Transcript Highlights:

• , Energy, geothermal is renewable, Energy, geothermal is renewable, reliable,<00:02:28.879> and
• <00:04:41.360> fuel along with petroleum and renewable fuel along with petroleum and renewable
• That is the process that exists.
• It is not is the process that exists.
• During that process, we voter study.

Bills: HF4348, HF4186, HF4202, HF4455, HF3884, HF3883, HF3882, HF3881, HF2688, HF3295, HF3862, HF3362, HF4242, HF3798

Keywords: HF4186, Minnesota local government finance, housing and redevelopment authority, HRA, public investment authority, qualifying government, State Board of Investment, SBI, index mutual fund, multifamily housing development, long-term equity investment, investment-grade fixed income, federally insured securities, government-sponsored entities, municipal investing, local government investments, housing finance, public funds, investment policy, risk of loss

Transcript Highlights:

• All right, Representative Nelson renews All right, Representative Nelson renews his<00:10:28.680
• <00:14:14.160> his All right, Chair Anderson renews his All right, Chair Anderson renews his
• In addition, I think the process, and maybe Mr.
• So, with that, Madam Chair, I would renew my motion to support the DE4.
• So, with that, Madam Chair, I would renew my motion to support the DE4.

Bills: HF3548

Keywords: farm assistance, down payment, agriculture, state funding, loan modification, 1183, house

Summary: The Agricultural Finance and Policy Committee met on April 15, 2026, approved the April 13 minutes with a correction to Assistant Commissioner Peter Kesset’s name, and then took up House File 3548. The bill, moved by Chair Anderson for re-referral to Ways and Means, centered on the farmer down payment assistance program and the Department of Agriculture’s budget and policy provisions. Anderson described the DE4 amendment as compromise language that reserved up to 25% of funds for applicants with purchase contracts, removed a proposed marijuana exclusion, and allowed appropriated funds to remain available through June 30, 2030 rather than reverting to the general fund at the end of the biennium. Laura Schreiber of the Land Stewardship Project testified in support, emphasizing the importance of keeping funds available and urging that grants remain capped at $20,000 so more farmers could participate. The committee then adopted several amendments. A23, described as the governor’s budget request and department policy bill, was adopted and included moving the Emerging Farmers Office into the Agricultural Marketing and Development subdivision, combining some reports into the Agri report, and addressing delegated authority with MDA. A17, allowing certain eggs past their quality assurance date to be donated to food shelves under specific handling requirements, was adopted. A18, adjusting per diem rates for certain non-representative committee members, was adopted. A19, shifting about $20,000 to support farm land transition services such as mediation, contracts, financial planning, tax preparation, estate planning, and housing assistance, was also adopted. A22, which combined funding for wolf depredation claims and the local food purchasing program, drew the most debate. Representative Smith questioned why the two items were combined and sought to divide the amendment, but staff said that would be problematic because the funding changes were interdependent. Supporters said the amendment would pay about 80% of wolf-loss claims and add money for local food purchasing, while opponents argued the local food need was greater and the wolf depredation approach was not the best use of funds. The roll call on A22 was confusing in the transcript, but the amendment ultimately prevailed. A21, which would have removed a physical-contact requirement for farm cervidae containment, failed on a 7-7 tie after opponents argued it would weaken disease protections and supporters said the fencing costs were driving deer farmers out of business. Hansen then declined to move A24, which would have advanced a paraquat ban, saying there was no agreement and he did not want a negative vote at that time. After the DE4 as amended was adopted, the committee took a final roll call on House File 3548 as amended. The bill failed on a 6-8 vote and was laid over. In closing, members on both sides said the bill contained useful provisions for farmers, but disagreement over the unresolved paraquat issue prevented the committee from advancing it.

Transcript Highlights:

• renewable diesel over AF.
• renewable diesel over AF.
• renewable diesel over AF.
• Renewable diesel over AF.
• process.

