Transcript Highlights:

• or co-owners of the property for two or more years.
• or co-owners of the property for two or more years.
• a owner or co-owner of and who have been a owner or co-owner of the<03:10:50.279><c> property</c><03:
• </c><03:14:01.600><c> owner</c> home of being listed as a property owner home of being listed as a property
• </c><03:30:28.720><c> if</c><03:30:28.920><c> they</c> property owners and figure out if they property

Committee: House Municipal and County Government

Transcript Highlights:

• While legitimate use of real estate wholesaling can provide a needed option to some property owners,
• This lack of transparency can leave property owners vulnerable.
• An individual has a distressed property. Maybe they inherit a property.
• Also, these properties are the properties. wholesalers undertake.
• And then the new owner, who is a lower-income person, does buy the property only to realize all of its

Committees: House Economic Development , House Joint Committee on Rural Economic Development

Transcript Highlights:

• No property owner will be liable for damages caused by an infestation of bed bugs, provided they comply
• They notified the property owner.
• In my opinion, the property owner did not, or the condominium association rather, did not respond as
• So we’ve actually in Worcester have leaned on the sanitary code as requiring the property owner to temporarily
• It's completely unfair to the animals and their owners.

Committee: Joint Joint Committee on Housing

Summary: The Joint Committee on Housing heard testimony on several housing bills, with much of the discussion focused on seasonal communities and funding for year-round housing in places like Martha’s Vineyard, Nantucket, Cape Cod, and the Berkshires. Speakers supported bills including H. 4410/S. 966 and related seasonal communities legislation, which would allow local option real estate transfer fees and expand tools for towns to preserve and create affordable housing. Testimony emphasized severe housing shortages, high home prices, workforce displacement, and impacts on public safety, schools, health care, and local businesses. Many witnesses said the transfer fee would provide a sustainable local revenue stream, citing prior land bank models on Nantucket and Martha’s Vineyard as proof the approach can work. The committee also heard testimony on H. 3989 regarding seasonal community designation, with supporters arguing that towns should be included automatically or through a simpler opt-in process, and on H. 4568 to expand the Family Self-Sufficiency Program, which would broaden access to a federal voucher-based savings and self-sufficiency model. Senator Edwards testified in support of a bill to create training for municipal board members, describing it as a toolkit to improve informed local decision-making. Senator O’Connor testified for a bed bug bill, saying it would create clearer landlord and tenant notification and treatment requirements and provide needed legal guidance after his family’s experience with an infestation. Senator Lovely also testified for the Homeworks program, which provides transportation so homeless children in motels and shelters can attend after-school activities. The committee further heard testimony on a bill to fund housing in seasonal communities through a transfer fee and on a companion measure to expand the seasonal communities toolkit, with repeated calls for favorable reports. Witnesses from public safety, health care, housing nonprofits, schools, and local government described staffing shortages and housing insecurity as urgent problems. Later, the committee took testimony on H. 1559/S. 102 to maintain stable housing for families with pets, with animal welfare groups supporting protections against eviction, breed discrimination, and excessive pet rent. They said housing-related pet surrenders are a major driver of shelter intake. The hearing also included testimony on H. 1498 to limit criminalization of homelessness, which would restrict citations, fines, and related consequences for outdoor camping tied solely to homelessness.

Transcript Highlights:

• First, land owned by a nonprofit land bank is exempt from property tax.
• from property tax or leasehold excise tax.
• from property tax or leasehold excise tax.
• For example, if a city approves a conditional deferral, the property owner must apply to the department
• For example, when the owner applies to the department for the deferral certificate, the owner must submit

