Transcript Highlights:

• What we’re trying to do is provide a structure so an individual, when we talked about getting insurance
• So we’re trying to provide a structure. Just for a little bit of history, Mr.
• so an individual uh provide a structure so an individual uh when<00:07:39.479> we<00:07:39.599
• weeding out a bad like the structure weeding out a bad veterinarian<00:07:50.599> or<00:07:50.800
• <00:08:07.080> and we're trying to provide a structure and we're trying to provide a structure

Keywords: 958, all

Summary: The Senate Agriculture Committee met to continue discussion of a committee substitute for a bill dealing with non-veterinary equine dental practice. The chair first addressed a procedural issue, saying any handouts distributed without the chair’s approval were improper and would not be part of the official record. The committee then reintroduced and approved the committee substitute by motion and second, before moving into member questions rather than hearing additional public testimony that morning. Senator Reed asked what testing would be required for state approval and about the bill’s timeline. The response said the bill would rely on an internationally recognized testing model, with education and continuing education requirements, and that the measure included an 18-month period to allow existing practitioners time to comply. Senator Deneen then raised concerns about the grandfather clause, the five-year lookback, and whether the bill could set a precedent that would further encroach on veterinary practice. In response, supporters said the bill was intended to create a structure for a practice that already exists, with training, insurance, a registry, and a grievance process to weed out bad actors while preserving access and affordability for horse owners, especially in rural areas where veterinarians may be scarce or unavailable. The discussion also included historical context, with members noting the issue had been considered during earlier veterinary modernization efforts and had been worked on through open work groups, surveys, stakeholder meetings, and multiple drafts. Supporters argued that without a regulated framework, some horse owners might not be able to afford veterinary care, which could leave horses untreated. No final vote on the bill itself was described in this portion of the meeting beyond approval of the committee substitute.

Transcript Highlights:

• It's structural clarity.
• Hampshire with our current structure. Hampshire with our current structure. >> Yeah.
• Uh this one backing payment structure.
• want to let people use the AP structure want to let people use the AP structure cynically.<01:17
• > that<01:22:06.560> the sufficiently well structured that the sufficiently well structured

Keywords: 1189, house, all

Summary: The commission met on November 12 and first approved the September 17 and October 15 draft minutes unanimously after brief discussion. Members also identified themselves for the record, including a new member from Bumpsk Bank, a staff attorney from the Secretary of State’s Bureau of Securities Regulation, a prior crypto commission participant, and a uniform law commissioner involved in tokenization projects. The main presentation was by UNH law professor Seth Orinberg, who discussed the federal GENIUS Act and the pending Clarity Act and how they affect New Hampshire’s options in the digital asset space. He described the GENIUS Act as governing payment stablecoins/stable tokens, defining them as blockchain-based assets used primarily for payments, redeemable for a fixed amount of national currency, and required to maintain stable value. He said the law creates three possible state roles: hosting federally qualified issuers, becoming a state qualifier for issuers up to a $10 billion threshold, or exploring state-backed issuance as a sovereign. He noted that the state-qualification path would require conforming legislation, examination capacity, and coordination with Treasury, while the sovereign-issuer theory is legally uncertain and may become a test case. Orinberg also outlined the core compliance framework he said applies to covered issuers: 100% reserve backing in high-quality liquid assets, monthly public reserve reporting, no yield or interest-like rewards, segregation of reserve assets, immediate redemption at face value, and anti-money-laundering/know-your-customer obligations. He then turned to the Clarity Act, describing it as a broader market-structure bill that would create categories such as digital asset, digital commodity, digital security, and ancillary asset, with self-certification procedures for issuers. He said the two federal laws together would separate payments from investments, preempt inconsistent state standards for covered payment stablecoins, and likely reshape the boundaries of state authority over digital assets.

Transcript Highlights:

• We have a structural imbalance.
• We've got a massive structural deficit.
• And we do need to fix the structural And we do need to fix the structural part<01:18:09.120>
• <01:39:45.680> imbalance the structural imbalance the structural imbalance now,<01:39:48.360
• structurally to fix the imbalance. structurally to fix the imbalance.

