Transcript Highlights:

• seven years of me emphasizing the need for us not only to give parental rights, but also the right to reject
• would meet with the family to determine eligibility, find housing programs, help them fill out the application

Bills: HB18, HB37, HB116, HB388, HB879, HB913, HB1151, HB2216, HB2358, HB2809, SB577, SB1590, SB1782, SB1887, SB2744, HB18, HB37, HB116

Keywords: rural health, hospital funding, healthcare access, mental health services, financial stability, perinatal bereavement, healthcare, hospital training, bereavement support, maternal care, fetal demise, stillbirth, neonatal death, parent-child relationship, involuntary termination, family law, child welfare, child protection, HB 388, HB388

Bills: SB15, SB65, SB241, SB304, SB402, SB413, SB427, SB499, SB583, SB621, SB673, SB840, SB850, SB854, SB974, SB1023, SB1024, SB1025, SB1106, SB 15

Keywords: SB 15, Texas Local Government Code, zoning preemption, housing affordability, small lots, lot size, lot density, single-family zoning, residential subdivision, municipal land use, local control, state preemption, parking requirements, setbacks, infill development, missing middle housing, lot width, lot depth, homebuilders, housing supply

Transcript Highlights:

• My understanding is there's hundreds in applications standing there to be done.
• We do have 132 applications that were taken in two years ago now.
• And 130 teacup applicants will be left wanting, just like the patients.
• I urge you to reject.
• I urge you, please reject fear-driven policies, reject- reject misinformation, because we heard a lot

Bills: SB3, SB810, SB965, SB1073, SB1119, SB1505, SB 3

Keywords: Texas Education Code, public schools, school district, open-enrollment charter school, teacher speech, employee speech, biological sex, pronouns, gender identity, retaliation, discipline, workplace protections, school personnel, education policy, LGBTQ, transgender, charter schools, SB 965, religious speech, prayer

Transcript Highlights:

• The feedback from the Department of Energy: both applications were rejected.
• <02:26:46.840> were energy both both applications were energy both both applications were
• those projects comes from applicant those projects comes from applicant investment<04:25:03.760>
• <05:11:47.320> Department<05:11:47.638> of rejection Department of rejection Department
• The rejection form that the U.S.

Keywords: 1189, house, all

Transcript Highlights:

• We found him through an application for a permit for a solar heater for a pool.
• It allows the customer or someone acting responsibly for the customer to sign the application.
• Or you can do it online and someone acting for the customer can sign the application.
• Of course, I'm very grateful that the committee rejected the amendment to this bill.
• I'm very grateful that the committee rejected the amendment to this bill.

Bills: SB1037, SB1040, SB1259, SB1281

Keywords: elections, voting systems, vote tabulation, election security, internet connectivity, offline voting, chain of custody, polling place equipment, counting center, central counting center, election management system, EMS gateway, tabulation equipment, secretary of state, certification, decertification, HAVA, Help America Vote Act, ballot images, audit logs

Summary: The Committee on Federal and Military Affairs and Elections heard a lengthy presentation on an investigative referral concerning alleged voter registration anomalies in Arizona from March 2023 onward. The chair described examples involving out-of-state residents, deceased registrants, military voters, duplicate or mismatched registrations, and registrations tied to Service Arizona, ACCESS, third-party vendors, and NGOs. Members also discussed alleged mismatches between county recorder data and Secretary of State reports, possible issues with automatic voter registration, and concerns about public records compliance. At the end of the presentation, members were asked whether they wanted to sign onto a criminal referral to the Department of Homeland Security and the Department of Justice; several declined, while others agreed, and the committee proceeded after correcting a signature-block issue. The committee then considered Senate Bill 1259, which would allow certain protected individuals to use an alternate mailing address and attest to their residential address on candidate and financial disclosure filings. After questions about residency verification and confidentiality, the bill received a do pass recommendation by a 6-1 vote. Senate Bill 1281, dealing with state land department procedures for covered federal designations and notification of land takings, was heard next; after opposition testimony from the Sierra Club Grand Canyon Chapter, it passed 4-3. Senate Bill 1037, concerning election equipment security and internet connectivity, drew substantial debate. A Marquez strike-everything amendment that would have shifted the bill toward voting centers, ERIC participation, early voting changes, and election funding failed on a 4-3 vote. The underlying bill then failed to receive a do pass recommendation on a 3-3-1 vote. Finally, Senate Bill 1040, which would make voter registration rolls publicly accessible online and downloadable, passed 4-3 after questions about what information would remain redacted and concerns about public access to voter data.