Summary: House Finance heard several bills and took no recorded votes. HB 2367 would end special tax and emissions exemptions for the Centralia coal plant by limiting its Climate Commitment Act exemption to pre-2026 emissions, removing limits on additional greenhouse gas requirements, and repealing coal sales and use tax exemptions. The sponsor, Rep. Fitzgibbon, said the bill would help keep the plant’s transition to cleaner natural gas generation on track; Climate Solutions supported it, while business and clean-energy groups raised concerns about allowance-market impacts and asked for amendments to adjust the cap-and-invest allowance budget. HB 1974 would authorize public housing authorities, public corporations, and nonprofits to operate as land banks for affordable housing, give them priority for tax-foreclosed properties, and provide property tax, leasehold excise tax, and REET exemptions for land bank transactions. Rep. Hill said the bill was narrowed to reduce fiscal impact and support existing land banking work in Spokane; supporters said it would lower land costs and speed affordable housing development, while questions focused on how public land would be used and whether affordability should be permanent rather than limited to 30 years. HB 2650, a Department of Revenue request, would standardize notice and effective dates for local REET and lodging tax changes and clarify documentation for an affordable housing sales tax deferral. DOR supported the bill as an administrative efficiency measure, and there was no opposition testimony. HB 2626 would raise the premium tax on health maintenance organizations, health care service contractors, and self-funded multiple employer welfare arrangements from 2% to 3%, remove a dentistry-related exemption, and add a new 1% tax on certain disability and group stop-loss insurers. The sponsor said the bill is intended to help fund Apple Health and subsidies amid federal funding concerns; insurers and business groups opposed it as a cost increase likely to be passed on to consumers and employers, while patient and advocacy groups supported the revenue idea but urged that funds be dedicated to subsidies or other health care supports and that pass-through to consumers be prevented.

Transcript Highlights:

• for four years after a property owner prevails in a property tax appeal, unless there is a change in
• use or ownership of the property, a property split, or a taxable improvement to the property.
• during the four-year exemption period, to assess the applicable property tax on the improvement for
• inspections and provide inspection reports to property owners.
• Additionally, it exempts the specified agricultural property from on-site inspections for three years

Summary: The caucus meeting on Friday, June 12, reviewed several bills on Blue Sheets 16, 17, and 18, with sponsors generally concurring in Senate amendments. On property tax and agricultural inspection bills, HB 2104 and HB 2105 were described as creating temporary limits on county assessors’ ability to reclassify or inspect agricultural property after a successful appeal or recent inspection, while preserving assessor authority for changes in use, ownership, splits, or taxable improvements. HB 4117, concerning religious worship assemblies, was amended by the Senate to focus on intentionally obstructing entry or exit from a place of worship or creating a disruptive commotion. HB 2311 would require AI conversational systems to notify users they are interacting with AI and add other consumer protections, and HB 2477 would conform Arizona’s 529 plan rules with federal law and allow certain rollovers to ABLE or Roth IRA accounts. The meeting also covered HB 2114, which directs motorcycle safety fund spending toward education and scholarships and ties motorcycle registration requirements to Class M licensing, with Senate changes narrowing the registration provisions and exempting business-owned motorcycles. HB 2729 was broadened by the Senate from continuing only the Nursing Board to also continuing DES, the Board of Occupational Therapy Examiners, the Physician Assistants Board, and the State Board of Pharmacy, with members noting this kind of consolidation is common at the end of session. All of these bills were presented for concurrence, and no objections or substantive questions were raised. The caucus then reviewed three additional measures that had just come through rules: SB 1618, which revises military affairs statutes, creates procedures for military installation fund property acquisition, changes commission duties and membership, and adds reporting requirements; SB 1110, which creates a Department of Corrections home confinement program for certain inmates nearing release; and SCR 1004, which would, subject to voter approval, restrict photo enforcement systems unless a contract existed before December 31, 2026. Members clarified that the House mirror of the photo enforcement measure had not advanced. The meeting ended with notice that more caucus or rules activity could occur later in the day as the chamber moved bills to the floor on sine die.