Bills: HF4252

Keywords: higher education, student aid, financial aid, grant programs, scholarships, Office of Higher Education, Minnesota State, University of Minnesota, community college, technical college, postsecondary institution, college affordability, student fees, athletic facilities, competitive athletics, developmental education, remedial courses, pregnant students, parenting students, priority registration

Transcript Highlights:

• House Bill 2740 puts structure, transparency, and accountability around that mission.
• If the structure delivers value, the legislature, Evaluation point.
• If the structure delivers value, the legislature may renew it. If not, authority expires.
• We will have the balance of it and we'll have the structure to support it.
• And whatever structure you decide as appropriate, That's why you do this.

Keywords: 959, house, all

Transcript Highlights:

• There is actually a regulatory structure for those folks.
• There is actually a regulatory structure for those folks.
• There is actually a regulatory structure for those folks.
• Specifically for the company or in their structure, and we can certainly...
• It's not structured like a health savings account.

Summary: The Committee on Banking and Insurance met with a quorum present and took up several bills, beginning with SB 834 on health care sharing ministries and insurance agents. Senator Yarbrough presented the bill to repeal a recent restriction on licensed insurance agents marketing or selling faith-based health care sharing programs. Supporters argued the change restores free speech and consumer education while preserving existing consumer protections; opponents said the bill was unnecessary and could increase confusion or misuse of agents and brokers. The committee adopted a title amendment and then reported the bill favorably after debate, with Senator Pizzo raising concerns about consumer reliance and lack of guaranteed coverage. The committee then approved SB 642 on foreign and alien bail bond insurers, SB 394 on reinsurance intermediary managers, and SB 266 on public adjuster contracts. SB 266 would let vulnerable adults rescind public adjuster contracts at any time without penalty; it drew support from consumer and industry groups, with some discussion about estimates and claim work product. The committee also passed SB 832 on residential property insurance transparency, which requires rate transparency reports and a consumer resource center at OIR, and adds a provision excluding land value from homeowners coverage calculations in most cases. Testimony on SB 832 was generally supportive of the transparency goal, though insurers said some of the required cost breakdowns may be difficult to produce as written. The committee next considered SB 1028 on Citizens Property Insurance Corporation, which would create a commercial lines clearinghouse to move eligible policyholders into the private market and reduce Citizens’ commercial exposure. Supporters said it would lower taxpayer risk and improve competition; a speaker suggested additional changes to deductibles, water-damage caps, and repair practices. The bill was reported favorably after a delete-all amendment and supportive debate from Senator Boyd. Finally, the committee passed SB 540 on the Office of Financial Regulation, which adds cybersecurity requirements for certain licensees, updates oversight of investment advisers and money service businesses, adjusts some charter and meeting rules for financial institutions and credit unions, and includes amendments clarifying repossession/deficiency claims, family office exemptions, and virtual credit union meetings. The meeting ended with all of the considered bills reported favorably and the committee adjourned.

Transcript Highlights:

• It's not a regulatory structure for them. It's a safe harbor from that regulation.
• There is actually a regulatory structure for those folks.
• There is actually a regulatory structure for those folks.
• There is actually a regulatory structure for those folks.
• It's not structured like a health savings account.

Bills: S0266, S0394, S0540, S0632, S0642, S0832, S0834, S1028

Keywords: public adjuster, contract cancellation, state of emergency, vulnerable adults, disciplinary actions, financial regulation, information security, financial exploitation, licensing, transportation, insurance, TNC, ride-sharing, automobile liability, bail bond, insurance regulation, foreign insurers, financial disclosure, premium reporting, residential property insurance