Keywords: 958, all

Summary: The task force approved the October 14, 2025 meeting minutes and then heard a presentation from Austin Kaylor of WSP on alternative aviation fuels. Kaylor described an ongoing feasibility study focused on Cincinnati/Northern Kentucky International Airport and the other four commercial airports in Kentucky, with an eye toward both near-term use of alternative aviation fuel in existing supply chains and longer-term in-state production using local feedstocks. He said Kentucky’s current jet fuel use at the five airports is about 609 million gallons annually and could approach 1 billion gallons by 2050, and he outlined potential feedstocks such as soybeans, corn, and waste oils, along with existing logistics assets like river terminals, trucking, rail, and some pipelines. He also discussed federal and state policy support, including renewable fuel credits and the recent 45Z tax credit extension, and said the study suggests significant economic-development potential if Kentucky can leverage existing infrastructure and incentives. Members asked about the cost of sustainable aviation fuel, whether taxpayers would be subsidizing it, and whether food crops would be diverted from food use. Kaylor responded that the market is increasingly using second-generation and waste-based feedstocks, that federal incentives can cover much of the price differential, and that SAF is a direct substitute for conventional jet fuel with some efficiency benefits. He said demand comes from both U.S. and foreign carriers, including major U.S. airlines that have made emissions-reduction commitments. Members also raised the possibility of locating production in Appalachia to create jobs closer to feedstock sources; Kaylor said that approach has worked in other states and could fit Kentucky’s logistics network. The committee then heard from Leif Elder of the Utah Department of Transportation, who introduced himself and said he would discuss advanced air mobility legislation in Utah. The transcript cuts off before his substantive presentation, and no further votes or actions were recorded after the question-and-answer discussion on alternative aviation fuels.

Transcript Highlights:

• Additionally, the auditor's review of the board's initial and renewal application process found that
• Additionally, auditor's review of the board's initial and renewal application process found that a single
• and renewal applicants.
• We process the mail. We apply it to accounts. Wednesday. We open the mail. We process the mail.
• Can you tell me about the process now? Madam Chair. Yes. Can you tell me about the process now?

Keywords: 1182, all

Transcript Highlights:

• Chairman, of renewable development account appropriations.
• Chairman, of renewable development account appropriations.
• Chairman, of renewable development account appropriations.
• c> renewable development account renewable development account separate<00:08:07.320> appropriations
• hydrogen renewable energy certificates. hydrogen renewable energy certificates.

Keywords: 1187, senate, all

Transcript Highlights:

• be specified, that the process that be used is the alteration terrain permit review process.
• But what it does prohibit is the permit notification process, which is an abbreviated process.
• , which is an notification process, which is an abbreviated<00:10:23.600> process.
• abbreviated process. abbreviated process. in<00:10:25.839> instead<00:10:26.320> it
• <00:10:33.920> Thank terrain permit review process. Thank terrain permit review process.

Keywords: 928, house, all

Summary: The committee met on April 14 and began by welcoming a new member, Representative Samban Denier, who briefly described his background as a Clarkson University environmental engineering graduate and Air Force veteran. The committee then moved into a work session on five energy-related bills, starting with Senate Bill 65 on stormwater management for solar arrays. Representative McGee presented amendment 1594H, which would exclude projects in shoreland areas from the bill’s permit-by-notification process and require the standard alteration-of-terrain permit review instead. Members asked for clarification, and McGee explained the amendment was requested by the New Hampshire Lakes Association and others to preserve the fuller review process for shoreland projects. The committee appeared satisfied with the explanation and moved on. The committee next discussed Senate Bill 230 on electric utility restructuring and investment in distributed energy resources. Members concluded that section one was unnecessary because a better definition of advanced nuclear resources had already been added to House Bill 710, and that section two would allow investment in advanced nuclear resources in a way they had already rejected in another bill due to ratepayer risk. Several members agreed the bill was redundant and supported an ITL motion. They also discussed Senate Bill 232 on net metering terms and conditions, focusing first on whether hydroelectric generators could be listed in ISO New England while also taking net metering credits. Granite State Hydropower Association representative Heidi Kroll testified that generators are subject to checks and balances, that double-dipping is not occurring, and that rules and tariffs already require participation in one market arrangement or the other. Discussion on Senate Bill 232 then shifted to section two, which would bar retroactive changes to net metering tariffs in place as of January 1, 2025. Representative McGee proposed alternative language to protect existing customer generators, group hosts, and municipal hosts from retroactive changes, while others said the language was needed to provide stability for current participants operating on thin margins. Some members supported the clearer wording; others argued the committee should not tie the hands of the PUC and DOE, noting future circumstances could require regulatory flexibility and that conflicts could be resolved in court if necessary. The committee did not take a final vote in the portion of the meeting provided, and the discussion was still ongoing when the transcript ended.

