Video & Transcript Research : 'Alabama Code'
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MN
Minnesota 2025-2026 Regular Session
Task Force on Homeowners and Commercial Property Insurance 9/10/25
Minnesota House Floor Meeting
Transcript Highlights:
- The Alabama study done by Dr.
- Uh the Alabama study implementing that.
- been brought before the the codes been brought before the the codes adoption<00:45:36.960>
process - code standard in those states. code standard in those states.
- talked about the University of Alabama talked about the University of Alabama study.<01:11:27.920
Summary:
The task force held its first meeting on the insurance affordability crisis affecting single-family housing, common interest communities, and multifamily rental housing. Members and staff introduced themselves, including representatives from insurers, the Department of Commerce, housing advocates, affordable housing developers, and HOA/community association interests. Representative Steve Elkins was elected chair by roll call vote with 10 members in favor, after discussion that the Senate appointee’s formal appointment had not yet arrived; the group noted the intent to later move to co-chair leadership once that appointment is finalized.
Staff reviewed the task force’s enabling statute and open meeting law requirements. The task force is charged with studying homeowners and commercial property insurance, property resilience and risk mitigation, liability laws and possible tort reform, notice and oversight issues, public reporting, and the state-supported insurance program, including possible expansion to a catastrophic reinsurance fund or self-insured pool. The final report is due February 15 and will go to the commissioners of commerce, housing finance, and employment and economic development, as well as relevant legislative committees. Members were also briefed on meeting logistics, a draft charter to be voted on at the second meeting, a resource page for shared materials, and the schedule of future meetings.
The Department of Commerce then gave an overview of Minnesota’s property and casualty insurance market. Commerce described its regulatory role, the state’s competitiveness test, and how homeowners insurance is often filed under a “file and use” process rather than prior approval. The presentation emphasized that homeowners coverage has been under pressure for years: insurers have lost money in many recent years, premiums have risen, some consumers are taking on more risk through higher deductibles or reduced coverage, and some are moving into the surplus market. Commerce also highlighted the impact of severe weather losses, the growth in premiums since 2014, and gaps in oversight for homeowners associations and related policies.
The meeting then shifted to brainstorming the problems the task force should address. Early discussion focused on climate and construction-related resilience, including hail and wind-driven rain damage, discontinued building materials, and whether stronger materials are reflected in insurance pricing. Members also raised the need to study programs like Alabama’s fortified roof model and Minnesota’s own Strengthen Minnesota Homes effort, along with questions about whether the construction industry is prepared to support broader resilience measures. No additional votes were taken during the discussion segment.
AL
Transcript Highlights:
- We're not going to tolerate Alabama.
- Alabama Fereral Hog Control Council. Alabama Fereral Hog Control Council.
- > the Alabama Conservation Enforcement the Alabama Conservation Enforcement Officers<01:00:58.319>
- feral hogs here in the state of Alabama. feral hogs here in the state of Alabama.
- That included the Alabama Wildlife Federation, Alpha, Alabama Soil and Water Conservation, I think the
AL
AL
Alabama 2026 1st Special Session
Alabama House Economic Development and Tourism Committee Jan 21st, 2026
Economic Development and Tourism
Transcript Highlights:
- Stand up for Alabama. Thank you.
- >> Stand up for Alabama. >> Stand up for Alabama.
- In Alabama, under code sections 22, 2748, and 48.1, the state cannot consider a landfill application
- In Alabama, under code sections County.
- In Alabama, under code sections 22,2748, 22,2748, 22,2748, and<00:32:08.159>
48.1, <00:32:09.519
OK
Oklahoma 2026 Regular Session
Civil Judiciary REVISION 2: Links added Apr 2nd, 2026 at 10:30 am
Civil Judiciary
Transcript Highlights:
- not in any way violate The rights of Oklahomans to protect them from any kind of foreign law, legal code
- What we're doing is we're updating the adoption code with this and it will allow parents of adopted children
- Last year, we passed a uniform trustst code, the Oklahoma uniform Trust code. It's about 66 pages.