Summary: The Committee on Banking and Insurance met with a quorum and took up several bills, beginning with SB 834 on insurance requirements for nonprofit religious organizations and health care sharing ministries. The bill repeals a recent restriction on licensed insurance agents marketing or selling faith-based health care sharing programs. Supporters argued the change restores free speech and consumer education while preserving existing fraud and disclosure protections; opponents said allowing agents and brokers could create consumer confusion and has been associated with bad actors. A title amendment was adopted, and after debate the committee reported the bill favorably. The committee also heard and passed SB 642, which extends reporting and duty requirements to foreign and alien bail bond insurers, and SB 394, a technical bill updating reinsurance intermediary manager law to match current DFS practice. SB 266, which lets vulnerable adults rescind public adjuster contracts without penalty, was reported favorably after testimony from supporters in the insurance and elder law communities and a public adjuster who said the intent was good but the bill may need refinement. SB 832, a residential property insurance transparency bill requiring rate breakdown reports and a consumer resource center, also passed after discussion about consumer clarity and whether the required cost categories can be compiled as written. Later, the committee approved SB 540, which creates cybersecurity requirements for mortgage and money service businesses, closes a regulatory gap for certain investment advisers, adjusts OFR examination-payment deadlines, changes de novo charter requirements, allows virtual credit union meetings, and makes other financial regulation updates. Several amendments were adopted, including a substitute amendment removing fintech sandbox provisions. Finally, SB 1028 on Citizens Property Insurance Corporation was reported favorably after debate over a commercial lines clearinghouse intended to reduce Citizens’ exposure and shift more business to the private market; members discussed taxpayer risk, market competition, and consumer protections. The meeting ended with adjournment.

Transcript Highlights:

• This wouldn't affect<00:30:01.280> the<00:30:01.360> structural affect the structural affect
• <00:31:58.080> deficit >> But, how is a structural deficit >> But, how is a structural
• And if we fund those bills, then this create this huge structural deficit. >> I think structural deficits
• structural budget deficit. structural budget deficit. >> Yes. >> Yes.
• structural deficit. structural deficit.

Keywords: Senate streaming session for Monday, March 23, 2026, 960, senate, all

Summary: The Senate first handled routine announcements, including welcoming a new group of pages and noting donations of donuts and chicken from local businesses, along with a citation planned for Mr. Herman’s Bakery, which is closing after 103 years. The chamber then took up Senate Bill 858, establishing a Department of Budget and Management Audit and Finance Compliance Unit. A senator moved to send the bill back to second reading to add an amendment, which was adopted without objection, and the bill was reprinted for third reading. The Finance Committee then reported several bills. Senate Bill 84, concerning collective bargaining for graduate assistants at UMCP and UMBC, was laid over after questions about whether graduate assistants are employees or students. Senate Bill 455, creating a transformational project financing program tied to tax increment financing districts, had two committee amendments adopted and was ordered printed for third reading. Senate Bill 623, creating a premium cigar lounge alcoholic beverage license, also received two committee amendments and was ordered up, but a later Howard County amendment was proposed and the bill was laid over. Senate Bill 777, directing workforce development support in hospital closures and related events, was adopted and sent to third reading. Senate Bill 831, addressing child labor penalties, private-sector labor relations, and state labor standards, was adopted with two amendments and sent to third reading. Senate Bill 932, requiring social media platforms to display users’ general geographic location, was laid over after questions. The committee also advanced Senate Bill 340, requiring at least $2 million annually for the Long-Term Care Ombudsman office, with two amendments adopted and the bill sent to third reading. Senate Bill 489, creating a limited license pathway for physicians trained abroad and repealing the fifth pathway program, was adopted with two amendments and sent to third reading. Senate Bill 496, expanding Medicaid coverage for obesity treatment, prompted extended debate over the fiscal note and who would bear the costs; the sponsor argued the estimate was overstated and did not account for likely lower utilization or health-care savings, while an opponent pressed concerns about the state share and structural deficit. The discussion continued without a final vote in the excerpt provided.

Transcript Highlights:

• pieces of that structure. pieces of that structure.
• <01:08:25.000> financial long-standing structural financial long-standing structural financial
• And uh just talk briefly about uh the capital structure.
• When we say capital, capital structure.
• And on top of that, way it's structured?

Keywords: 1187, senate, all

Transcript Highlights:

• Of the structures themselves.
• than we do in the traditional dual-staircase structures.
• Have there been any studies of the safety of these structures? There have.
• And empirically, did that study find that there were actually fewer deaths in these structures?
• It's essentially different structures, but they very clearly showed that there was...