Transcript Highlights:

• It's our main source of funding for facility renewal and upkeep.
• Chair, this is more of a process question for maybe Mr. Lee on fiscal notes.
• Historically, the renewal and renovation of these buildings was also funded by the bonding process.
• We need to do that through accommodation of renewal, replacement, renovation, and demolition.
• This funding renews building envelopes, your roofs, and your windows.

Bills: HF3220

Keywords: school safety, school security, emergency access, law enforcement access, master key box, secure key box, entry device, school grants, education finance, Department of Education, charter schools, school districts, cooperative units, appropriation cancellation, one-time appropriation, school safety plan, emergency preparedness, public safety, school building security

Transcript Highlights:

• Alan McBride in the early stages of this process really was instrumental in making changes.
• So we're going to have a process going forward.
• So we're going to have a process going forward.
• So we're going to have a process going forward.
• have a process going forward. have a process going forward.

Bills: HB381, HB259, HB393, HB399, SB358, SB362, SB363, SB348, SB187

Keywords: 923, senate, all

Transcript Highlights:

• know that during the drafting process know that during the drafting process the<04:13:48.800>
• The renewable energy fund is intended to support renewable energy initiatives.
• some of that went into the renewable some of that went into the renewable energy<05:32:06.558>
• If I knew the renewable energy fund incentivizes critical renewable energy projects in New Hampshire
• If I knew the renewable energy fund incentivizes critical renewable energy projects in New Hampshire

Keywords: 1189, house, all

Transcript Highlights:

• So every six months we will have that population will have to go through a renewal process.
• However, this decreases that and requires individuals to go through that renewal process every six months
• However, this decreases that and requires individuals to go through that renewal process every six months
• However, this decreases that and requires individuals to go through that renewal process every six months
• An 18 to 45 or more month process.

Keywords: 912, senate, all

Summary: The joint informational briefing by the Health and Human Services and Commerce and Consumer Protection committees focused on projected impacts to Hawaii consumers from federal changes affecting Med-QUEST and the ACA marketplace, including the loss of ACA premium tax credits, OBVA/HR1-related Medicaid changes, immigrant eligibility restrictions, and new Medicaid work/community engagement requirements. Committee members noted the meeting was being streamed live and emphasized the need to explain potential coverage losses affecting a significant share of the state population. Med-QUEST administrators reported current enrollment at 390,766, about 27% of Hawaii’s population, and broke that down into major groups including roughly 128,000 ACA expansion adults and about 52,000 parent/caretaker relatives. They said the expansion adult population would be most affected by the new federal requirements, which will shorten renewal periods from 12 months to 6 months and impose community engagement rules beginning in late 2026 and 2027. They described the work requirement as 80 hours per month of work, community service, work program participation, or half-time education, with an income-based pathway tied to $580 per month at the federal minimum wage; they also noted a long list of exemptions, but said many details are still awaiting federal guidance and rulemaking. The administrators said federal changes to immigrant eligibility would eliminate Medicaid coverage for certain noncitizen categories, with an estimated 1,200 to 2,400 people affected, though about 200 may remain covered through a state-funded program for otherwise eligible individuals. They also said marketplace subsidies would no longer be available for some immigrants under 100% of the federal poverty level starting January 1, 2026, with further restrictions expected in 2027. For Hawaii overall, they estimated the new Medicaid work and renewal rules could push an additional 19,000 to 38,000 people into uninsured status, with another estimated 6,000 at risk from the six-month renewal process alone. Members asked about how exemptions would be determined, especially for medically frail and seriously mentally ill individuals, and administrators said they were still awaiting detailed federal rules and were working on data-matching and verification processes to reduce coverage losses.

Transcript Highlights:

• important because it's about process important because it's about process it's<01:16:15.960>
• It's a process.
• It's about a process.
• It's about a process.
• It stopped that process.

