Transcript Highlights:

• But what we also know is that this one-size-fits-all government-run program is not ready to launch, and
• We've got to get serious about this bill that is set to launch in January of 2026, which, by the way,
• I have been reaching over to say, can we have a conversation about this major bill that is yet to launch
• I have been reaching over to say, can we have a conversation about this major bill that is yet to launch
• Can we have a conversation about this major bill that is yet to launch?

Transcript Highlights:

• And then in my capacity as executive director of PCA, I just want to say that we have launched a program
• This is newly launched, and we have just started a couple of the first certifications.
• This is newly launched, and we have just started a couple of the first certifications.
• This is newly launched, and we have just started a couple of the first certifications.
• This is newly launched, and we have just started a couple of the first certifications.

Summary: The Oklahoma Medical Marijuana Authority advisory council met for its first public comment session, approved the November 21, 2025 minutes, and heard extensive comments from patients, industry members, and advocates. Public testimony focused on concerns about proposed legislative changes, including potency limits, tax increases, grow-license caps, reclamation bonds, hemp-derived cannabinoids, and bills affecting employee credentialing and edible definitions. Commenters also raised transparency concerns about the council’s composition, OMMA’s “secret shopper” program, access to records, and the need for more patient, processor, lab, and small-business representation. OMMA leadership gave agency updates, reporting that the medical portal had improved after earlier problems and that turnaround times were now about 36 days for commercial renewals, same day for credentials and transport agents, and eight days for patients. The agency also said it had added an administrative actions tab to its website, was moving forward with QA lab accreditation, and was working more closely with law enforcement on hemp-derived cannabinoid enforcement. The new Chief Science Officer reported accreditation progress for the QA lab, completion of several validation processes, 12 lab cases filed for 2024-2025 inspections, and one lab license revoked for noncompliance. Legislative staff reviewed bills moving through the session, including measures extending a moratorium, capping commercial grow licenses at 2,550, repealing the grow bond and adding a reclamation fee, and limiting THC in certain products, though one THC-cap bill had been amended into an advertising bill. Council discussion centered on proposed 10 mg per serving and 100 mg per package limits, with members arguing those limits could harm patients who need individualized dosing and create business disruptions. Members also discussed the need for better scientific testing methods, more timely inspection reports, and clearer guidance on license transfers. A major portion of the meeting addressed coordination between OMMA and OBNDD on enforcement against illegal or “gas station” cannabis products and bad actors. OBNDD explained its role in criminal enforcement, the use of search warrants and emergency suspensions, and how OMMA license revocations automatically affect OBN registrations. OMMA said it is now receiving more regular information from OBNDD and using that data to shut down licenses more quickly. The council also discussed whether public-facing license information should be redacted for safety, and the meeting ended with a motion to adjourn, which passed.

Transcript Highlights:

• And as we launch these programs, we have to keep in mind that we're preparing for the future and not
• What you will see is that we're launching innovative training programs.
• What you will see is we're launching new programs.
• That gave us the ability to launch a vision that we had for an Academy of Science and Technology, a high
• In our area, we looked around and there were no other providers, so we launched this program.

Committee: Senate Appropriations Committee on Higher Education

Summary: The Appropriations Committee on Higher Education received an overview of Florida’s career and technical education (CTE) system from Chancellor Kevin O’Farrell, who described the state’s CTE pathways, program types, enrollment and completion growth, quality audit metrics, and the Master Credentials List used to identify credentials of value. He highlighted record postsecondary CTE enrollment and completions, strong statewide performance in talent attraction, and several funding tools supporting expansion, including Open Door, the Florida First Responder Scholarship, Workforce Development Capitalization grants, Perkins funding, CAPE performance incentives, and apprenticeship grants. Senators asked about eligibility for Open Door and first responder aid, top industry certifications, and the teacher apprenticeship initiative. A panel of college and technical school leaders then described how state and federal funding has supported local program growth and facility expansion. Santa Fe College, Palm Beach State College, North Florida Technical College, Lake Technical College, Florida Gateway College, and Manatee Technical College each cited increases in enrollment, high placement or licensure pass rates, and new or expanded programs in nursing, welding, CDL, automotive, manufacturing, public safety, and apprenticeship. Several speakers emphasized partnerships with hospitals, employers, school districts, and local governments, and noted that grants helped fund equipment, renovations, and new training hubs. Palm Beach State also raised a request to broaden line funding beyond nursing to other health science fields, and multiple presenters asked for more flexibility, multi-year support, and continued or increased funding to sustain growth. Members discussed broader challenges, including the difficulty of sustaining grant-funded growth after initial awards, the lag between enrollment growth and funding formulas, and alignment problems for dual enrollment and technical programs with high school schedules. Senators also noted the need to balance support for high-demand core programs like nursing and welding with the ability to respond quickly to emerging industries such as AI and space. The meeting ended with no formal action beyond adjournment after Senator Davis moved to adjourn.