Bills: SB208, SB628, SB777, SB1042, SB2354, SB2477, SB2521, SB2523, SB2608, SB2703, SB2778, SB2835, SB2965, SB2367, SB3044

Keywords: workforce housing, capital investment fund, affordable housing, housing development, Texas housing laws, loan programs, community development, Texas housing, zero-interest loans, low-income housing, nonprofit organizations, construction, economic stability, housing affordability, capital investment, Texas housing policy, county fire code, fire marshal, local government code, interlocal agreement

Summary: The Senate Committee on Local Government met with a quorum at the start, adopted a two-minute limit for public testimony, and heard a series of housing, local government, fire code, and district-governance bills. Several measures were laid out with committee substitutes, including SB 628 on county fire code administration through interlocal agreements with emergency service districts; SB 208 creating a Workforce Housing Capital Investment Fund for zero-interest loans to nonprofit builders; SB 2835 allowing cities to opt into single-stair apartment buildings; and SB 2477 easing office-to-residential conversions in certain cities. Other bills addressed ESD spending thresholds (SB 2778), hospital district updates (SB 1042), subdivision/platting issues (SB 1708), public housing tax credit eligibility (SB 2608), groundwater district representation for Marfa and Presidio (SB 3044), park board authority in Waller County (SB 2367), ETJ removal procedures (SB 2523), and reporting death certificates to appraisal districts to help address squatting and homestead issues (SB 2521). Testimony was largely supportive on the housing bills. Supporters of SB 208, including Habitat for Humanity affiliates, a Brownsville nonprofit developer, Texans for Housing, and an educator, said the revolving fund would help nonprofit builders finance land, infrastructure, and development costs for affordable homes, especially for families earning 30% to 80% of area median income. SB 2835 drew support from architects, planners, and housing advocates who argued that single-stair buildings can be safe, more efficient, and better suited to missing-middle housing, though the Texas APA registered qualified opposition, saying the proposal bypasses the usual code-development process and may not be sufficiently studied. SB 2477 also received broad support from housing groups and policy organizations, who said office conversions could help address vacancy and housing shortages, though Corpus Christi raised a concern about fee recovery and local cost reimbursement. The committee also heard support for SB 628 from a county fire marshal and an ESD representative, who said the bill would reduce duplicate fire-code enforcement and costs. SB 2778 was backed by a Bexar County ESD fire chief, who said the current $2,000 expenditure approval threshold is outdated and slows emergency purchases and repairs. SB 2608 was supported by the El Paso housing authority, which said adding certain Section 8 projects to the at-risk LIHTC set-aside would help renovate aging subsidized housing. SB 3044 was presented as a way to give Marfa and Presidio representation on the groundwater district board while preserving permitting authority. Each bill heard public testimony was left pending subject to the call of the chair, and the committee recessed to reconvene after the Senate adjourns.

Transcript Highlights:

• But matching that fixed cost structure.
• So the the higher cost structure.
• Uh so the super rural is the structure.
• Any questions on the structure of the bill?
• on the structure of the bill?

Bills: HB0004

Keywords: medical assistance, birthing centers, healthcare, Medicaid, Wyoming, 916, all

Transcript Highlights:

• . >> So, I guess maybe under structure. >> Well, you have cross county law. >> We have about three. >
• "Where is this one education funding structure of..." "The previous sentence."
• "It says the structure of education funding is inequitable because of its basis on... maybe it should
• c> of<00:24:51.360> education before the structure of education before the structure of education
• >> Sure. >> In front of this structure of education. Okay.

Keywords: 928, house, all

Summary: The committee first reviewed and approved the prior day’s minutes after making several corrections, including changing references to the “majority report,” fixing wording and spelling in the special education section, clarifying language about NAPE scores, and correcting a funding figure from 2,000 to 20,000. Members also agreed to add a sentence noting that the conclusions of the special education study commission should be considered in any consolidation plan. The minutes were then adopted unanimously. The committee then worked through the minority report, making edits to soften or clarify language. Changes included replacing “partisan” with “participation,” revising a statement about test scores so it reflected that “the minority believes” some committee members lacked a complete understanding, and adding “the minority believes” before a statement that the structure of education funding is inequitable because of its reliance on local property taxes. Members also discussed whether some wording was factual or opinion-based, and agreed to leave some comments in place or make minor wording adjustments. After discussion, the committee voted on the final report of the majority of the committee, with edits and appendices, and approved it by a 5-2 vote. Representatives Damon and Bricky voted no. Members noted that a minority report would also be included in the final materials. Finally, the committee authorized the committee assistant to make technical corrections, fix remaining typos, and include the minutes of the meeting, and then adjourned.