Transcript Highlights:

• Those funds are based upon that application process.
• would have been determined by their parents or guardians completing some kind of family income application
• Chair, Representative, currently 99% of our schools do not have to collect school lunch applications,
• The CEP requirements mean that only a handful of schools still have to complete those applications.
• But overall, the Senate version of the K-12 bill rejects most of the proposals.

Transcript Highlights:

• So that'd be part of our application scoring process there. So continue.
• So that's part of the application. What's the enforcement? Mr.
• We think we can cover it through the application, if you feel otherwise, as a group.
• would weigh all the applications and make decisions based on those?
• We rejected that amendment, and then we removed the study.

Keywords: 908, all

Summary: The committee first heard Senate Bill 2265, which would provide the Fargo National Cemetery with up to a $3 million line of credit to help fund improvements such as indoor bathrooms, parking, a family gathering area, an office, a hearse garage, and a veterans gallery. Supporters said the cemetery has expanded rapidly since 2019, has already conducted about 1,000 burials, and needs better facilities for families and the Honor Guard; they also said the project would be subject to federal VA approval and, once completed, would be taken over by the VA. Members raised questions about the project’s cost, timing, funding sources, whether the bill should be a grant instead of a line of credit, and whether a chapel should be specifically included. No vote was taken on SB 2265 during the excerpt. The committee then took up Senate Bill 2230, which would have the Secretary of State mail active voters a guide on ballot measures at least 45 days before an election, with objective summaries, fiscal impacts, and arguments for and against each measure. Secretary of State Michael Howe said the office already receives many questions about ballot measures and would post the same information online and at polling places, while emphasizing the need to keep the material objective and consistent with election-law restrictions. Members generally supported the idea as a voter-education tool, and the committee adopted a due pass motion on SB 2230 by a 19-0 vote. Finally, the committee heard Senate Bill 2256, which would provide one-time state support for the NDSU Research and Technology Park in Fargo to expand its role in commercialization, robotics, precision agriculture, and defense-related technology. Park CEO Brenda Weiland explained that the park is a 501(c)(3) nonprofit spun out of NDSU, governed by a board with both university and industry representation, and that the new model is intended to bridge the gap between research and market-ready products without competing directly with private industry. Members asked about ownership, intellectual property, the planned partnership with Carnegie Mellon’s robotics center, and how the park would use the funding; the discussion focused on contracts, licensing, and the park’s intent to build technical capacity and attract companies. The excerpt ends before any vote on SB 2256.

Transcript Highlights:

• This bill clarifies that once an application is submitted, it should move through the process and receive
• Speaker, and please present AB 2418, which will streamline commercial building permit applications by
• You have to file an application under penalty of perjury with verified grounds that a person's safety
• AB 2567 gives county welfare directors the ability to provide immediate relief to CalWORKs applicants
• County, which rejected 2.5% of signatures.