- is just a cleanup bill that tightens up some definitions and aligns prior statutes with the trust Code
Bills:
SB504, SB844, SB1209, SB1266, SB1303, SB1448, SB1496, SB1595, SB1597, SB1655, SB1679, SB1621, SB1716, SB1769, SB1827, SB1876, SB1944, SB2072, SB2084, SB2104, SB2112, SB2170, SB2180, SB2182
Keywords:
charitable organizations, donor restrictions, endowment gifts, Safeguarding Endowment Gifts Act, Oklahoma, donor rights, charitable contributions, forcible entry, detainer, trial period, legal notices, housing law, SB1266, notary public, notaries, legal advice, unauthorized practice of law, misdemeanor, Secretary of State, appointment revocation
TX
Texas 89th Regular
89th Legislative Session - Second Called Session Sep 2nd, 2025
Texas House Floor Meeting
Transcript Highlights:
- amendment, it's pulling the... the definition of legislative caucus in Chapter 253 of the Election Code
- "Shall" means mandatory under the Texas Code Construction Act. The Constitution imposes a duty.
- We even define the word "shall" in the Code Construction Act, and it says it is a duty imposed upon the
- If you're not tired of my voice, Senate Bill 54 will repeal the changes made to election codes, Sections
- Same-day voter registration is prohibited by statute in Chapter 13 of the Election Codes, which was not
Bills:
HB18, SB 54, SB 10, HR 76, HR 77, HR 78, HR 82, HR 83, HR 88, HR 89, HR 93, HR 94, HR 95, HR 98, HR 101, HR 102, HR 104, HR 105, HR 107, HR 108, HR 109, HR 110, HR 111, HR 112, HR 113, HR 123, HR 125, HR 79, HR 80, HR 81, HR 84, HR 85, HR 86, HR 87, HR 90, HR 91, HR 92, HR 96, HR 97, HR 100, HR 103, HR 106, HR 114, HR 115, HR 116, HR 117, HR 118, HR 119, HR 120, HR 121, HR 122, HR 124, HB 18, SB 54, SB 10, HB 8
Keywords:
HB 18, Texas Legislature, quorum break, quorum-busting, legislative walkout, absent legislators, political contributions, campaign finance, political expenditures, legislative caucus, specific-purpose committee, Texas Ethics Commission, civil penalty, show cause order, district court, Fifteenth Court of Appeals, session fundraising, travel lodging food expenses, legislative session, compelled attendance
AL
Transcript Highlights:
- administrative code. administrative code.
- Scan the<01:27:21.040>
QR <01:27:21.520>code. the QR code. the QR code. - Um, tires have to be in compliance with Alabama code. So, these vehicles will have those things.
- code.
- So, these vehicles will Alabama code.
AL
Alabama 2026 1st Special Session
Alabama House Education Policy Committee Mar 11th, 2026
Education Policy
Transcript Highlights:
- These all lead to a successful life and is now provided to be taught in Alabama code.
- We talk about the law in Alabama.
- <00:37:23.839>
And <00:37:24.079>on be taught in Alabama co code. - And on be taught in Alabama co code.
- In 1984, the first case of HIV in Alabama... ...In 1984, the first case of HIV in Alabama.
AL
Transcript Highlights:
- Ladies and gentlemen, the Alabama Senate will now come to order.
- Welcome to Alabama Senate.
- Welcome to Alabama Senate. realtor day.
- Stanley to the Alabama Forestry Stanley to the Alabama Forestry Commission<00:18:02.240>
using - Welcome to Alabama<00:40:23.599>
Senate.
Summary:
The Alabama Senate convened with prayer and the Pledge of Allegiance, confirmed a quorum, and adopted the prior day’s journal. The chamber then handled a series of confirmations, including Thomas Ellis to the Agriculture Exhibition Center Board of Directors, Evelyn Vans Malden, Robert C. Brock, Mila Calhoun, and Elena Baranco to the University of Alabama or University of Montevallo boards of trustees, Chip Fugquay to the Alabama Workforce Board, and Thornton Stanley and Jemsticken Pum to the Alabama Forestry Commission. All of these confirmations were approved overwhelmingly, generally by 29–30 votes with no nays.