Transcript Highlights:

• > mutual<00:18:28.320> accountability structure and the mutual accountability structure
• <00:37:22.359> really uh that horizontal structure really uh that horizontal structure really
• So that's structuring the deal, but you also need to structure the cooperative.
• <00:46:07.120> So, positively to a structure phase. So, positively to a structure phase.
• also need to structure the but you also need to structure the cooperative.<00:46:26.960> And<

Keywords: 1187, senate, all

Transcript Highlights:

• Well, here's my structural concern. There are two structural concerns.
• Well, here's my structural concern. There are two structural concerns.
• Well, here's my structural concern. There are two structural concerns.
• Well, here's my structural concern. There are two structural concerns.
• Well, here's my structural concern. There are two structural concerns.

Bills: SB2101, SB2334, SB2633, SB2637, SB2713, SB2781, SB2782, SB3059, HB 1130

Keywords: minors, sexually explicit materials, public libraries, age verification, civil penalties, library collection review, alcohol storage, airline permits, beverage regulations, airport, commercial flights, alcoholic beverages, local option election, zoning regulations, municipality control, land use, state law, social media, bot accounts, misinformation

Summary: The Committee on State Affairs heard several bills, mostly on alcohol regulation, ethics procedures, the Alamo, and free speech in professional associations. SB 2633 would let the City of Garland hold local option elections on alcohol sales within designated zones and use zoning/land-use rules for alcohol-selling businesses; Senator Johnson and Garland officials said it would reduce the burden of the petition process and support economic development. SB 2637 would require social media platforms to disclose when posts are made by bot accounts and allow Attorney General enforcement; supporters framed it as consumer protection against misleading automated content, while members raised questions about how platforms would identify bots and how enforcement would work. SB 2334 would allow airlines with passenger transportation permits to store sealed alcoholic beverages within five miles of an airport in the same county, which the sponsor and an American Airlines witness said would improve logistics without changing permits, taxes, or alcohol sourcing. The committee also heard SB 2781 and SB 2782, both related to Texas Ethics Commission procedures. SB 2781 would cap civil penalties tied to certain campaign contribution violations by former legislators who later lobby, and SB 2782 would require TEC to adopt discovery control plans and align discovery rules more closely with the Texas Rules of Civil Procedure to limit costly, open-ended discovery. Both bills were left pending after no public testimony. SB 3059 would transfer oversight of the Alamo from the General Land Office to a new Alamo Commission beginning in 2027; Senator Campbell said it would provide long-term stewardship and transparency, while Senator Birdwell questioned the need for a change and the commission’s structure, and GLO witnesses said they were not aware of any problem prompting the shift. HB 1130, a House companion to a previously passed Senate bill, would provide liability protections for cavern entities that post warning signs, and it was also left pending. A major portion of the meeting focused on SB 2713, which would bar professional or trade associations from denying membership or access based on protected characteristics or lawful speech and assembly. Senator Middleton and invited witnesses described disciplinary actions by realtor associations against members for social media posts, sermons, or political speech, arguing that the National Association of Realtors’ ethics rules were being used to punish private expression and threaten livelihoods through loss of MLS access. Committee members and witnesses discussed whether the bill should be narrowed to avoid affecting religious organizations, how association discipline works, and whether the measure should address existing penalties or only future conduct. The bill was left pending after extensive invited testimony and committee discussion.