Keywords: 988, house, all

Summary: The Assembly convened in session, established a quorum, offered a prayer and pledge, and then moved through a very large third-reading file while urging members to be at their desks for their bills. The day featured many support measures on housing, health care, public safety, local government, labor, education, and consumer protection, with repeated reminders that absent authors would have their bills skipped. Several bills were passed temporarily or retained on file, but the chamber spent most of the time taking up individual measures and voting on them. Among the bills discussed were measures on land surveying, nurse midwifery access, historic-district transit zoning, EV charging infrastructure, foreclosure equity protections, tribal inclusion in interstate cannabis commerce, outdoor advertising permitting delays, commercial building permit timelines, DUI penalties, farmworker disadvantaged-community designation, restaurant reservation bots, open-space tax exemptions, pop-up business permits, anti-hate training for officials, sideshows and street takeovers, utility rate transparency, CalWORKs eligibility, dynamic electricity rates, interior designer licensure, compost contamination, modular housing standards, small claims limits for businesses, Native American Day as a paid state holiday, rural maternity care funding, protective orders tied to defendant release, immigrant service provider privacy under Safe at Home, mentally disordered offender evaluations, compounded weight-loss drug regulation, plasma donation center rules, missing persons DNA database updates, AI chatbot safeguards for children, an official state apology to California Native peoples, foster youth housing navigation, CTE teacher credentialing, Medi-Cal protections against federal cuts, CalFresh protections, public hospital physician employment authority, child care, and film tax credit changes for post-production work. Testimony was generally supportive from authors, who framed the bills as cleanup, modernization, consumer protection, or targeted equity measures. A few measures drew notable opposition or debate, especially AB 2624 on Safe at Home privacy protections for immigrant service providers, where opponents argued it could chill journalism and transparency while supporters said it was needed to protect people facing doxing and threats. AB 2208 and AB 2299 were presented as responses to federal HR 1 impacts on Medi-Cal and CalFresh, and AB 2023 on AI chatbots drew emotional support centered on child safety and a reported suicide case. The chamber also heard strong advocacy for Native American recognition bills, rural health access, and housing affordability. Most bills passed with little or no opposition, often unanimously. Recorded votes included AB 1933 (48-0), AB 1696 (49-0), AB 2415 (54-0), AB 1820 (50-0), AB 1957 (53-0), AB 2506 (60-0), AB 2024 (58-0), AB 2418 (61-0), AB 1578 (44-17), AB 1600 (46-9), AB 1661 (44-10), AB 1715 (46-7), AB 1755 (66-0), AB 1787 (43-5), AB 1796 (45-6), AB 1812 (47-1), AB 1815 (57-0), AB 1827 (59-0), AB 1841 (64-0), AB 1868 (61-0), AB 1882 (64-0), AB 1889 (69-0), AB 2624 (49-19), AB 1897 (57-1), AB 1990 (52-0), AB 2009 (65-0), AB 2018 (60-0), AB 2023 (58-8), AB 2115 (65-0), AB 2162 (60-0), AB 2206 (62-0), AB 2208 (42-17), AB 2237 (54-0), AB 2241 (62-0), AB 2246 (56-1), AB 2249 (51-0), AB 2299 (51-1), AB 2311 (65-0), and AB 2314 (68-0). The session ended with the Assembly still working through the file, including the opening of AB 2319 on film tax credits.

Transcript Highlights:

• I 2023, I was late on my application.
• that same discernment here and reject that same discernment here and reject HB461.<01:08:18.880>
• I urge you to reject HB 452.
• I urge you to reject reject reject HB452.<02:43:39.040> Let's<02:43:39.359> keep<02:43:
• <03:12:37.760> that The I589 is the asylum application that The I589 is the asylum application

Keywords: 1191, senate, all

Transcript Highlights:

• 03:18:53.840> potential FDA IND applications and potential FDA IND applications and potential
• The citizens have already rejected it.
• something that they've clearly rejected. something that they've clearly rejected.
• It doesn't reject innovation.
• It doesn't reject innovation.

Keywords: 981, all

Summary: The House convened, took roll, and approved the journal of Wednesday, May 6, 2026, as corrected. Members then made several announcements, including committee meeting notices, a Colorado Farm Bureau burger bash, recognition of Nurses Week, Asian-American and Pacific Islander Heritage Month, and a commendation honoring former legislator Dorothy Rupert for her public service and advocacy. The chamber also heard a report that Rep. Flynnel had helped save a life by calling 911 when she witnessed a medical emergency near the Capitol. Committee reports were received from Appropriations and Business Affairs and Labor, and the majority leader moved a slate of bills to special order for May 7. The House then proceeded to special orders and considered House Bill 1433, which would allow the firefighter behavioral health trust to receive gifts, grants, and donations to sustain services for firefighters dealing with trauma. Supporters described the program as essential for first responders, and the bill passed. The chamber next considered House Bill 1429 on consolidating administration of public assistance programs. Supporters said it would stabilize the safety net, reduce error rates, and create a transition plan involving counties, state departments, and frontline workers; the appropriations report and the bill both passed. House Bill 1416, which transfers money from the Universal High School Scholarship Cash Fund to support small businesses and the Colorado Small Business Development Center, also passed as amended after debate over the use of the scholarship fund and its prior implementation challenges. Opponents argued the money should remain with students, while supporters said the fund had already distributed most of its original allocation and the transfer would help small businesses without creating a new program.