Committee reports advanced several county and municipal government bills, including SB 23, SB 71, SB 105, SB 109, SB 115, SB 131, SB 148, and SB 165, with some receiving amendments. The Senate also adopted and passed multiple resolutions, including SJR 14 honoring Drew and Lauren Winland as America’s top young farm family, and resolutions mourning Mary Anne Peak Phelps and Sam Palmer Faucet III. A local bill package for Marshall and Walker counties was taken up, with several bills receiving BRs, final passage, and certification resolutions.
The Senate also received numerous House messages referring local and finance-related bills to committees, including measures on county subdivision regulations, homestead exemptions, unclaimed property, sales and use tax, income tax, municipal audits, and other local matters. The Rules Committee report set a special order calendar for the next legislative day, listing SB 126, SB 33, SB 55, SB 102, SB 118, and SB 128. On that calendar, SB 126 extending the Alabama Private Investigation Board, SB 33 updating veteran license tag provisions, SB 102 extending the Board of Home Medical Equipment, and SB 128 reorganizing the Alabama Sickle Cell Oversight and Regulatory Commission were passed; SB 55 on military spouses was amended and carried over; and SB 118 on the Alabama Justice Information Commission was amended and carried over. The Senate adjourned until 3:30 p.m. on Wednesday, January 21st.
AL
Transcript Highlights:
- Welcome to Alabama Senate. Welcome to Alabama Senate.
- vehicles on rural roads in Alabama. vehicles on rural roads in Alabama.
- the Alabama judicial system.
- the state of Alabama and to the Alabama the state of Alabama and to the Alabama judicial<03:11:54.400
- uh up here in the Alabama State Senate. uh up here in the Alabama State Senate.
Summary:
The Alabama Senate convened with prayer, the pledge, and a quorum present, then quickly handled routine motions to excuse absent senators, dispense with the prior journal, and allow bills and committee reports throughout the day. The chamber first took up House amendments to Senate Bill 19 on insurance, including a changed start date and a bill name honoring David McHanie and Roy Johnson. On a long roll, the Senate concurred 22-0 with one abstention. Senator Singleton then used personal privilege to present a Black History observance highlighting Nat King Cole, Louis Armstrong, Benjamin O. Davis Sr., and Mahalia Jackson.
Committee reports followed, with the Senate confirming Brandy Williams to the Alabama Fire College and Personnel Standards and Education Commission and Lynn Brewer to the Alabama Board of Heating, Air Conditioning, and Refrigeration Contractors. Senator Singleton spoke at length in support of the trades-related confirmation, emphasizing the importance of skilled labor, contractor oversight, and workforce training, while also discussing the need to support such professions and the role of boards in protecting consumers. The Senate also received favorable reports from Judiciary, Education Policy, Fiscal Responsibility and Economic Development, Tourism, and Local Legislation on a range of bills, many with amendments or substitutes, and placed them on the next day’s calendar.
In motions and resolutions, Senator Elliott recommitted Senate Bill 310 to local legislation and introduced Senate Joint Resolution 50 honoring Coach Tim Carter, which was sent to rules. The Senate adopted Senate Joint Resolution 51 mourning Junior Harold Sorrells and several House resolutions from the Rules Committee, including recognitions for the Alabama State Games, Mack McCutcheon’s retirement, the Black pioneers of Macon County, Alicia Cannon, Joseph William Jones Jr., and Louis Vuitton the Pitbull Day. The chamber also recognized several school leaders in the gallery and then moved into local bills, beginning with Senate Bill 266, a proposed constitutional amendment regarding Covington County, for which a bill reading was requested using the previous roll.
CA
Transcript Highlights:
- And the best news about this, whenever we look at codes in California, we are the code geeks at CBIA,
- And the best news about this, whenever we look at codes in California, we are the code geeks at CBIA,
- Alabama, like 50,000 in Alabama, right? Right. We don't even...
- Alabama, like 50,000 in Alabama, right? Right. We don't even And Alabama—Alabama.
- It's going to be zip-code-level data.