Transcript Highlights:

• I am also a former owner of an adult family home and the current owner of an in-home care agency serving
• I am also a former owner of an adult family home and the current owner of an in-home care agency serving
• Cities and towns can charge connection fees to property owners seeking to connect to the water or sewer
• owners bear their equitable share.
• Cities and towns can charge connection fees to property owners seeking to connect to the water or sewer

Summary: The Senate Housing Committee heard public testimony on several bills. SB 6091 would prohibit real estate brokers from marketing residential properties to limited or exclusive groups unless the listing is also marketed to the general public and all brokers, with exceptions for health or safety and private party sales. The sponsor and supporters, including Washington Realtors, Habitat for Humanity, Zillow, the Fair Housing Center, and others, said the bill promotes transparency, competition, and fair housing by preventing “pocket listings” and insider access. Opponents, including Compass representatives and some brokers, argued it would limit homeowner autonomy, harm privacy-sensitive sellers such as seniors, and create legal risk for brokers; the Attorney General’s office said it supported the competitive goal but wanted a different enforcement mechanism than WLAD. The committee later closed testimony on SB 6091 without taking final action in the hearing. The committee also heard SB 6200, which would allow tenants and residents in manufactured home communities to install portable cooling devices, subject to safety, code, and electrical restrictions, and would require landlords to notify tenants of their rights and limitations. The prime sponsor and many public health, tenant, and climate advocates said the bill is needed to prevent heat-related illness and death during extreme heat events, especially for renters in older or low-income housing who lack built-in cooling. Landlord and property management groups supported the idea of portable floor units but raised concerns about window-mounted devices, citing fall hazards, property damage, and insurance issues. Testimony emphasized that the bill includes liability protections for landlords and is intended as a narrow public health measure. The committee then heard SB 6096, which would require cities and towns collecting water and sewer connection charges to offer a deferred payment option for qualifying residential construction until final inspection or certificate of occupancy. The sponsor and builders’ groups said deferral would reduce upfront financing costs and help housing production. Cities and utility districts opposed the bill, arguing it shifts financial risk to utilities and ratepayers, complicates infrastructure planning, and could delay or reduce needed system investments. Finally, the committee heard SB 6153, which would create a senior independent housing ombuds program, require registration of senior independent housing facilities, and make certain landlord-tenant violations subject to Consumer Protection Act enforcement. The sponsor said the bill responds to complaints from seniors in independent living settings who lack an ombuds or other practical recourse, while staff noted the bill carries an estimated $4.4 million biennial fiscal impact.

Transcript Highlights:

• , which is driven or attended by any person to make restitution to the vehicle or property owner for
• And then the property owner may struggle to be able to tell them that they need to leave.
• They received mail there and that intention overrode the intention of the property owner and when they
• It clarifies it draws brighter lines so that the guest, the property owner and law enforcement had a
• rights of the hotel year or the owner of the property are respected as well.

Transcript Highlights:

• I represent a number of interests, including property owners and several cities throughout Texas.
• The property owners have no remedy because if they try to sue, they can't get jurisdiction.
• The property owners suffer, and business can't go on. It’s a very bad situation.
• It was zoned industrial, and it could be commercial, but the property owner lost a $10 million sale to
• owner what they can put on their property. ...and not follow the law doing it.

Bills: HB148 , HB334 , HB554 , HB762 , HB1520 , HB1593 , HB3526 , HB3810 , HB5092 , SB2215 , HB2607 , HB148

Committee: Senate Local Government

Transcript Highlights:

• and the RSA own the property, but hopefully that just turns into the CBC—the property owner or owners
• So then it goes to the property owner.
• So then it goes to the property owner.
• If there's no registered voters, it goes to property owners.
• The actual representatives of the two property owners.