Transcript Highlights:

• So I reject the premise of this amendment.
• Reject this amendment, members.
• Grant applications, number seven, that I'm going to talk about: they have grant applications right in
• Grant applications, number seven, that I'm going to talk about: they have grant applications right in
• <03:04:28.200> right about they have Grant applications right about they have Grant applications

Keywords: 1183, house

Transcript Highlights:

• voter registration requests are rejected despite<00:18:49.440> high<00:18:49.679> levels
• regarding um Real ID applicants. regarding um Real ID applicants.
• So there is that concern that people will show up with their Real ID that will be rejected.
• <01:39:43.199> by birth certificate, it was rejected by birth certificate, it was rejected
• Um, the retroactive applicability cap.

Keywords: 1191, senate, all

Transcript Highlights:

• And then they provide the application form so that their employees, full-time or almost full-time, can
• We want to thank the Senate for initially rejecting the proposal, but we’re disappointed to find it on
• We urge you to reject it. Thank you. Welcome. Good morning, Chairman and members, Mark Farooke...
• For these reasons, we urge you to reject this bill. Thank you. Thank you. ...delivers the opposite.
• For these reasons, we urge you to reject this bill. Thank you. Thank you very much. Welcome.

Keywords: 987, senate, all

Transcript Highlights:

• This bill establishes fair and consistent standards for the energization application process.
• This bill establishes fair and consistent standards for the energization application process and strengthens
• just 0.23% of ballots because of a bad signature, whereas San Joaquin County has 2.5% rejection.
• This bill allows us just to reject signatures and then have another 20 days to count those ballots.
• An automatic rejection of ballots because they didn't match the signature.

Summary: The Assembly convened after a quorum call, prayer, and Pledge of Allegiance, then moved through a long daily file with numerous guest introductions and recognitions, including tributes to outgoing University of California President Michael Drake, student and community advocates, and visitors connected to foster care, military appreciation, and college savings. The chamber also took up several procedural items, including concurrence in Senate amendments to ACR 75 on California Farm Week, which passed 59-0. Members then adopted AJR 7 on protecting federal special education funding and services for students with disabilities, with broad bipartisan support and a 65-0 vote after 63 co-authors were added. The Assembly also adopted ACR 82 recognizing Foster Care Month and ACR 85 recognizing 529 College Savings Day by voice vote after adding co-authors, and ACR 89 recognizing Military Appreciation Month, also adopted by voice vote after co-authors were added. These resolutions featured testimony and remarks emphasizing support for vulnerable children, foster youth, military families, and access to higher education. On policy bills, the Assembly passed AB 929 on groundwater and managed wetlands (41-14), AB 1026 on utility connection timelines for housing projects (52-0), AB 1332 on direct shipment of medicinal cannabis under specified conditions (55-0), AB 1356 on follow-up reporting in DHCS death investigations at treatment facilities (54-0), and AB 671 on streamlining restaurant openings through self-certification of certain plans (62-0). The chamber also approved AB 715 on anti-Semitism and school climate after extensive debate and cross-caucus support, 64-0, and AB 33 on autonomous vehicle deliveries requiring a human safety operator, 52-6. Later, AB 5 on election ballot-counting timelines passed 66-0, AB 27 and AB 28 addressing the Chiquita Canyon landfill disaster passed 61-0 and 44-6 respectively, and the Assembly began consideration of AB 43 to extend state authority over wild and scenic rivers.

Transcript Highlights:

• . application. application.
• And<01:52:28.560> so<01:52:29.440> I<01:52:29.920> reject And so I reject And so
• raise it says a permit application raise it says a permit application review<03:17:34.080> does
• <03:18:38.160> is notice before the permit application is notice before the permit application
• Section 15, application by the governor.