Transcript Highlights:

• It launched in 2014.
• And as... ...we're starting to launch CA Rise 2.0. We're doing discovery days across the state.
• As we launch CA Rise 2.0, we'll be sure to invite you and welcome you to that launch, and we'll be happy
• They might launch next year.
• To provide a quick review, the Cal Competes Tax Credit first launched in 2014.

Summary: The subcommittee heard an informational update from the Governor’s Office of Business and Economic Development on the state’s Jobs First economic development strategy and related budget requests. Go-Biz described its regional planning process, priority sectors such as ag-tech, space defense, life sciences, and semiconductors, and requests including an extension of the CalCompetes tax credit, support for export promotion, additional film commission staff, innovation and emerging technology capacity, and a California brand campaign. Members questioned the campaign’s purpose, with some supporting efforts to counter misinformation about California and others warning it should not obscure regulatory and business-climate concerns. Go-Biz said the campaign would be nationally focused, could include business attraction efforts, and was intended to complement—not replace—policy work on permitting and workforce development. The item was informational only. The committee then heard from the California Office of the Small Business Advocate on the California RISE program, the Performing Arts Equitable Payroll Fund, and the Technical Assistance Program/Capital Infusion Program. CalOSBA reported that California RISE’s first round awarded $16.9 million to 61 employment social enterprises, which collectively increased revenue, secured contracts, and employed thousands of people facing barriers to work; a second round is being launched with a new administrator and expanded services. For the performing arts payroll fund, the office said all 100 awardees had been paid, but demand far exceeded available funding, and the program was oversubscribed within days. California for the Arts testified that the sector remains fragile after COVID and urged statutory changes to simplify eligibility and stretch dollars further. SBDC representatives described TAP/SIP as a statewide network supporting small businesses, capital access, and disaster recovery, emphasizing their role in underserved communities and the leverage of federal matching funds. Committee members focused on whether these programs produce durable outcomes and reach smaller or disadvantaged businesses. Questions centered on long-term job retention in California RISE, outreach to ethnic and community media in the civic media program, and whether TAP/SIP are accessible to entrepreneurs with limited capital or capacity. CalOSBA and its partners said they rely heavily on local community organizations for outreach, provide one-on-one counseling and training, and are working to collect more longitudinal data. The committee also discussed the film and television tax credit program, for which Go-Biz requested funding for three permanent positions and ongoing program support. Film Commission staff said the expanded program is tracking demographic and career-pathway data, with most productions opting into new diversity provisions, and that a formal report to the Legislature is expected in 2027. The item concluded without a vote, as the hearing was for oversight and budget discussion.

Transcript Highlights:

• It launched in 2014.
• And as the deputy director said, we're starting to launch CA Rise 2.0.
• As we launch CA Rise 2.0, we'll be sure to invite you and welcome you to that launch, and we'll be happy
• They might launch next year.
• To provide a quick review, the Cal Competes Tax Credit first launched in 2014.