Summary:
The Senate Committee on Insurance held an informational hearing on how climate change, wildfire risk, and related catastrophes are affecting California’s insurance market, affordability, and availability. Chair and members framed the issue as a statewide challenge tied to resiliency, land use, utilities, legal liability, and the FAIR Plan. Senator Becker noted the hearing was connected to SB 254 and its recent report, while the Vice Chair emphasized that the state’s current regulatory framework limits flexibility and that industry testimony would also have been useful.
Amy Bach of United Policyholders described worsening availability and affordability, driven by climate impacts, insurtech/risk scoring, inflation, and the growth of surplus lines coverage. She said the Sustainable Insurance Strategy is beginning to show progress, but the FAIR Plan remains too large and non-admitted carriers create concerns because they are less regulated and do not share FAIR Plan or guaranty fund obligations. She stressed that mitigation incentives, grants, and voluntary insurer rewards for wildfire-hardening are important, but that many households cannot afford the needed improvements. In response to questions, she said underinsurance remains a major problem, especially after recent fires, and suggested stronger insurer responsibility for replacement-cost estimates or broader replacement-cost endorsements.
Actuary Nancy Watkins and Stanford’s Michael Wara argued that California must both reduce wildfire risk and allow actuarially sound pricing if it wants a healthier market. Watkins compared the market to a household with rising expenses and said the state needs a mitigation framework focused on the highest-risk communities, especially older neighborhoods and homes near the wildland-urban interface. Wara said premiums must roughly equal expected claims plus expenses, and that California is “burning down too many houses,” which drives both availability problems and higher rates. He highlighted the role of structure-to-structure spread, older housing stock, utility ignitions, and the need to focus on community hardening, not just vegetation management. Both speakers said mitigation should be targeted, science-based, and sustained rather than one-time or scattered.
Frank Freebalt of Cal Poly and Michael Gullner of UC Berkeley continued the discussion on fire modeling and risk reduction. Freebalt said the problem is best understood as a structure ignition and urban conflagration problem, requiring integrated land-use, utility, and community mitigation, with evidence-based priorities and better analytics. He emphasized that the state should focus on the highest-risk intersections first and that targeted mitigation can multiply the effectiveness of suppression and evacuation resources. No votes or formal actions were taken; the hearing was informational and focused on testimony, questions, and policy discussion.
AL
Transcript Highlights:
- guest of Francis from GFF Shores Alabama guest of Francis from GFF Shores Alabama guest of Francis Hol
- independent insurance p.m. the Alabama independent insurance p.m. the Alabama independent insurance
- Department of archives and the Alabama Department of archives and the Alabama Department of archives
- legislative reception Taste of Alabama legislative reception Taste of Alabama legislative reception
- has a strong partnership Alabama has a strong partnership Alabama has a strong military Legacy Alabama
AL
Transcript Highlights:
- his service to the state of Alabama. his service to the state of Alabama.
- recycling industry in Alabama. recycling industry in Alabama.
- University of North of Alabama, 2026. University of North of Alabama, 2026.
- Pettis, retired Alabama State Trooper. Pettis, retired Alabama State Trooper.
- Wden, Alabama Law Trooper Joshua Wden, Alabama Law Enforcement<02:27:38.479>
Agency.
TX
Transcript Highlights:
- I was told by some in Alabama and some areas along the coast in Alabama...
- But the most interesting factoid to me is that in Alabama, less than 20%...
- It will take care of itself, as it has in Alabama. Thank you, Chairman. Dr.
- In 2022, Texas had 24 houses built to the fortified standard, Alabama had 30,977.
- It impacted the building codes; they switched the building codes to support this, so big fans of this
Bills:
HB778, HB 1266, HB1576, HB2213, HB2517, HB2518, HB2841, HB3306, HB3320, HB3388, HB3508, HB3520, HB3689
Keywords:
credentialing, healthcare, physician assistants, advanced practice nurses, managed care, hurricane, windstorm, loss mitigation, grants, insurance discounts, property retrofitting, insurance, Texas Windstorm Insurance Association, board composition, coastal counties, property insurance, taxation, Texas FAIR Plan Association, premium taxes, maintenance taxes
AL
Transcript Highlights:
- Day at the Alabama State Capital. Day at the Alabama State Capital.