Keywords: 910, house, all

Transcript Highlights:

• Uh, it distracts from priorities such as renewable energy, reliability, and resilience.
• , reliability, and renewable energy, reliability, and resilience. resilience. resilience.
• process, can you explain that briefly? process, can you explain that briefly?
• in renewable energy possible advances in renewable energy technology,<00:25:27.240> consider,
• This is the renewable energy income tax credit bill.

Bills: SB3326

Keywords: renewable energy, energy storage, cost reduction, public utilities commission, Hawaii energy policies, 910, house, all

Summary: The joint committees on Energy and Environmental Protection and Labor heard SB 3326, a bill concerning a study of separating transmission from generation in Hawaii’s electric system. Testimony was largely opposed. Life of the Land argued that true separation on an isolated island grid has not been shown to work anywhere and said the bill would waste taxpayer money. Hawaiian Electric and the Public Utilities Commission also opposed the measure, saying Hawaii already uses competitive bidding for new generation, that the bill would add cost, complexity, and reliability risks, and that a new study would duplicate prior work. In response to questions, the PUC explained its existing competitive bidding framework and said it had not seen an island system fully restructure in this way. The chair then amended the bill’s intent to require the PUC to open a proceeding for an independent, comprehensive analysis of the state’s energy pathways, including cost reduction, financial risk, state energy goals, and reliability, rather than narrowly focusing on separation. Both committees voted to pass SB 3326 SD2 with amendments, with the Energy committee adopting the recommendation unanimously and the Labor committee adopting it with one reservation and two no votes. The Energy and Environmental Protection Committee then took up SB 2497 SD2, which would require electric utilities other than cooperatives to provide transparent, publicly accessible customer bill impact analyses and annual reports to the PUC. The Department of Commerce and Consumer Affairs and the PUC offered comments, with the PUC supporting the intent. Life of the Land said the proposed disclosure requirements would be too complex for most ratepayers to use meaningfully, while Hawaiian Electric said the bill could raise costs and slow projects, though it acknowledged some of the language changes and said much of the information is already available through existing planning and regulatory processes. Hawaii Clean Power Alliance and one individual testified in support. No vote was taken on SB 2497 SD2 during the excerpt. The committee also heard SB 3183 SD2, which would bar higher-income taxpayers from claiming the renewable energy technologies income tax credit for certain residential solar systems and would change refundability rules. The Department of Taxation, the Hawaii State Energy Office, and the Tax Foundation offered comments, while the Hawaii Solar Energy Association and numerous companies and individuals opposed the bill. Opponents raised concerns about impacts on financing models and the solar market. Members asked the Department of Taxation for data on how credits are claimed by homeowners versus third-party owners and on the refundability of the credit; the department said it did not have the information immediately available but would follow up. The chair indicated decision-making would likely be deferred to allow further review, and no vote was taken in the excerpt.

Transcript Highlights:

• Historically, the renewal and renovation of these buildings was also funded by the bonding process, the
• Every little bit helps. renews building envelopes replaces renews building envelopes replaces Plumbing
• peer review process.
• peer review process.
• <01:30:04.199> of preservation we are in the process of preservation we are in the process

Keywords: 1187, senate, all

Transcript Highlights:

• We have a robust compliance process in place.
• But I can share with you that the agency had a robust process, or the department had a robust process
• process.
• And so they have to, a patient has to renew that annually.
• And the renewals, are we still doing the renewals for the qualified patients and the caregivers annually

Bills: S0688, S1414, S0186, S0902, S0196, S1574, S0878, S1092, S1032, S1684, S1686, S1760

Keywords: cytomegalovirus, education, maternal health, newborn care, infectious diseases, student health, epilepsy, seizure disorders, school safety, training requirements, medical marijuana, low-THC cannabis, neurofibromatosis, healthcare, state regulations, child care facilities, public safety, grant program, uterine fibroids, health database