Summary: The subcommittee heard an overview from Go-Biz Director D.D. Myers on the administration’s economic development strategy, centered on the California Jobs First framework. Myers described regional planning across 13 regions, the Jobs First Council, and pilot sectors including ag-tech, space and defense, life sciences, and semiconductors. She also outlined budget requests for CalCompetes, CalExport, the California Film Commission, innovation/emerging technologies, and the California Civic Media Fund, along with the new California brand campaign. Committee members raised questions about misinformation about California, regulatory burdens, tourism versus broader economic messaging, and how the brand campaign would highlight underrepresented communities. No vote was taken; the item was informational. The committee then reviewed CalOSBA’s work on small business support, including California RISE, the Performing Arts Equitable Payroll Fund, and TAP/SIP technical assistance and capital infusion programs. CalOSBA reported that California RISE’s first cohort awarded $16.9 million to 61 employment social enterprises, with growth in revenue, contracts, and jobs; the performing arts payroll fund paid all 100 recipients but was heavily oversubscribed; and TAP supported more than 112,000 businesses in the past year, helping leverage federal and local funds. Testimony from program partners emphasized the importance of small business counseling, community-based outreach, and support for arts organizations facing post-pandemic and AB 5-related cost pressures. Senators pressed for more data on long-term job retention, better outreach to smaller and ethnic media, and possible program changes to speed grants and stretch funding further. Finally, the committee heard Go-Biz’s request for additional staff and funding for the California Film and Television Tax Credit Program. Staff said the request would support application review, DEIA implementation, and data tracking. The Film Commission reported that about 147 productions had been approved and roughly 90% were opting into the new diversity provisions, with career pathways reporting to include demographic and participation data and a future report expected in 2027. Senators asked about accountability, apprenticeship and internship hours, and whether the program was producing real career pathways and inclusive hiring outcomes. The item remained informational, with no vote or action taken during the hearing.

Transcript Highlights:

• </c><00:42:57.520><c> because</c> uh irrelevant to our launch because uh irrelevant to our launch because
• He said he has been fortunate over the past few years to help hundreds of entrepreneurs launch their
• However, in the past 12 months, both new and well-established beverage brands are choosing to launch
• </c><01:02:54.400><c> their</c> choosing to foro launching their choosing to foro launching their products
• in a new majority of brands or launch in a new market<01:03:37.240><c> without</c><01:03:37.520><c>

Bills: HF1672 , HF1877 , HF1735 , HF1734 , HF1271 , HF1634 , HF1615

Committee: House Commerce Finance and Policy

Transcript Highlights:

• ones, their allies, their advocates, the agencies, and our many relationships, we are looking to launch
• with all of you, is really a I'm so pleased to launch with all of you is to expand and to complement
• We don't have a launch date, but would love your input.
• But your leadership is going to be very much needed to launch this in a successful way.
• And because I need to launch these meeting-of-the-moment meetings, they will need to happen as soon as

Summary: The Massachusetts Permanent Commission on the Status of Persons with Disabilities held its quarterly meeting virtually and in person at the State House. The commission approved the March minutes and elected its officers by unanimous roll call vote: Denise Garlick as chair, Chris White as vice chair, Carl Richardson as treasurer, and Osmondahar as secretary. The meeting also welcomed several new commissioners, including Rep. Jay Livingstone, Rep. Vanna Howard, Rep. Lindsay Sabadosa, Rep. John Marzi, and Leo Sarkisian, with brief introductions from the new legislative members. A substantial portion of the meeting focused on the commission’s current work and the broader policy environment affecting people with disabilities. Commissioners and subcommittee leaders raised concerns about federal threats to Medicaid/MassHealth, Section 504 accessibility protections, DEI-related rollbacks, immigration policy impacts on the direct care workforce, and the loss of funding for youth employment and vocational rehabilitation programs. Members also discussed ableist language in public discourse and the need for stronger advocacy and communication in response to these developments. Subcommittee reports highlighted recent activity on disability employment, workforce supports, and long-term services and supports/health equity. Presentations included veterans with disabilities, employment programming for young adults with disabilities, immigration and labor protections, MassHealth’s PCA working group, and a health equity roundtable. The commission also discussed future plans to create an advisory board, develop successor and mentoring planning, and launch regional “meeting the moment” listening sessions across the Commonwealth to strengthen outreach and leadership development. The meeting ended with an open invitation for commissioners to share urgent information with staff for broader distribution and a unanimous motion to adjourn.

Transcript Highlights:

• WHAT YOU WILL SEE IS THAT WE ARE LAUNCHING INNOVATIVE TRAINING PROGRAMS.
• WE ARE LAUNCHING NEW PROGRAMS.
• YOU LAUNCH THE EXPANSION OF REGISTERED APPRENTICESHIPS, PRE-APPRENTICESHIPS, AND ERAP GRANTS.
• THAT GAVE US OF THE ABILITY TO LAUNCH THE VISION THAT WE HAD FOR AN ACADEMY OF SCIENCE AND TECHNOLOGY
• WE LAUNCHED THIS THAT THERE WERE 64 COMPLETERS EMPLOYED.