Transcript Highlights:

• structured literacy. structured literacy.
• <00:19:51.840> for support building support structure for support building support structure
• strong implementation structures. strong implementation structures.
• <01:03:43.120> literacy evidence-based structured literacy evidence-based structured literacy
• reading, evidence-based, structured reading, evidence-based, structured literacy<01:09:54.360>

Keywords: 1187, senate, all

Transcript Highlights:

• So, it doesn't look like structure.
• We need structural and pervasive.
• > of structure.
• That existing structure of structure.
• end quote means a structure structure end quote means a structure existing<05:14:48.160> on<05

Keywords: 928, house, all

Summary: The committee heard public testimony on HB 1065, a housing bill that would clarify when multifamily and mixed-use housing may be allowed on commercially zoned land, define infrastructure standards, and preserve municipal discretion over where such development can occur. Prime sponsor Representative David Priest said the bill is intended to help address the housing shortage by using already developed commercial areas without overriding local planning. The New Hampshire Municipal Association, through Brody Dees, said it supports the bill and views it as a priority, but noted it is still discussing related language with stakeholders and wants clearer definitions for multifamily development, infrastructure, and adaptive reuse while preserving local control over commercial land use. Testimony was mixed. Ivy Van, a certified planner, opposed the bill because she said the infrastructure language is too restrictive and could exclude properties served by private utilities or septic systems. Chris Freeman, a housing provider, was generally supportive but recommended technical changes, arguing the infrastructure definition may be too broad and that the adaptive reuse language could unintentionally block useful building modifications. He said the bill should be clarified so it does not discourage reuse projects. The committee then moved to discussion of an accessory dwelling unit bill, with Representative Turkot describing changes that would shift some ADU approvals from a matter of right to conditional use or special exception, allow municipalities more control over attached versus detached units, set parking standards tied to single-family dwellings, and adjust size limits. He argued the bill would restore local discretion and prevent ADUs from becoming primarily rental units. Representative Reed pushed back, saying detached ADUs can help meet housing needs and provide opportunities for small landlords, while other members questioned how the bill would affect existing detached structures and breezeways. No votes were taken in the excerpt, and the chair also noted a recess and time limits for later testimony.

Transcript Highlights:

• This policy will allow DWC to modernize and structure... Of these annually.
• So my point is there's some structure to it that makes it significant.
• Yes, we're trying to put some kind of structure in place to be able to really effectively.
• So it's a new structure, Senator. We're very clear it's a new structure.
• I guess the question is why do they need to have the new structure?

Bills: HB111

Summary: The committee heard a long series of House bills, with most measures laid out by Senate sponsors and then left pending after brief public testimony. Early bills focused on construction and licensing issues, including HB 305 on prompt payment for public construction audits, HB 5093 on restoring public access to notary contact information, HB 2037 on updating landlord-tenant repair and security deposit rules, HB 4214 on a centralized public information request contact database, and HB 5435 exempting higher education institutions from a 90-day notice requirement for certain public-private partnership projects. Testimony was generally supportive on these bills, and no votes were taken; each was left pending. The committee also considered several transparency and regulatory bills. HB 111 would expand the Public Information Act to certain nonprofit state associations and narrow some attorney-client and working-paper exceptions, with supporters arguing it would improve oversight of public funds and critics questioning the scope and thresholds. HB 5129 would protect occupational license holders’ personal identifying information from disclosure without consent, HB 4350 would allow peace officers to redact personal information from online real property records, HB 4748 would authorize multiple-award state purchasing contracts, and HB 4765 would clean up code enforcement officer licensing rules. HB 4134 would allow motor vehicle creditors to charge limited fees for electronic payment options while requiring a free alternative, and HB 1043 would direct a study of blockchain-based property title records; both drew testimony, with some concern about the practical effects and vendor implications of the blockchain study. Several bills addressed insurance, workforce, and digital-asset regulation. HB 3520 would reduce the insurance coverage required for transportation network companies during the period when a driver is en route to pick up a passenger, drawing support from Texans for Lawsuit Reform and opposition from trial lawyers who argued the higher coverage better protects the public. HB 3320 would create a self-insurance pool for religious institutions, with TDI explaining it would still be regulated but operate under a special statutory framework. HB 4233 would modernize rules for digital asset service providers by removing certain auditor-access requirements and updating reporting and licensing provisions. HB 3923 would reduce bachelor’s-degree requirements for some state jobs, though Every Texan argued low pay, not degree requirements, is the main driver of turnover. HB 4518 would create a legal structure for decentralized unincorporated nonprofit associations tied to blockchain governance; business law experts opposed it as unnecessary and potentially risky, while crypto advocates supported it. Finally, HB 1803 would join an interstate compact for dentists and dental hygienists, with supporters citing workforce shortages and opponents saying Texas already licenses quickly and that the compact could weaken state oversight. Throughout the hearing, the committee repeatedly closed testimony and left bills pending, and a quorum was eventually established before later items were heard.

