Transcript Highlights:

• If it's a medically underwritten policy.
• That's sort of the standard you're setting forward.
• Policy here in the deliberative process.
• Default settings.
• They're set to one hour per conversation and a max daily time per platform is set to two hours.

Keywords: 988, house, all

Transcript Highlights:

• And this policy is the same as in the past.
• I did not detect any changes in this policy from the current policy that we have been abiding by.
• You know, set of things. I'm on day 17 of the job.
• Okay, so on to the national policy framework.
• The policy framework is pretty brief.

Keywords: Technology and Science, Joint Commission on, 976, house, all

Transcript Highlights:

• secure infrastructure and clear policies secure infrastructure and clear policies uh<00:16:06.720
• policies etc. policies etc. um<00:39:23.680> you<00:39:23.920> know<00:39:24.000><
• siloed into a different public policy siloed into a different public policy school<00:47:20.640>
• policy action, the University of St. policy action, the University of St. promise promise promise
• One of groundb a groundbreaking set of 20th groundb a groundbreaking set of 20th century<01:11:15.920

Bills: HF1316, HF4369

Keywords: HF1316, child support, new hire reporting, centralized work reporting system, independent contractors, payors, employers, payor of funds, withholding orders, income withholding, child support enforcement, Minnesota Department of Children, Youth, and Families, gig economy, rideshare drivers, delivery drivers, 1099, W-9, W-4, newly hired workers, rehired employees

Transcript Highlights:

• technology policy.
• The Board of Natural Resources sets policies and management objectives for DNR.
• The Western Washington harvest level was last set in 2015, and the...
• set in 1996.
• So we'll look first for public policy objectives.

Summary: The Joint Legislative Audit and Review Committee met on September 17, 2025, in hybrid format. After roll call, the committee initially lacked a quorum and deferred approval of the July 15 minutes until Representative Berg arrived; the minutes were then adopted. Members also discussed the proposed 2026 JLARC meeting schedule, including possible changes to address crowded July meetings and the annual tax exemption review workload. Staff presented the annual lodging tax expenditures report, noting that 213 municipalities received distributions in 2024, with 91% reporting compliance, $114 million awarded for more than 1,700 activities, and no independent verification of the self-reported data. Several members questioned the value and usefulness of the report, and the executive committee indicated it may recommend removing the statutory reporting requirement. The committee then heard the preliminary performance audit of the Office of Privacy and Data Protection, which found the office meets its statutory responsibilities and has high user satisfaction, but recommended updating the statute to better match the office’s current capacity and focus and improving performance measures to reflect long-term privacy outcomes rather than outputs. Members asked about FERPA and other federal privacy laws, and OPDP staff said they provide general privacy training and consultation but not law-specific training unless requested. The committee adopted the final report on Washington State recreational boating programs without recommendation, after staff reported that boating revenues support both general government and boating activities and that no participating agencies submitted formal comments. Members asked about boater safety education and possible overlap among the six agencies involved; Parks staff said education has reached more than 500,000 boaters and that fatalities and incidents have declined. The committee also reviewed planned study questions for a JLARC review of Labor and Industries’ enforcement of farm worker laws, with members raising scope questions about the term “farm worker” versus “agricultural worker,” and for DNR’s Eastern Washington sustainable harvest calculation, which JLARC will review as DNR completes its recalculation. Finally, staff outlined the 2026 tax preference performance reviews covering seven preferences, and members asked about racial equity, environmental impacts, disclosure of beneficiary savings, and how the reviews will measure effectiveness; the meeting adjourned before noon.

Transcript Highlights:

• And then we're talking about expanding patient and caregiver rights in hospital settings.
• I don't know if my colleague Laini, who is the manager of public policy, has a comment on that.
• and in the inpatient setting.
• So you said non-traditional settings.
• , or a setting that is already covered by another one of the protective service agencies.