Transcript Highlights:

• In 2025, we were able to launch our $1.9 billion access reform and outcomes incentive program.
• In 2025, we were able to launch our $1.9 billion access reform and outcomes incentive program.
• Finally, we anticipate launching our activity funds initiative by July as well.
• Rounds three was launch ready, four was children, and then five was crisis.
• That's a 57% increase since its launch.

Summary: The subcommittee heard presentations from the Department of State Hospitals (DSH), the Commission for Behavioral Health, and the Department of Health Care Services (DHCS) on budget proposals and implementation updates. DSH outlined its proposed 2026-27 budget, including funding for patient operating expenses, IST solutions savings, conditional release program costs, LPS bed allocation changes, electrical infrastructure projects at Napa and Patton, SB 380 transitional housing feasibility work, and expanded dental services at Metropolitan and Patton. DSH also reported that it has met court-ordered IST treatment benchmarks in the Stiavedi v. Clinton case, with average time to initiate treatment down to about five days and pending placements reduced to roughly 250, while noting that Proposition 36 could increase referrals and SB 1323 may divert some individuals earlier into community-based treatment. Members asked about rising outside hospitalization costs, Medicare enrollment, the timing and structure of capital projects, and whether IST solution funds are being fully used; DSH said the savings reflect slower-than-expected ramp-up of community programs and that the Central California FACT replacement program is still on track for January 2027 activation. The Commission for Behavioral Health described its role under the Behavioral Health Services Act (BHSA), including data, evaluation, grantmaking, technical assistance, and transparency work. It highlighted the new statewide Innovation Partnership Fund, a five-year, $20 million-per-year program with small and large grant categories; the first RFA drew strong interest, with more than 400 questions and over 1,000 bidders’ conference participants. The Commission also discussed a proposed extension to spend down about $4.1 million remaining for the Alcove Youth Drop-in Center grants so sites can finish implementation and Stanford can complete the final evaluation. Members asked about grant duration, whether projects can be renewed, what qualifies as innovation, and whether the fund could support service delivery rather than awareness campaigns or training; the Commission said awards are expected to be three-year contracts and that proposals must be new or meaningfully expanded approaches that support BHSA priority populations. DHCS reviewed major behavioral health changes under CalAIM and BH Connect, including peer support, mobile crisis, contingency management, traditional health care practices for tribal members, updated specialty mental health access criteria, and new substance use treatment standards based on ASAM’s fourth edition. DHCS reported strong contingency management results, with more than 13,000 members served and 95% testing negative for stimulant use during treatment, and said 21 Indian health care providers have been approved to offer traditional health care practices. It also described BH Connect initiatives such as the $1.9 billion access reform and outcomes incentive program, workforce investments, evidence-based practice expansion, IMD participation by four counties, and transitional rent services. On BHSA implementation, DHCS said it is not tracking individual county contract cuts but is monitoring county plans and statewide outcomes, while stakeholders raised concerns about local prevention and service gaps. DHCS also outlined its H.R. 1 implementation strategy, including outreach, streamlined renewals, exemptions for disabled, substance use, and medically frail individuals, and proposed clinic navigator and outreach funding; it said it has not yet produced a focused estimate of H.R. 1 impacts on behavioral health populations. The discussion ended with DHCS noting that B-CHIP bond funding has supported 437 infrastructure projects, creating 546 new or expanded facilities and more than 9,500 residential beds across the state.

Transcript Highlights:

• In 2025, we were able to launch our $1.9 billion access reform and outcomes incentive program.
• In 2025, we were able to launch our $1.9 billion access reform and outcomes incentive program.
• Finally, we anticipate launching our activity funds initiative by July as well.
• Rounds three was launch ready, four was children, and then five was crisis.
• That's a 57% increase since its launch.

Transcript Highlights:

• This is why in June we launched a program specifically for state and local governments using credits
• This is why in June we launched a program specifically for state and local governments using credits
• And one other thing I'd add is we continue testing for weaknesses and fixes after launch.
• On July 31st, the Department of Technology launched CalSecure 2.0.
• Since the SB 53 passage, the Cal-CSIC has launched a secure portal.