Keywords: 926, house, all

Summary: The House returned from recess and took up S. 208, a bill on standards for law enforcement identification. The House Judiciary Committee explained that it had rewritten the bill into a model-policy approach focused on Vermont state and local agencies, rather than imposing direct requirements on all law enforcement, because of constitutional and preemption concerns raised by a recent Ninth Circuit decision. The amended bill would direct the Law Enforcement Advisory Board to develop a statewide policy on officer identification and facial coverings by July 2027, require agencies to adopt a consistent policy by October 1, 2027, and deem agencies to have adopted the model policy if they do not act. The committee reported the bill favorably on a 6-5 vote. Members then debated an amendment offered by Representatives Berbeco and McGill to restore federal officers to the bill. Supporters argued that public authority should not be anonymous, that visible identification is necessary for transparency, accountability, and public trust, and that the bill should apply to federal agents as well as state and local officers. They said the amendment included exemptions for undercover work, tactical teams, protective equipment, and safety concerns, and argued Vermont should not wait for courts to resolve every constitutional question before acting. Opponents on the Judiciary Committee said the language remained likely unconstitutional and could jeopardize the bill’s passage; the committee had found the amendment unfavorable on an 8-1 vote. The floor debate continued with several members speaking in favor of the amendment, including arguments that other states have adopted similar requirements and that Vermont should lead on the issue. One member raised a point of order that was not sustained, and the Speaker ruled federal authority relevant to the question. The transcript ends while debate on the amendment was still underway, after a request for a roll-call vote was granted, with no final floor vote on the amendment shown in the excerpt.

Transcript Highlights:

• Um, amendment two was rejected by voters across all 120 counties.
• transparency requirements for how scholarship funds are spent or which students are accepted or rejected
• on this notion that a tax cut is tax dollars, the Supreme Court of the United States has already rejected
• Uh, another fact, there will be scholarship granting organizations in states that take applications from
• <01:44:37.760> from states that take applications from states that take applications from

Keywords: This version of the House chambers was retrieved from back up and uploaded. The original live stream contained issues where audio and video got out of sync., 958, all

Summary: The House convened with an invocation and pledge, established a quorum, approved the prior journal, and received committee reports on several bills. Reported measures included House Bills 1 and 2 from Appropriations and Revenue, along with bills on animal control officers, emergency services revenue, postsecondary education, proactive postsecondary admission, vehicle lights, motor vehicle operation, motor vehicle dealers, and machine gun conversion devices. The chamber also took up Senate Bills 52 and 124 for concurrence, and House Bill 1 was moved from rules to the orders of the day for immediate action. The House then considered House Bill 568, which would regulate public adjusters by prohibiting new licenses, allowing renewals for current licensees, imposing conflict-of-interest and contract requirements, capping fees at 5%, and barring adjusters from negotiating claims. Supporters described it as a consumer-protection measure responding to complaints and investigations, especially after recent storm-related exploitation. The bill passed overwhelmingly, 95-1. The House next debated House Bill 1, which would opt Kentucky into the federal education freedom tax credit program and authorize the Secretary of State to administer the state’s participation without using state general funds. Supporters argued it would bring federal scholarship dollars into Kentucky for K-12 students, including public school students, and could generate significant private donations for scholarship-granting organizations. Opponents raised concerns about shifting resources away from public education, the speed of the process, and a proposed waiver of Eleventh Amendment immunity. A motion to table the bill failed by a wide margin, and members continued debating the bill and its implications for public schools and state sovereignty.

Transcript Highlights:

• Superior six months to get back to any interested court reporter applicants. L.A.
• Superior took six months to get back to any interested court reporter applicants.
• California and federal antitrust laws are statutes of general application.
• We urge lawmakers to reject AB 1065 to ensure that credit unions, and most importantly their members,
• I strongly implore you to reject AB 928.

Summary: The committee heard several bills, beginning with AB 2, which would create enhanced civil penalties for large social media companies when negligence proven in court causes harm to children and teens. The author and supporters argued the bill is needed to address addictive algorithms and harmful content, while opponents warned it was vague, could chill speech, and might be preempted by federal law. Members largely focused on whether the bill changed the standard of care or burden of proof; the bill passed out of committee on a roll call vote, with some members noting concerns but supporting it to continue the discussion. AB 282, dealing with housing vouchers and source-of-income discrimination, would clarify that housing providers may prioritize applicants who qualify for rental assistance without violating fair housing law. Supporters from housing authorities, local governments, and advocacy groups said it would help voucher holders find units and improve use of housing funds. There was no opposition, and the bill passed to Appropriations on a roll call vote, with two no votes. The committee also considered AB 882 on court reporter availability and electronic recording in certain cases when a court reporter is unavailable. Supporters said the bill is a temporary, narrowly tailored response to a shortage of reporters and would preserve access to accurate records, while opponents argued it was too narrow, raised access-to-justice concerns, and should be broadened. Members from both sides emphasized the importance of court reporters and electronic recording as a backup; the bill passed with an urgency clause and was sent to Appropriations. The committee then heard AB 325 on algorithmic price fixing, AB 935 on civil rights data clarity, AB 1414 on tenant choice of internet service provider, and AB 67 on Attorney General enforcement of the Reproductive Privacy Act; each drew support from sponsors and advocacy groups, opposition centered on overbreadth or policy concerns, and each advanced on committee votes, with several members requesting further amendments or clarification.