Committee: House Special Committee on Intergovernmental Affairs

Summary: The committee heard House Bill 2934, which would consolidate the St. Louis Convention and Visitors Commission and the Regional Sports Authority into a single reconstituted board to govern the Dome and Convention Center complex. The sponsor and supporters said the bill would modernize governance, clarify tax revenue use, and create a convention district funding structure without imposing new general taxes on residents or businesses. Testimony emphasized the facilities’ economic impact, including about $205 million annually, roughly 120 full-time jobs and over 4,000 part-time jobs, and support from Explore St. Louis, hotel interests, the RSA, St. Charles County, and Greater St. Louis, Inc. Committee members asked detailed questions about board representation, ownership, liens, and the proposed sales tax and special assessment tools; supporters said the taxes would apply only within the district, be capped, and be used for maintenance and operations. No opposition testimony was offered. The committee then heard House Bill 2559, the REINS Act, which would require affirmative legislative approval for administrative rules with fiscal notes over $250,000 before they could take effect. The sponsor and an Americans for Prosperity witness argued that major rules should not become binding without a vote of elected lawmakers, especially after Missouri’s recent move away from judicial deference to agencies. They said the bill would strengthen checks and balances, with emergency rules and rules needed for federal compliance exempted. Members questioned the $250,000 threshold, how it would work procedurally, and whether agencies might try to avoid the trigger; the sponsor said the process would shift major rules from an opt-out to an opt-in framework through concurrent resolution. No vote was taken on the bill in the transcript. The committee also heard House Bill 2928, which would add certification by the United States Concealed Carry Association as an approved qualification for concealed carry instructors in Missouri. The sponsor said the change would simply expand the list of recognized instructor credentials alongside NRA and law enforcement certification, and members asked about the state registry and sheriff’s role in verifying instructors. House Bill 1752 was then heard, a fire protection district ethics measure requiring surplus property to be sold through sealed bid or an approved online auction platform such as govdeals.com. The sponsor and a fire district witness said the bill was meant to prevent improper sales to insiders and ensure transparent disposal of public property; several members supported it and suggested it could be a consent bill. The transcript ends with the committee concluding its hearing after no opposition or informational testimony on HB 1752.

Transcript Highlights:

• Yeah, the buyer eventually will become the property owner, and which form, which name it is listed under
• Secondly, it requires park owners to provide residents with timely access to the property after any evacuation
• Current law does not require the owner to communicate with us, access the property, or assess the property
• It doesn't tell an owner what they need to do with their property.
• I understand it's also a property of the owners. I get that too.

Committee: Senate Judiciary

Summary: The committee heard several bills, with testimony largely focused on child safety, immigrant community transparency, agricultural land security, consumer protection, estate transfers, detention commissary pricing, and public works wage enforcement. SB 1234 would require fentanyl to be included in drug tests ordered by juvenile courts for parents or guardians in dependency cases; the author said it was a narrow child-safety measure, and there was no opposition. SB 1257 would require the Attorney General to publish annual reports on immigration enforcement incidents at designated safe locations; supporters said it would improve accountability and document fear in immigrant communities, while questions centered on how the data would be collected and concerns were raised about sanctuary policies. SB 1176 would bar foreign adversary entities from buying or controlling California agricultural land; supporters framed it as a national security measure, while committee members pressed the author on enforcement, who would verify buyers, and possible discriminatory application. The bill was moved on a 2-4 vote and placed on call after the author said he would work on clarifying responsibility and nondiscrimination concerns. The committee also heard SB 1146, which would require clear disclosure when AI-generated or altered images, audio, or video are used in health-related advertisements depicting health care providers. The California Medical Association and California Dental Association supported the bill, saying it would curb deceptive deepfake ads and protect consumers; it passed unanimously, 7-0. SB 988 would restrict assignment of benefits in auto glass claims, require claim numbers and itemized estimates, and update repair disclosure rules to curb overbilling and steering; supporters said it would protect consumers and stabilize insurance costs, while independent glass shop concerns about steering and market concentration were discussed. The bill passed 7-0, with one member abstaining because of a conflict. SB 1288, presented on behalf of Senator Laird, would require financial institutions to make good-faith efforts to notify beneficiaries of non-probate assets and would simplify access requirements, especially for nonprofits. Supporters described long delays and burdensome account-opening requirements; SIFMA and the California Bankers Association opposed the bill unless amended, citing conflicts with federal and industry obligations and concerns about retroactive burdens. The bill passed 8-0. SB 941 would cap commissary markups in private immigration detention facilities at 35% above vendor cost; supporters said detainees often pay excessive prices for basic necessities, and the bill passed 8-0. Finally, SB 909 would raise and index public works contractor fees and penalties and dedicate more penalty revenue to enforcement; labor supporters said stronger funding is needed to address wage theft and backlogs, while contractors warned of uncapped costs and reduced transparency. The discussion continued with questions about enforcement and whether stronger penalties or license restrictions would better deter repeat violators.