Transcript Highlights:

• But we're really excited that General Mills has launched this new line of cereals.
• But we're really excited that General Mills has launched this new line of cereals.
• So we are just launching right now—actually, the email about today launching our CLC Market Builders
• Just not too long ago, a few months ago, we launched our small and medium-sized enterprise program.
• And so we're currently helping 6 companies launch new products that include crops like Kernza, hazelnut

Bills: HF3692

Committee: House Agriculture Finance and Policy

Transcript Highlights:

• So I showed our board a similar slide in January when we launched our strategic plan.
• When we came up with this, safety was not something that we envisioned as launching right away under
• So it is something that when we launched it...
• I do know that we did provide them training on the website when we launched it back in 2022.
• I do know that we did provide them training on the website when we launched it back in 2022.

Committee: Senate Appropriations Committee on Higher Education

Summary: The Appropriations Committee on Higher Education heard a presentation on the State University System’s new strategic plan, SUS 30, and its legislative budget request. University officials described the plan’s five priorities: One SUS collaboration, elevating student success, operational excellence, world-class talent, and innovative research and economic development. They highlighted Florida’s continued status as the top higher education system in the nation, low tuition, strong graduation outcomes, rising median wages for graduates, and expanded use of the My Florida Future website to help students and families compare degree outcomes and earnings. Members asked for follow-up information on programs of strategic emphasis, mental health and social work workforce needs, wage data over time, and how the system supports innovation moving toward commercialization. The committee also discussed campus safety, prompted in part by recent events at FSU. System officials said universities and the Florida College System recently held a safety summit to share best practices on building security, threat assessment, and coordination with law enforcement, and they agreed to provide a report back to the committee after the Board of Governors reviews recommendations in November. Senators also raised questions about Pell student support, first-generation student success, and whether liberal arts graduates’ earnings catch up over time. Officials said Pell students are tracked through performance-based funding metrics and that the system’s accountability plans will continue to emphasize access and completion. A separate update covered line funding for nursing and health care partnerships. Officials said the $6 million appropriation was fully subscribed through 24 proposals from all 10 nursing programs, supporting scholarships, faculty recruitment, internships, simulation, and licensure preparation. They reported over 1,900 new nursing graduates, more than 200 new student slots, over 300 scholarships, and a 92% NCLEX pass rate. Senators asked about expanding eligibility for the program, and staff said that issue would be revisited this year. The Board of Governors’ legislative budget request totaled $634.5 million and included $295 million for performance-based funding institutional investment, a request to restore and increase the state investment portion to $400 million, $125 million for preeminence funding, $100 million for faculty recruitment and retention, $6.4 million for UF/IFAS extension workload, and $3.1 million for State Fire Marshal inspections. The chair noted that resources are limited and that difficult budget decisions lie ahead. No votes were taken, and the meeting adjourned after the presentations and questions.

Transcript Highlights:

• We also continue to build on the rare disease network that has we launched in this state a few years
• We also continue to build on the rare disease network that has we launched in this state a few years
• We also continue to build on the rare disease network that has we launched in this state a few years
• 10:58.720><c> a</c><00:10:59.279><c> few</c><00:10:59.440><c> years</c><00:10:59.600><c> ago</c> launched
• in this state a few years ago launched in this state a few years ago and<00:11:00.640><c> members,</

Bills: HF2436 , HF2435

Committee: House Ways and Means

Transcript Highlights:

• Hedstrom, a young assistant Sergeant at Arms, played a key role in launching and leading the program
• 02:42.080><c> in</c> Sergeant at Arms played a key role in Sergeant at Arms played a key role in launching
• 42.840><c> leading</c><00:02:43.200><c> the</c><00:02:43.400><c> program</c><00:02:44.040><c> for</c> launching
• and leading the program for launching and leading the program for its<00:02:44.480><c> first</c><00:

Transcript Highlights:

• And it's not rocket science. Be nice. Be respectful. And don't lie. It's all you got to do here.

Transcript Highlights:

• And it's not rocket science. Be nice. Be respectful. And don't lie. It's all you got to do here.

