFC.
- That is now, that process has now essentially been totally absorbed by LFC.
Keywords:
wildlife commission, removal procedures, malfeasance, appointed officials, governance, education reform, public education, state board of education, superintendent, chartering authority, constitutional amendment, policy setting, insects, insect workshop, insect identification, ecology, monitoring, management, pollinators, pollination
KY
Kentucky 2025 Regular Session
Public Pension Oversight Board (12-12-25) - Part 2 Reupload
Transcript Highlights:
- One K9 dog total seven. Three officers and a K9 dog was killed. Um, that was a long night.
- <00:04:16.239>
One <00:04:16.479>K9 <00:04:16.959>dog <00:04:17.440>total - One K9 dog total six officers were shot.
- One K9 dog total seven.<00:04:19.120>
Three <00:04:19.440>officers <00:04:19.840>and - it's a fraction of what could be extended across Kentucky at this time. available, which is only a total
Keywords:
Reuploaded to restore a few minutes lost at the end of the meeting
Representative Tackett-Lafferty: 00:22
• Line of Duty Disability Benefits
Representative Grossberg: 26:32
• Loss of TRS Credit Due to Religious Holiday Observance
Representative Blanton: 32:01
• Educational Contracts and Membership Dates in KERS
Representative Tipton and Representative Blanton: 40:55
• Apply SB 10 Changes from 2025 to KERS/SPRS
Senator Higdon: 46:08
• PPOB Reporting on Line of Duty Benefits
• TRS Annual Leave Impact on TRS
• PPOB Membership
• Use of Sick Leave for Religious Holidays
Adjournment: 56:03, 958, all
Summary:
The committee heard testimony from Rep. Ashley Tackett Laferty on a bill to extend minimum line-of-duty hazardous duty retirement benefits to certain CERS and KERS non-hazardous members who are injured in the line of duty and cannot return to that work. She used a video and examples from Eastern Kentucky first responders, including a deputy who lost a leg and an emergency management director who lost an eye, to argue that some injured officers and responders fall through the cracks because their employers did not elect hazardous-duty coverage. She said the proposal would provide 25% of pay to the disabled officer, plus 10% for dependent children and minimal health benefits, and noted estimated actuarial costs of about $2.9 million for CERS and $0.542 million for KERS, funded through small employer-rate increases.
Members asked how far back the bill would reach, how many people might qualify, and whether the benefit would apply only to active employees or also to past injuries. Laferty said the bill would include a five-year window for recent situations and could potentially cover a total of 3,333 positions statewide that could be certified as hazardous, though benefits would only apply if the person was injured in the line of duty and disabled from returning to that work. Questions also focused on whether a non-hazardous employee could qualify if injured in a hazardous situation; Laferty said yes, if the position could be certified as hazardous, but only for the bill’s minimum benefits. Rep. Josh Calloway and others noted that local governments choose whether to pay the higher hazardous-duty contribution rates, which they said often drives the coverage decision.
The committee then heard Rep. Daniel Gberg present a separate bill revising school leave rules so teachers and school employees may use accumulated sick leave to observe religious holidays not on the school calendar, with a required personal statement and advance notice. He said the change would address a longstanding inconsistency for teachers who observe non-Christian holidays and currently may have to choose between unpaid leave or improperly using sick days, and he said prior concerns about retirement service credit and maternity leave were reduced by other policy changes. The discussion ended without a vote, with members indicating they had the relevant materials and that the bill would be revisited later.
KY
Kentucky 2025 Regular Session
Interim Joint Committee on Banking and Insurance (9-16-25)
Transcript Highlights:
- And but here's the loss. Here's the loss.
- and four were growing in total assets. and four were growing in total assets.