Transcript Highlights:

• Committee Substitute Senate Bill 2227, relating to the application review process for certain delayed
• Committee Substitute Senate Bill 2227, relating to the application review process for certain delayed
• Committee Substitute Senate Bill 2227, relating to the application review process for certain delayed
• Our focus stays on the high-stakes applications exclusively.
• Is there a rejection? Oh, I'm sorry. Senator Menendez, for what purpose?

Summary: The Senate first adopted a motion to move the intent calendar deadline to 4 p.m. and then took up several bills by suspending the regular order of business. Senate Bill 2031, concerning removal of high fences around breeder deer release sites, passed after an amendment shortened the testing period from five years to three, tied visible identification requirements to the date Parks and Wildlife began requiring them, and made the bill effective immediately. Senate Bill 1490, a cleanup to adult charter high school funding, and Committee Substitute Senate Bill 2227, creating a process for delayed birth certificates and renamed the Charles E. Barton Act, both passed unanimously after floor amendments. Committee Substitute Senate Bill 1964, regulating artificial intelligence systems used by state agencies, also passed unanimously after the author described guardrails for high-risk AI and disclosure requirements. The Senate then considered Senate Bill 2877, which increases penalties for election fraud and related attempts; after debate over whether existing law already covers some conduct and whether the bill was necessary given the small number of convictions, it passed to engrossment and later final passage on a 21-10 vote. Committee Substitute Senate Bill 2658, on brackish groundwater production and study, passed after four amendments, including one giving water districts authority to stop production if monitoring shows harm to freshwater supplies or subsidence and another returning a portion of transported water revenue to districts. Committee Substitute Senate Bill 648, strengthening recording requirements for real property instruments to help prevent deed theft, also passed on a 26-4 vote. Other measures approved included Committee Substitute Senate Bill 401, making it easier for homeschool students to participate in UIL activities through local district opt-in/nearest-district participation rules; Committee Substitute Senate Bill 407, requiring health care facilities to honor conscience or religious vaccine exemptions for employees, despite extensive questioning about patient safety and immunocompromised patients; Committee Substitute Senate Bill 2117, creating a Texas Committee on Foreign Investment to review risky foreign acquisitions; Senate Bill 1718, adding the NRA annual meeting to the major events reimbursement program after a failed amendment seeking equal space for gun-control advocacy; Committee Substitute Senate Bill 1626, clarifying limits on censorship and interference with digital expression by social media platforms; and Senate Bill 2206, updating the state R&D franchise tax credit and related sales tax treatment, which passed 31-0. The chamber also debated Senate Bill 1395 on school health advisory councils. An initial amendment to restore voting seats for teachers and school employees failed, but a later amendment by Senator West added students back in an advisory, non-voting capacity. The Senate then handled routine motions, committee scheduling, first-reading referrals, and adjourned until April 29, with the session ending in memory of two constituents.

Transcript Highlights:

• It's to follow the law and all applicable rules and regulations and to help deliver the American dream
• Members, this bill requires developers' application to create a municipal utility district in the Hill
• The applicability is limited to cases in which the property owner agrees to annexation.
• Is not rejected for these circumstances.
• the developer wants to do a land application permit right next to the municipal wells of a city.

Transcript Highlights:

• Application that that is to the PUC, correct? Yes, it is. Right.
• The bill was rejected, and I urge this committee to do the same. Thank you for your time.
• Approach to energy and reject SB819. Thank you very much. Thank you, Rebecca. Thank you.
• We urge the committee to reject SB 819, and thank you for your time.
• So, it's simple materials that can be reused in other industrial applications.

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