- Welcome to Alabama Senate. Great stand. Welcome to Alabama Senate.
- It said, "This bill is amend section 11-90-2 and 11-90-4 of the Code of Alabama."
- of the code of Alabama." of the code of Alabama."
- Alabama according to Virginia. Alabama according to Virginia.
Summary:
The Alabama Senate convened with prayer, the pledge, and a quorum present, then adopted the previous day’s journal and excused absent senators. The chamber recognized visiting members of Alpha Phi Alpha Fraternity and adopted a Senate resolution designating February 10, 2026, as Alpha Phi Alpha Day at the Alabama State Capitol. Senators offered remarks praising the fraternity’s service, civic outreach, and historical significance, and the House later sent over a matching resolution, which the Senate adopted. The Senate also heard a Black History Month presentation highlighting Benjamin Banneker, Dr. Charles Drew, Ralph Bunche, and Carter G. Woodson.
The Senate then processed a large number of House messages and confirmations. House bills and resolutions were referred to committees, including measures on juvenile offenders, administrative rules, state income tax, local legislation, ad valorem tax, multi-member boards, license plates, criminal procedure, and food banks. The Senate confirmed several appointments, including multiple Alabama Army National Guard promotions, Mike Suo to the Jacksonville State University Board of Trustees, and Christy Andrews to the Alabama Securities Commission, each by roll call with no opposition.
In motions and resolutions, the Senate adopted numerous commemorative and honorary resolutions, including observances for National Blood Donor Month, Diabetes Month, Booker T. Washington Day, the Alabama Community College Football Study Commission, and recognitions for individuals and organizations such as the Baldwin County Fair, Sheriff Derek Cunningham, William Riley Hawkins Jr., and Clifford Ray Miller. Senator Barfoot’s resolution urging federal funding for the state logging efficiency grant fund was adopted after adding all senators as co-sponsors, and a resolution honoring Sheriff Derek Cunningham was read at length and adopted. The Senate also adopted the Rules Committee’s special order calendar for the next legislative day, which prioritized several bills on libraries, taxation, retired state employees, municipalities, transportation, coal-impacted communities, income tax, the Alabama Space Authority, cosmetology and barbering, security, entertainment incentives, and health. In local legislation, the Senate passed several local bills, including measures for Mobile County, class 2 municipalities, public transportation, Jefferson County, and the town of Morris.
AL
Transcript Highlights:
- all all right ladies and gentlemen the Alabama right ladies and gentlemen the Alabama right ladies and
- and South Alabama that north Alabama and South Alabama that north Alabama and South Alabama that needs
- they came up with a QR code that if code they came up with a QR code that if code they came up with
- a QR code that if you just hit that QR code it gave you you just hit that QR code it gave you you just
- the people of Alabama um agree with that the people of Alabama um agree with that the people of Alabama
Bills:
SB 2
AL
Alabama 2026 1st Special Session
Alabama House Education Policy Committee Mar 17th, 2026
Education Policy
AL
Alabama 2026 Regular Session
Alabama Joint Contract Review Committee Jul 9th, 2026
Transcript Highlights:
- <00:02:50.720>
Our Retirement Systems of Alabama. Our Retirement Systems of Alabama. - Alabama Department of Corrections. Alabama Department of Corrections.
- state al state of Alabama state al state of Alabama gave<00:37:17.680>
them <00:37:17.920> - They were falling apart in Alabama.
- of Alabama and our and the taxpayers. of Alabama and our and the taxpayers.
AL
Transcript Highlights:
- Alabama. We send a lot of money to the state of Alabama.
- Alabama forward.
- We have the Alabama homeschoolers here from Alabama Education for the Alabama Education Day hosted by
- But let's go to Alabama because Alabama was a creek...
- Alabama because Alabama was a creek name, right?
AL
Transcript Highlights:
- Yes, it's happened and has Alabama?
- of Alabama 2022.
- Constitution of Alabama of 2022. Constitution of Alabama of 2022.
- born this year in Alabama alone. born this year in Alabama alone.
- Alabama that used to do this regularly. Alabama that used to do this regularly.