Keywords: 995, all

Summary: The Aging and Independence/Elder Affairs Committee heard testimony on several bills, with the main focus on H.769/S.468, an act to improve care and prepare for the new era of Alzheimer’s and dementia. Legislators and advocates described the bill’s provisions, including expanded dementia training for first responders, a dementia services coordinator/director in state government, improved hospital discharge and caregiver access protections, dementia care coordination benefits for certain MassHealth members, public awareness and data collection requirements, and expanded support for geriatric workforce recruitment. Representative Danielle Gregoire and Senator Gomez framed the measure as a zero-cost, bipartisan continuation of the 2018 Alzheimer’s and Dementia Act, while the Alzheimer’s Association, Boston Public Health Commission, police representatives, clinicians, and family caregivers all testified in support, emphasizing public health needs, early diagnosis, caregiver involvement, and safer emergency and hospital care. The committee also heard testimony on H.796/S.476, which would establish an Office of Older Adult Advocate and a special commission on a statewide long-term services and supports benefit program. Representative Steve Ultrino supported an independent older adult advocate to help navigate fragmented state services and improve constituent services, while committee members asked about funding and the office’s relationship to existing secretariats. On the long-term care commission bill, NAFA Massachusetts and LeadingAge Massachusetts supported creating a stakeholder commission to review actuarial findings and explore public-private financing options for long-term care, stressing that neither public nor private coverage alone is sufficient and that middle-income families need more planning tools and options. The committee also took testimony on H.786/S.466, a bill to protect vulnerable elders by expanding the Executive Office of Elder Affairs’ authority to investigate abuse or neglect in non-traditional custodial settings such as prisons, jails, shelters, group homes, and certain treatment facilities. Prisoners Legal Services said the bill would close a jurisdictional gap that leaves some older adults without an investigative agency once they age out of DPPC coverage. No votes were taken during the hearing, and the meeting ended with a motion to adjourn.

Transcript Highlights:

• Would it come from—um—would it have already been set up?
• aside that was set aside from part of the surplus?
• don't we have a three billion uh uh set don't we have a three billion uh uh set aside<00:31:38.799
• You're setting aside some money that we would have no control over.
• The budget is set up to basically be balanced, correct?

Keywords: 1183, house

Summary: House File 4, as amended, was heard in committee. The bill proposes a constitutional amendment to create a Minnesota tax relief account that would capture projected general fund revenues exceeding 105% of projected expenditures and return those funds to taxpayers, primarily through property tax relief or income tax relief. The committee adopted an amendment to put the bill in the author’s preferred shape, and later adopted a technical amendment from Representative Smith to insert the word “projected” before “expenditures” on line 2.2. Representative Johnson presented the bill as an affordability measure meant to return surplus money to the people rather than create new spending, arguing it would help homeowners and taxpayers if a surplus occurs. Ranna Lee of Americans for Prosperity supported the concept of returning surplus funds to taxpayers but also urged broader tax and budget reforms, including triggers for rate reductions and changes to budgeting practices. Nan Madden of the Minnesota Budget Project and Eric Bernstein of We Make Minnesota opposed the proposal, warning that embedding budget and tax rules in the Constitution would reduce legislative flexibility, weaken public investment, shift costs to local governments, and make it harder to respond to recessions or emergencies. Members raised questions about how the formula would work, who would qualify for refunds, whether corporations with property tax liability could benefit, and how the proposal would handle forecast-based calculations and unexpected events such as pandemics or federal policy changes. House research and committee staff clarified that the bill would need to go to Ways and Means and then Rules to satisfy House requirements for constitutional amendments, and that a fiscal note had been requested and was in process. The committee did not take final action on the bill in the portion of the transcript provided, but the motion before it was to recommend passage and send House File 4 to Ways and Means.

Transcript Highlights:

• DCFS has excellent policy.
• It's laid out in policy.
• We are focused on the situations and the policies that's set forth.
• We are focused on the situations and the policies that's set forth that we've got to move on.
• That is Amendment Set 3155. I don't know. Okay. That is Amendment Set 3155.