Transcript Highlights:

• I just ask for your consideration today to give property owners their rights to make these decisions
• The second of all, this bill is mainly, if I put it right down to it, about property owners' rights.
• The second of all, this bill is mainly, if I put it right down to it, about property owners' rights.
• The second of all, this bill is mainly, if I put it right down to it, about property owners' rights.
• The second of all, this bill is mainly, if I put it right down to it, about property owners' rights.

Committee: Senate Economic Development, Tourism, & Labor

Transcript Highlights:

• Um and um uh to protect owner rights.
• owner whose property is seized by the police would do is have an inner plea or action in which they
• owner whose property is seized by the police would do is have an inner plea or action in which they
• and the forfeited property.
• Not the owners.<00:54:08.160><c> uh</c> owners. uh owners. uh modifies<00:54:09.839><c> this</c><00:54

Summary: The Judiciary Committee heard testimony on HB 126, which would change civil asset forfeiture law. The Attorney General’s Office, Honolulu Police Department, and county prosecutors opposed the bill’s proposed SD1, arguing that requiring a criminal conviction and changing how forfeiture proceeds are distributed would weaken or effectively end the tool, create fiscal and law enforcement problems, and make it harder to address organized crime or cases where an owner cannot be identified. The Public Defender’s Office, Community Alliance on Prisons, Drug Policy Forum of Hawaii, and other supporters argued the measure would improve transparency and accountability, protect property rights, and reduce abuses that disproportionately affect low-income people. The chair questioned law enforcement about fairness, storage of seized property, and access to counsel, and the discussion focused heavily on whether forfeiture should depend on a conviction. No vote was taken. The committee then heard HB 280, which would make the Community Outreach Court permanent and appropriate funds for it as a division of the First Circuit district court. The Department of the Attorney General and Judiciary supported the concept and described the court’s success in helping people resolve cases, clear license stoppers, recall bench warrants, and access services, but suggested amendments to remove the Attorney General from the bill’s definition and funding mechanism. The Public Defender, Department of Human Services, mental health and substance use advocates, neighborhood and community groups, and others strongly supported the bill, emphasizing its benefits for people facing housing instability, behavioral health issues, and transportation barriers. No opposition was voiced, and no vote was taken. The committee also heard HB 370, which would increase partial public campaign financing for elective offices. The Campaign Spending Commission supported the original bill and asked the committee to restore the original percentage amounts, keep the proposed funding increases, and reinstate funding for two additional full-time staff positions. Supporters said the public financing system has not kept pace with inflation and needs modernization to be viable; a few testifiers opposed the measure. The committee reported 30 in support, two opposed, and one comment, and then moved on without a vote. Finally, HB 371 was heard, a campaign contribution bill that would bar state and county contractors, grantees, and certain related persons from contributing during the contract period. The Campaign Spending Commission said the bill is intended to address pay-to-play concerns and false-name contributions, while the State Procurement Office raised concerns about the burden of requiring agencies to provide contract information for all contracts regardless of dollar value. The testimony ended with the commission saying it was working with procurement and the Attorney General on implementation details; no vote was taken.

Transcript Highlights:

• We have property owners' permission.
• We have property owners with undeveloped property that welcome the fact that they're in our CCN so they
• …where there's actually an agreement already in place between the property owner and the CCN holder.
• I mean, it's probably on a case-by-case basis with regards to every single property owner.
• I thank you. ...for the considerations of property owners as you try to deal with this task.