Summary: The committee took up several health-related bills and confirmations. It first heard SB 1414 on congenital cytomegalovirus education, which would require the Department of Health to develop and distribute educational materials to expectant and new parents through maternity, prenatal, newborn, and OB-GYN settings; an amendment removed a section on required instruction for medical professionals, and the bill was reported favorably as a committee substitute. The committee then approved a block of appointees on tabs 2 through 7 and separately confirmed Chavon Harris as Secretary of the Agency for Health Care Administration after her testimony on Medicaid accountability, transparency, managed care oversight, rural health, behavioral health, and the state’s technology modernization efforts. Senators asked Harris about Hope Florida, Medicaid redeterminations, the CORE project, an anti-marijuana ad campaign at DCF, and compliance with a federal Medicaid-related court order; she said she would follow up on some issues. The confirmation was recommended favorably, with Senator Berman voting no. The committee next passed SB 186 on student health and safety, which expands epilepsy and seizure-disorder training requirements to more school personnel, including bus drivers and charter school staff, and requires seizure-first-aid posters and updated Department of Health education efforts. It also approved SB 902 on Department of Health issues after amendments narrowed the bill’s scope and added provisions on medical marijuana regulation, early childhood intervention, practitioner accountability, and autism workforce development; one speaker raised concerns about marijuana dispensary location restrictions and low-THC ratios. SB 196 creating a uterine fibroid research database was also reported favorably after an amendment protecting patient privacy; the bill drew emotional testimony from a patient describing severe symptoms and the need for more research. SB 688 on naturopathic medicine was approved after committee discussion about scope of practice, referral obligations, and whether naturopathic care should be adjunctive to conventional medicine; supporters described complementary care and access issues, while opponents worried about delayed treatment for serious disease. Later, the committee passed SB 1574, “Maddie’s Law,” to add biliary atresia screening to newborn screening using the same blood specimen already collected at birth and to launch an education campaign; parents of a child affected by the disease testified that earlier screening could have prevented severe harm. SB 878 on clinical laboratory personnel was reported favorably to address staffing shortages by allowing Florida to rely more directly on federal CLIA standards for qualified lab workers. SB 1092 on podiatric medicine was approved after an amendment narrowed it to cellular/tissue-based products and podiatrists’ use of certain therapies; the bill also addresses continuing education, informed consent, and advertising disclosures. SB 1032 on medical marijuana was amended and passed, aligning physician certification and card renewal timelines, setting 70-day and 35-day supply limits, and reducing the fee for honorably discharged veterans while preserving funding for FAMU; Senator Harrell opposed it, saying the longer timeframes were too much of an expansion. The committee also heard SB 1760 on Medicaid coverage transparency from Senator Brodeur, who said the bill focuses on accountability and fiscal responsibility, but the transcript cuts off before further discussion or action on that measure.

Transcript Highlights:

• . process to complete one range.
• I believe it's up for renewal in 2029, so we're gonna be going back through the process again.
• It was a big process, and we're about to start it over again.
• Can they renew online?
• process to notification process to the login process.

Keywords: 914, all

Transcript Highlights:

• year 27 is the budget we are currently working on, and as you know, we have a three-year budgeting process
• Then, members, the next item relates to a renewable energy production tax credit.
• I think it ranges from one cent to four cents per kilowatt hour, depending on what kind of renewable
• , the next item relates to a renewable energy production tax credit.
• Depends what kind of renewable energy you're using, how much you produce in a given year.

Summary: The meeting began with a JLBC presentation on the state budget proposal. Staff reviewed revenue changes from the April forecast, which lowered expected growth slightly, and then walked through major tax policy provisions. Those included full conformity with HR1 for the current tax year, a shift to the provisions of SB 1106 for future tax years, new deductions for retirement/pension distributions and Roth IRA contributions, an increase in the dependent credit, and a child and dependent care subtraction. Staff said the tax changes had an overall fiscal impact of about $1.4 billion over four years. They also described offsets from repealing several tax credits and exemptions, including solar-related tax breaks, a renewable energy production credit, a new employment tax credit, a refundable R&D credit for smaller employers, and a pollution-control device credit, totaling about $75 million in added revenue. Another budget item would redirect Arizona Commerce Authority Competes Fund lottery distributions to the general fund. Members asked questions about the budget’s effect on ACCESS eligibility checks, state employee health insurance funding, and cuts to one-time funding for area agencies on aging and Alzheimer’s programs. The committee then moved to caucus items on several bills. HB 2249, as amended by the Senate, would expand the parents’ bill of rights to include access to a child’s complete educational record and notice if school staff facilitate social transitioning, and would require investigation of prior violations; the sponsor concurred with the amendment. HB 2035 would require DCS and courts to identify and consider extended family for kinship foster care placement, with Senate changes shortening a reporting deadline and adding adopted family members to the definition. HB 2170 would bar state contracts for electronic or IT goods with PRC-controlled companies, with a certification requirement added in the Senate. HB 2573 would remove a waiting period for ignition interlock restricted licenses after DUI revocation and adjust psychotherapy language. HB 2415 on kratom would classify synthetic kratom as a narcotic drug and add advertising, packaging, and retail restrictions, but the sponsor intended to refuse the Senate changes. HB 2873 would let local petition sponsors withdraw municipal referendum petitions retroactively, which members noted could affect the Marana data center petition effort. The final bill discussed, SB 1798, would create a Financial Aid Awareness Program in the Department of Education to recognize schools that support FAFSA completion. Members questioned whether the department would need additional staff or resources, but no fiscal note had been provided. The meeting ended with recognition of interns and a brief photo opportunity before the caucus moved into closed session.