Summary: The House met on the final day of session with prayer, the Pledge of Allegiance, and approval of the previous day’s journal by a 126-0 vote. Much of the early floor time was devoted to points of personal privilege, with members and the Speaker offering lengthy tributes to departing colleagues, House staff, law enforcement, veterans, and family members. Several members reflected on their service, discussed the challenges of the session, and thanked staff in the chamber and across the Capitol for their work. The chamber then took up Senate messages and committee reports, followed by several bills and resolutions. House Bill 2636, dealing with mortgage modification and related consumer protections, was adopted as amended and finally passed by votes of 142-1 on adoption and 144-1 on final passage. House Bill 2397, concerning water district dissolution procedures and related safeguards, was adopted and finally passed by votes of 129-16 and 127-17. House Bill 2576, a naming and designation bill adding observances and memorial highways/bridges, was adopted and finally passed by votes of 136-4 and 134-6. The House also debated Senate Joint Resolution 95, which proposed creating a constitutional Show Me Prosperity Fund as a sovereign wealth fund intended to eventually replace state taxes through long-term investment returns. Supporters argued it was a forward-looking fiscal strategy based on compound interest and could reduce reliance on taxes over generations. Opponents warned that the state was facing near-term budget shortfalls and that locking money away could make it inaccessible during emergencies or when needed for current services. The transcript ends during continued debate on the resolution, with no final vote shown.

Transcript Highlights:

• We've moved from using artillery pieces to now we're using rockets and missiles, as well as drones.

Bills: HB3257 , HB3176 , HB3544 , HB3619 , HB3546 , HB1782 , HB2293 , HB4358 , HB3081 , HB3983 , HB3790 , HJR1023 , HB4139 , HB3297 , HB3041 , HB3673 , HB4105 , HB3338 , HB3048 , SR33 , SCR21 , SCR20 , HB4030 , HB4031 , HB4032 , HB4034 , HB4036 , HB4037 , HB4038 , HB4040 , HB4041 , HB4042 , HB4043 , HB4045 , HB4046 , HB4047 , HB4048 , HB4044 , HB4050 , HB4051 , HB4052 , HB4053 , HB4054 , HB4056 , HB4057 , HB4071 , HB4065 , HB4067 , HB4072 , HB2992 , HB4338 , HB4170

Transcript Highlights:

• And it's not rocket science on what you would do to say, we discussed this in executive session to protect

Committee: House House Commerce Committee of Reference

Summary: The committee took up a series of Senate bills, beginning with SB 1421, a contentious measure restricting financial institutions and check cashers from accepting certain identification from unauthorized immigrants and limiting remittance transfers without proof of lawful status. An attempted strike-everything amendment by Rep. Villegas would have redirected the bill to authorize tax-deeded property sales for affordable housing, but the committee rejected that amendment. After public testimony both for and against the underlying bill, the committee voted 6-2 to give SB 1421 a due pass recommendation. The committee then approved SB 1254, which revises Industrial Commission of Arizona statutes, including renaming certain positions, shifting boiler and elevator oversight, and requiring fee schedules to be posted online. It also passed SB 1515, which creates a public safety parity fund for retention pay and benefits for DPS and corrections employees using investment earnings from the budget stabilization fund; supporters cited vacancies, turnover, and pay gaps, while opponents argued the state should fund raises through the general fund. Both bills received due pass recommendations after amendment adoption and roll call votes. Other measures considered included SB 1206, which restricts adjusters and contractors from soliciting work during active loss events or emergency responses, with an exception for essential services; SB 1563, which continues the Barbering and Cosmetology Board and lowers certain fee caps; and SB 1649, which creates a digital assets reserve fund, though an amendment to turn it into a transparency measure on employers receiving public assistance was rejected. The committee also passed SB 1290 after rejecting an amendment on emergency price controls and adopting a Carter amendment clarifying HOA executive sessions may be closed only for discussion without action; testimony on that bill focused heavily on HOA transparency versus privacy concerns. Finally, the committee approved SB 1670, a contractor licensing preemption bill, and SB 1671, which continues the Department of Gaming and related commissions and updates reporting and conflict-of-interest requirements, with the department supporting the continuation and amendment language.

Transcript Highlights:

• And it’s not rocket science on what you would do to say, we discussed this in executive session to protect

Bills: SB1206 , SB1254 , SB1290 , SB1421 , SB1432 , SB1515 , SB1563 , SB1641 , SB1649 , SB1670 , SB1671 , SB1747

Committees: House Commerce , House House Commerce Committee of Reference

Keywords: storm damage, catastrophic storm, hail damage, wind damage, roof repair, roof replacement, post-storm repairs, insurance claim, property and casualty insurance, adjuster, public adjuster, contractor licensing, homeowner protections, deductible waiver, insurance fraud prevention, storm chaser, residential construction contract, workers' compensation, joint check, claim solicitation