Bills: SB863 , SB1190 , SB1261 , SB1413 , SB1624 , SB1662 , SB1663 , SB1855 , SB1967 , SB2124 , SB2204 , SB1623

Committee: Senate Water, Agriculture and Rural Affairs

Transcript Highlights:

• You know, investing in your home or in property and real estate traditionally has been ways in which
• Is now a good time to invest in properties?
• </c><00:01:17.600><c> So,</c> time to invest in properties? So, time to invest in properties?
• </c> properties. Why is that? properties. Why is that?
• </c> property versus a primary residence. property versus a primary residence.

Summary: The discussion focused on two Minnesota Senate bills authored by the senator: Senate File 4168 and Senate File 4652. SF 4168 would give buyers of investment properties more flexibility in financing, including the ability to roll certain closing costs and lender fees into the loan, with the senator emphasizing that the measure is limited to investment properties and is not intended for primary residences. He stressed that the bill is meant to provide options, not force borrowers into any particular structure, and repeatedly distinguished it from predatory lending, saying it has nothing to do with fraudulent or abusive mortgage practices. SF 4652 addresses fraud prevention at banks by allowing account holders to designate an additional contact person who can be notified if a bank suspects suspicious activity and cannot reach the account owner. The senator described it as a common-sense, no-cost, anti-fraud measure aimed at early detection and protecting both banks and customers. He said fraud is a widespread problem and that the bill would help institutions act quickly when something appears wrong. The senator said both bills moved quickly because he wanted to get them heard and passed this session, and he noted that he was the sole author on each. He said the bills passed unanimously in both the Senate and the House. In broader comments, he credited bipartisan relationships and committee cooperation for helping the bills advance, and said the session showed House-Senate collaboration on practical legislation, with more political items being pushed toward compromise and further discussion.

Transcript Highlights:

• That's not where private property owner.
• pole owners or the people over whose property it goes.
• </c><00:48:24.960><c> third</c> property owner is between the third property owner is between the third
• I also do want to point property owner.
• 00:48:42.960><c> the</c> property owner a copy of the property owner a copy of the application.<00:48

Summary: The Administrative Regulation Review Subcommittee met in August with a quorum present and approved the prior meeting minutes without objection. The committee then reviewed several regulations, generally adopting staff-suggested amendments without objection, and heard brief explanations from agency representatives on each item. The Board of Pharmacy regulations would clarify what registered and certified pharmacy technicians may do under supervision and what certified technicians may not do, while updating registration applications. The Board of Cosmetology package included changes to executive director authority, licensure and reciprocity rules, school requirements, training hours, instructor ratios, sanitation and disease-related rules, complaint procedures, and permit terms; members asked about straight razor language and the increase in student-to-instructor ratios, and the board explained that cosmetologists are not permitted to use straight razors and that the higher ratio was intended to give schools flexibility, especially for part-time students and schools with wait lists. The Occupational Therapy emergency compact regulation added four compact rules adopted in April 2025, and Senator West raised a technical question about certification requirements under House Bill 6; the agency said it had been instructed to file the regulation as submitted. The Department for Fish and Wildlife Resources presented a package covering wildlife management area rules, a northern pintail bag limit increase, reportable disease reporting, and a repeal tied to boat registration fees. After a brief explanation of the new wildlife disease reporting rule, the agency requested and received a deferral of 301 KAR 2:031 to avoid a gap while replacement language is finalized. The Economic Development Finance Authority explained an emergency regulation for the Kentucky Entertainment Incentive Program, saying it was needed because the program had become oversubscribed and because administration was shifting to a new film office and council; members also asked about certification issues under House Bill 6, and the agency said it had filed the regulation as directed. The Department of Workplace Standards emergency PPE regulation was also discussed, with members asking about HB 6 certification language, and the agency gave the same response. The Department of Insurance regulation would create a $10,000 registration fee and a $1,000 annual licensing fee for pharmacy benefit manager licenses, with an agency amendment exempting PBMs that solely serve workers’ compensation plans. Members asked how many PBMs would be affected and why workers’ compensation PBMs were carved out; the agency said there were 70 registered PBMs total, four solely workers’ comp, and that workers’ comp rates are set by statute and could not absorb the fee. Finally, the Public Service Commission’s pole attachment regulation was summarized as a broadband-expansion measure that speeds application review, increases the number of poles allowed in a single application, and shortens dispute timelines; the commission explained it grew out of earlier legislative direction and subsequent emergency amendments, and the committee adopted the staff amendment.