- This starts with the claim cost impact, and then uses the loss ratio, the average loss ratio, to get
- annual impact. average loss ratio to get to a premium average loss ratio to get to a premium for<00:
- percentage basis and then use the loss percentage basis and then use the loss ratio<00:43:02.160
Keywords:
Meeting Start 00:00:00
Call to Order and Roll Call 00:00:23
Kentucky Bankers Association 00:02:32
How to Read and Understand KRS 6.948 Health Mandate and Federal Cost Defrayal Impact Statements 00:25:40
Proposed Amendments to Kentucky's Essential Health Benefit-Benchmark Plan 00:50:18
Proposed Health Insurance Legislation for the 2026 Session 01:04:22
Reimbursement for Covered Benefits Delivered Through the Psychiatric Collaborative Care Model 01:01:46
Coverage of Eating or Feeding Disorders 01:18:47
Coverage of Hearing Loss 01:25:31, 958, all
Summary:
The Interim Joint Committee on Banking and Insurance met for its first interim meeting, established a quorum, approved routine opening items, and welcomed a new committee assistant and a legislative intern. The committee first heard a Kentucky Bankers Association presentation from Tim Shank and John Cooper focused on the state’s housing shortage, which they described as affecting all 120 counties and especially low- and moderate-income and workforce housing. They urged support for a proposed $20 million banker-backed revolving fund, paired with tax credits, to finance new housing construction; they said the program would be flexible, could support alternatives such as manufactured housing, and would use below-market loans with tax credits vesting over five years only after units are completed. They also asked for extension of the historical tax credit carryforward from five to seven years and for continued support of new market tax credits, arguing that supply-chain delays make the longer period necessary for historic rehabilitation projects.
The bankers also raised concerns about credit unions, arguing that because credit unions do not pay the same taxes as banks, they should not be allowed to acquire healthy state-chartered banks or hold state and local deposits. They cited the recent purchase of First State Bank of Middlesborough as an example, saying the transaction would reduce state, county, and city tax revenue and weaken local tax bases. In response to committee questions, the presenters said local regulations, zoning, parking, sidewalk, and utility easement issues can significantly delay housing projects, and they emphasized that state policy and infrastructure support are needed to help address affordability and development barriers.
The committee then shifted to a Department of Insurance presentation by Commissioner Sharon Clark on how to read KRS 6.948 health mandate and federal cost defrayal impact statements. Clark explained that the mandate statements were created in 1998 so legislators would have actuarial estimates of how proposed health insurance mandates would affect administrative costs, premiums, and total costs, and she noted that later legislation added federal cost-defrayal analysis. She also reviewed the background of the Affordable Care Act’s essential health benefits framework and said the department’s statements are intended to help lawmakers make informed decisions on proposed health coverage mandates. No votes or formal actions were taken during the portion of the meeting provided.
LA
Transcript Highlights:
- It deals with a very important topic: weight loss drugs and the ability for LDH to expand coverage, as
- I think that is totally awesome because for so many men, we seem to be forgotten as it relates to being
- I think that is totally awesome because for so many men, we seem to be forgotten as it relates to being
- Birth, pregnancy loss, adoption, and foster placement.
- requires OGB to notify enrollees of available options for direct purchasing of FDA-approved weight loss
Keywords:
registrar of voters, parish registrar, chief deputy registrar, confidential assistant, election administration, elections, salary schedule, compensation, merit evaluation, population-based pay, census-based pay, Department of State, Secretary of State, State Board of Election Supervisors, redistricting, senate districts, Senate District 33, Senate District 34, Senate District 35, precincts
FL
Florida 2026 Regular Session
Governmental Oversight and Accountability Jan 20th, 2026
Governmental Oversight and Accountability
Transcript Highlights:
- We may not be physically seen, but we hear every scream, every plea, every moment of loss.
Keywords:
mental health, first responders, employment benefits, 911 telecommunicators, nervous injuries, retirement, elected officials, Deferred Retirement Option Program, DROP, cost-of-living adjustment, trade secret, public records exemption, public meetings exemption, open government, sunset review, agency confidentiality, proprietary business information, proprietary confidential business information, confidential records, Florida public records law
Summary:
The Committee on Governmental Oversight and Accountability met and first heard Senate Bill 774, which would extend workers’ compensation medical benefits for employment-related mental or nervous injuries to 911 public safety telecommunicators, even without a physical injury. The sponsor and several dispatchers, a clinician, and communications directors testified in support, describing repeated exposure to traumatic calls, chronic understaffing, and the need for mental health treatment and retention support. Senator DiCeglie and Chair Mayfield praised dispatchers’ work, and the bill was reported favorably by committee vote, with Senator McClain later recorded as voting yes on the bill.