Transcript Highlights:

• Our statute talks about insured value of the structure.
• building code had wind-driven structural damage.
• For example, roof covers did not perform as well as the structures themselves.
• building code had wind-driven structural damage.
• So that's currently the way we are structured. So that's currently the way we are structured.

Summary: The Banking and Insurance Committee heard a series of presentations focused on mitigation, flood and wind resilience, and insurance discounts. Kevin Guthrie of the Florida Division of Emergency Management outlined several funding streams for mitigation, including federal Hazard Mitigation Grant Program dollars, BRIC grants, flood mitigation assistance, and the state hurricane loss mitigation program. He emphasized the new Elevate Florida initiative, which will use about $400 million initially to elevate or reconstruct flood-prone homes, starting with National Flood Insurance Program properties and severe repetitive-loss homes, with no current per-home cap. Guthrie said the state will contract directly with licensed vendors and aims to reduce future flood losses, lower insurance costs, and keep properties on the tax rolls rather than relying on buyouts. Insurance Commissioner Mike Yaworski described Florida’s windstorm mitigation discount program, explaining that the 1802 inspection form is used to assess a home’s overall “envelope” and determine statutory discounts. He said the office is updating the program based on a new wind loss study, with likely changes including greater recognition of roof types such as metal roofs and possible territorial risk adjustments. He also said the Legislature now requires the office to revisit the study every five years. Stephen Fielder of the Department of Financial Services reported on My Safe Florida Home, noting that the program offers inspections and grants for roof and opening protections, has completed more than 100,000 inspections, and has reimbursed hundreds of millions of dollars. He said the department has validated its discount calculations with insurers and that the program is intended to help homeowners reduce premiums through verified mitigation work. Michael Newman of the Insurance Institute for Business and Home Safety said Florida’s building code is nationally leading and that post-Ian surveys found no wind-driven structural damage in buildings built after adoption of the code. He argued that mitigation should be treated as a system, not isolated upgrades, and suggested adding Fortified designation to the state’s mitigation form to better document verified resilience improvements. Bill Truex, a county commissioner and builder, stressed the need to educate homeowners about floodproofing and roof choices, citing examples where flood panels prevented damage and noting that asphalt shingles often do not last as long in Florida as their marketing suggests. In panel discussion, senators asked about program eligibility, outreach to elderly and digitally challenged residents, contractor vetting, roof-life disclosures, and whether flood insurance should be more broadly required. Officials said outreach will include call centers and in-person assistance, and several participants urged better consumer disclosure and more data-driven guidance on roof and mitigation choices.

Transcript Highlights:

• It is a structurally deficient bridge.
• :46.400> are<00:21:46.559> these how structurally efficient are these how structurally
• <00:22:33.039> So considered structurally deficient.
• So considered structurally deficient.
• <00:23:00.720> There's structurally deficient list. There's structurally deficient list.

Keywords: 1189, house, all

Transcript Highlights:

• I'm going to build on the comments we made in our committee hearing last week on the overall structure
• Do you want the funding to go deep and have fewer structures that are protected but have more of them
• If we wanted to prioritize structure risk mitigation as compared to watershed.
• And you or anybody else that wants to, the proximity to the structure that, the structures that we're
• Many buildings are old and inefficient, lacking operational and structural efficiencies.

Keywords: 988, house, all

Transcript Highlights:

• Uh, we've reduced that projected structural imbalance by 45% in this first year, meaning we don't have
• Um, all of those things and in a budget situation where we had some structural issues that needed to
• to an agreement on is that structural to an agreement on is that structural imbalance<00:02:20.800
• situation where we had some structural situation where we had some structural issues<00:03:15.920
• reduction in the structural imbalance. reduction in the structural imbalance.

Keywords: 1183, house