Transcript Highlights:

• </c><00:03:04.959><c> ability</c><00:03:05.200><c> to</c> a property owner um has the ability to a property
• </c><00:04:31.520><c> and</c> Um we would allow for both owners and Um we would allow for both owners
• Um, then we go into owner parts. is. Um, then we go into owner parts.
• , do you actually own your own property, do you actually own your<00:14:14.320><c> property?
• </c> measures that the owner set for digital. measures that the owner set for digital.

Bills: SF0052 , SF0024

Committee: House Travel, Recreation, Wildlife & Cultural Resources

Transcript Highlights:

• </c> of that um that kind of um um property of that um that kind of um um property these<00:04:38.440
• /c><00:53:15.960><c> gtown</c><00:53:16.640><c> that</c><00:53:16.960><c> uh</c> owner of that property
• in gtown that uh owner of that property in gtown that uh prior<00:53:18.240><c> speaker</c><00:53:18.760
• owner of that association.
• owner of that association.

Committee: Senate Commerce

Transcript Highlights:

• </c> that there are many condo unit owners that there are many condo unit owners who<00:27:45.520><c>
• </c> unit owners product, the HO6. unit owners product, the HO6.
• </c><00:45:11.839><c> you're</c> and so as an individual owner you're and so as an individual owner you're
• Um so um you individual unit owner.
• </c><02:09:39.360><c> damage</c> average cost of one property damage average cost of one property damage

Summary: The joint committees held an informational briefing on efforts to expand insurance capacity in Hawaii’s property market, especially for condominium and homeowners coverage. The Insurance Commissioner reviewed the background: a legislative task force, the governor’s emergency proclamation in August 2024, and Senate Bill 1044 in May 2025 led to new condo insurance products. He said the work over the past two and a half years was producing positive results and introduced representatives from HPIA and HHRF/HHR to provide updates. HPIA’s board chair and its administrator described the organization’s history, structure, and current products. HPIA said it was created in 1991 as a residual market for homeowners insurance, now writing four residential products: HO2 homeowners, renters, HO6 condo unit owners, and dwelling fire. They reported policy counts have grown again as admitted-market carriers tightened underwriting, and they discussed financial pressure from reinsurance costs, though those costs had declined in 2025 after different purchasing decisions. They also said the market has become more favorable overall, with some capacity returning and deductibles beginning to ease. Members focused much of their questioning on HPIA’s proposed higher dwelling limits. HPIA explained that the current $450,000 limit for homeowners and dwelling fire was set in 2023, but agents are now asking for a higher limit in the $650,000 to $750,000 range because construction costs have risen and many policies are not being submitted when the limit is too low. HPIA said it has the authority to raise the limit through a filing with the Insurance Division and expects more submissions if the cap increases. They also discussed the shift in the book of business from roughly 70% lava-zone coverage to closer to a 50/50 split between lava and non-lava risks. HPIA outlined strategic initiatives: a new policy administration system that went live October 1 and now allows online payments, online claims reporting, and electronic notices; a filed request to raise the homeowners and dwelling fire limit to $650,000 effective March 1 for new business and April 1 for renewals; an increase in the HO6 condo unit owners limit from $5,000 to $100,000; and a planned commercial property all-other-perils-excluding-hurricane condo product targeted for filing by January 31. No votes were taken, and the meeting was informational only.