The committee then took up SPB 7028, a retirement bill that sets Florida Retirement System employer contribution rates beginning July 1, 2026, leaves the 3% employee contribution unchanged, allows certain elected officers to receive a DROP payout under specified conditions, and provides a 1.5% alternative cost-of-living adjustment for eligible special risk retirees. Firefighters, police, sheriffs, and chiefs’ groups spoke in support, emphasizing recruitment and retention. The committee voted to submit the proposal as a committee bill and reported it favorably.
Finally, the committee considered SPB 7024 and SPB 7026, both open-government-related bills. SPB 7024 would repeal the current public records and public meeting exemption for cybersecurity information and consolidate agency-specific cybersecurity exemptions into one agency-wide exemption. SPB 7026 would repeal the current public records exemption for trade secrets held by an agency and similarly consolidate specific trade secret exemptions into one agency-wide exemption. Neither bill drew testimony or debate, and both were submitted as committee bills and reported favorably. The meeting then adjourned.
MN
Minnesota 2025-2026 Regular Session
House Health Finance and Policy Committee 3/17/25
Health Finance and Policy
Transcript Highlights:
- <00:52:09.240>
that for the for the medical losses that for the for the medical losses that - The individual market’s largest insurer, covering 103,000 Minnesotans, about 40% of the state’s total
- market, was forced to leave due to ongoing financial losses, and enrollment caps were instituted to
- The individual market’s largest insurer, covering 103,000 Minnesotans, about 40% of the state’s total
- market, was forced to leave due to ongoing financial losses, and enrollment caps were instituted to
Keywords:
health insurance, premium security plan, federal funding, state innovation waiver, Minnesota, newborn safety, anonymity, healthcare provider, safe place, child welfare, HF499, nursing, nurse licensure, temporary permit, temporary nursing permit, Board of Nursing, endorsement licensure, reregistration, refresher course, health occupations
TX
Texas 89th Regular
Pensions, Investments & Financial Services Mar 31st, 2025
Pensions, Investments & Financial Services
Transcript Highlights:
- The origin of this is that that was their total income in the beginning. So it's sort of a whole.
- The total amount of loss prevented or recovered is nearly $274 million.
- Our formula has prevented or recovered, as of today, just short of $300 million in losses.
- the victim before they ever left the store, for billions—and I say billions with a B—of dollars in loss
Keywords:
gift card fraud, counterfeit gift card, gift card tampering, gift card theft, prepaid card, stored value card, retail fraud, financial crimes, consumer protection, organized retail crime, gift card skimming, magnetic stripe, chip card, redemption information, gift card packaging, Penal Code, felony theft, state jail felony, third-degree felony, second-degree felony
MN
Minnesota 2025-2026 Regular Session
House Judiciary Finance and Civil Law Committee 3/13/25
Judiciary Finance and Civil Law
Transcript Highlights:
- so that lenders can design a process around loss mitigation and loan modifications, which has become
- as Miss Daly uh mentioned and the loss as Miss Daly uh mentioned and the loss mitigation<00:12:12.680
- <00:12:18.480>
mitigation design a process around loss mitigation design a process around - um this loss mitigation uh process<00:17:38.840>
and <00:17:39.160>what <00:17:39.400>< - trying to do here but I would be totally trying to do here but I would be totally interested<00:
Keywords:
mortgage foreclosure, redemption, foreclosure surplus, sheriff's sale, junior lienholder, mortgagor, homeowner protections, loss mitigation, dual tracking, foreclosure redemption period, certificate of redemption, certificate of sale, sheriff, county recorder, registrar of titles, homeownership center, lien priority, real property, foreclosure by advertisement, surplus funds