Transcript Highlights:

• complex processes. complex processes.
• And the legislature put forward another And the legislature put forward another process process process
• wanted to be a part of this process. wanted to be a part of this process.
• So, I'm I'm just renewable energy.
• Thank you. process, it is a public process to get process, it is a public process to get this<01:12:31.040

Keywords: 981, all

Summary: The Senate met with a quorum, approved the journal, and then proceeded out of order to consider Senate Joint Resolution 20, recognizing April 9, 2026, as Home Education Day in Colorado. Senator Pelton spoke in strong support of home education, describing it as a parent-led choice that benefits students and families. The resolution was adopted on a 30-0 vote, and the current roll was added as co-sponsors. The chamber then took up the consent calendar and passed House Bill 1229, House Bill 1244, and Senate Bill 153. HB 1229, which concerns the human-animal bond as a social determinant of health, drew three no votes from Senators Pelton, Zamora Wilson, and Baeza; the other two measures passed unanimously. The Senate also laid over third reading of bills until Friday, April 10. In Committee of the Whole, senators considered Senate Bill 72, which increases criminal penalties for assaultive conduct involving a motor vehicle and adds causing death with a motor vehicle to criminally negligent homicide. The committee adopted the report and advanced the bill on second reading. Later, the chamber laid over Senate Bill 134 and House Bill 1084 until April 10, and then took up Senate Bill 140, which would exempt certain rare disease and plasma therapies from review by the Prescription Drug Affordability Review Board. Sponsors and supporters argued the bill protects access for patients with rare diseases and prevents harm to treatment development, while opponents said it would weaken the PDAB’s affordability work and was too broad. Senators Weisman and Gonzales spoke against the bill, with Weisman citing concerns about the federal definition used and Gonzales defending the PDAB’s role in lowering drug costs; the debate continued in the transcript without a final vote shown.

Transcript Highlights:

• SB 248 adds a mandatory checkout authorization process that did not exist under last year's bill.
• mandatory checkout authorization process mandatory checkout authorization process that<00:08:59.040
• >> Then that contract is not renewed.
• >> Then that contract is not renewed.
• But I won't try to bring an amendment to... this process this process uh<00:26:05.039> I<00:26

Bills: SB209, SB248, HB122, SB99, SB209, SB248, HB122, SB99

Keywords: sales tax exemption, Consumer Price Index, local government, clothing, school supplies, emergency preparedness, Alabama Administrative Procedure Act, APA, administrative law, judicial review, agency deference, Chevron deference, de novo review, contested case, state agency, regulatory power, individual liberty, statutory interpretation, rule interpretation, license revocation

Transcript Highlights:

• Underwriting is literally the process of evaluating the risk and determining an appropriate process for
• The process of evaluating the risk and determining an appropriate process for it.
• There's DFS and their complaint process. There's a mediation process.
• Non-renewal, we don't really have a choice, right?
• So I tried to let her get through the process.

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

Transcript Highlights:

• <00:22:11.360> with and abuse of law and legal process with and abuse of law and legal process
• so that the the licenses the renewals so that the the licenses the renewals are<00:53:20.640>
• So it wouldn't be a renewal.
• So it wouldn't be a renewal.
• So it wouldn't be a renewal.

Keywords: 1189, house, all