Transcript Highlights:

• If it is by a tenant or owner, he can come into the building department typically.
• Pete not long ago, with 300 owners and three buildings.
• So many times the property is worth more if it can be put together.
• So many times the property is worth more if it can be put together.
• I think the tensions has allowed unit owners to have more of an active voice.

Committee: Senate Regulated Industries

Summary: The Committee on Regulated Industries met for a panel discussion on current issues affecting Florida condominiums. DBPR Secretary Melanie Griffin highlighted the department’s expanded condo education, complaint, and ombudsman services under HB 1021, including new online resources, board member certification, increased outreach, and broader complaint jurisdiction. She said the division has filled most of its new positions and that the new condo website is intended to improve transparency and access to records and information. Other panelists focused on insurance, inspections, and market impacts. Insurance agent Mike Clarkson said the condo insurance market remains difficult, especially for older buildings, and raised concerns about roof replacement demands, Citizens’ depopulation practices, and the mismatch between reserve studies and insurer timelines. Building officials representative Ron Laceca described challenges with phase one and phase two inspections, including incomplete databases, limited contractor capacity, and the need for local flexibility and better recordkeeping. University of Florida researcher Bill Hughes said his data show the condo market has not suffered a major overall decline from the new laws; he argued the rules have made costs more transparent and may strengthen the market over time. Community association manager Jamie Ballard said the biggest pressures on associations are rising insurance costs and early roof replacement requirements, and she supported board certification while opposing the continuing education exemption for long-tenured CAMs. In committee discussion, members pressed witnesses on whether recent condo laws caused insurance and roof-cost problems, and witnesses generally said those issues are driven more by the market than by the legislation. Senators also discussed possible reforms, including better data collection, clearer reporting duties for managers, and possible changes to insurance and reserve practices. No votes were taken, and the meeting ended with adjournment.

Transcript Highlights:

• In Solano County on private property.
• right to their property.
• Jason Iger, on behalf of the California Mobile Home Park Owners Alliance.
• I'm a resident and an owner of a mobile home at Youngstown Mobile Home Park.
• I'm a mobile home owner in Pueblo Serena in Sonoma, and I'm in support of this bill.

Summary: The Assembly Housing and Community Development Committee heard a long agenda of housing-related bills, beginning with AB 518 on low-impact camping areas. The author and supporters said the bill would streamline permitting for small rural camping operations on private land, expand outdoor access, and support rural economies, while opponents from campground associations and counties warned it could undermine existing regulation, create enforcement problems, and allow advertising of unpermitted sites. Members raised concerns about fire safety and local control, but the bill was ultimately passed as amended on an 8-0 vote. The committee then approved AB 635, which would require HCD to refer up to 25 of the most serious mobile home residency law complaints to the Attorney General. Supporters said mobile home residents need stronger enforcement against egregious park-owner violations, while opponents argued the existing program is underused, costly, and should remain subject to a sunset. After discussion of the program’s surplus and enforcement role, the bill passed 9-1. AB 893, which expands ministerial approval for mixed-income housing near college campuses and broadens eligibility for affordable units to students, faculty, and staff, also drew strong support from student advocates and housing groups and respectful opposition from the League of California Cities over local control and height limits; it passed 10-0. AB 925, the Mobile Home Emergency Safety Act, would require stronger emergency preparedness measures in mobile home parks, including accessible exits, working fire hydrants, and gas shutoff access, with a fee increase to fund enforcement. Supporters framed it as a life-safety measure in disaster-prone areas, while opponents argued the bill duplicates existing requirements and imposes an unnecessary fee increase. The committee voted 6-1 to send it to Appropriations, with the bill left on call. The consent calendar, including several other housing and local government bills, was approved 8-0. The committee also heard AB 712, which would increase penalties and attorney-fee protections for applicants enforcing state housing laws against public agencies; supporters said it would improve compliance, while special districts opposed the bill as overly broad and unclear. Members discussed indemnification and timing issues, and the bill was advanced with amendments to Judiciary.