Summary: The committee first heard Senate Bill 135, which would redirect a portion of wagering dedications from the sports fund to the Louisiana Early Childhood Education Fund and remove a cap affecting that funding stream. The author and staff explained the amendment was designed to avoid any impact on the State General Fund while increasing support for early childhood education. The committee adopted the amendment and reported the bill favorably as amended. Senate Bill 202, from the Secretary of State’s office, would increase the number of compensated days for parish board of election supervisors to cover additional election-related duties. Secretary Landry and election officials testified that the change was needed because supervisors now perform more work, including ballot tabulation, machine sealing, and verification tasks. The committee adopted technical and appropriation-related amendments and reported the bill favorably as amended. The committee then took up several health and human services bills. Senate Bill 155 would require insurance coverage for medically necessary dental procedures needed before cancer treatment; testimony from medical and dental professionals emphasized that untreated dental problems can delay chemotherapy or radiation and worsen outcomes. After adopting amendments to narrow the fiscal impact, the bill was reported favorably as amended, with discussion of a possible subject-to-appropriation amendment to be worked out later. Senate Bill 237, a major DCFS reform bill, drew extensive testimony and debate over child welfare oversight, mandatory reporter training, law enforcement coordination, and the bill’s large fiscal note. The committee adopted amendments, including a subject-to-appropriation provision, and reported the bill favorably as amended after emotional testimony from supporters and former DCFS employees. The committee also advanced Senate Bill 465 on prompt-pay insurance reform after an amendment reduced the fiscal note to zero; Senate Bill 261 on unclaimed property after a substitute bill was adopted; Senate Bill 295 on expanded coverage for traumatic brain injury rehabilitation after amendments narrowed the mandate and added subject-to-appropriation language; Senate Bill 157 providing six weeks of paid parental leave for K-12 educators and staff, also subject to appropriation; Senate Bill 276 requiring bail bond producers to certify outstanding obligations before new appointments; Senate Bill 83 on human trafficking services after removing the age-expansion cost; Senate Bill 143 on bulletproof vests after shifting funding away from a direct state appropriation; and Senate Bill 450 on school safety assessments after an amendment limited implementation to available funds and resources. In each case, the committee’s actions focused on reducing or eliminating fiscal notes while keeping the bills moving forward.

Transcript Highlights:

• The rule setting from CMS really pushed that along as well.
• Is it agency policy? Is it Medicaid policy? What are the barriers?
• So we've always hired this type of person with this type of skill set.
• Yeah, that may be a whole other set of analysis we need to do, is pots of money.
• We have not set the next date. We will plan the next states farther ahead.

Keywords: 914, all

Transcript Highlights:

• Of the policy.
• We could visit about the priority set.
• Because this particular program is being set up, That because this particular program that is being set
• And so you have written policy?
• This initiative is not just a policy... This initiative is not just a policy proposal.

Summary: The Senate Committee on Education K-16 convened with a quorum, adopted its committee rules, and heard opening remarks from members introducing staff and outlining priorities for the session. Several senators emphasized support for public education, teacher pay and safety, parental choice, and the combined K-16 jurisdiction of the committee. The chair also reviewed hearing procedures, including public testimony registration and time limits. The main item was Senate Bill 2, the Texas Education Freedom Act, laid out by Chairman Creighton. He described the bill as an education savings account program intended to expand school choice, with a $200 million universal eligibility pool and an additional $800 million targeted to students with disabilities and lower-income families. He said the bill includes anti-fraud safeguards, criminal background checks for vendors, reporting requirements, data protections, and annual testing for participating students, while not imposing STAAR on private schools or homeschoolers. He also said the bill removes a prior hold-harmless provision for public schools and is separate from public school funding and teacher pay legislation. Members questioned the bill’s income threshold, lottery and priority structure, treatment of homeschoolers, microschools, charter schools, religious freedom protections, citizenship/lawful presence language, cybersecurity, open records, and disability-related issues, including whether 504 students and foster children should be included. Creighton said the bill is designed to prioritize former public school students with disabilities or lower incomes, while also allowing universal eligibility within the program’s first funding tier, and that the Comptroller would oversee vendor screening and cybersecurity rules. He said the bill does not direct curriculum or interfere with religious beliefs and that amendments may be offered later on citizenship and other issues. After member questions, the committee began invited testimony, starting with EdChoice representative Robert Inlow, who testified in support of SB 2 and cited national growth in school choice programs and studies he said show positive effects for students and public schools.

Transcript Highlights:

• On page three there are three selected fiscal and policy issues.
• Then on page 3, there are to fiscal and policy issues.
• This is selected fiscal and policy issues.
• It is our policy to respond to all legislative inquiries. Well, it should be your policy.
• Regarding government employees and telework policies.

Keywords: 1184, house, all

Transcript Highlights:

• , recommended policies.
• , recommended policies.
• , recommended policies.
• , recommended policies.
• best practices required policies best practices required policies recommended<00:58:48.359> policies

Keywords: 1187, senate, all

Transcript Highlights:

• We are very thrilled to see so many policies and programs.
• So any policy that shifts the needle to encourage.
• I also lead the Springfield Food Policy Council, where we work on systems policy and environmental changes
• This bill sets aside $3 billion over five years.
• Okay, all set. Thank you very much. Thank you.

Keywords: 995, all

Summary: The hearing focused on the Healey-Driscoll administration’s Mass Ready Act, a $3 billion environmental bond bill. Administration officials said the bill would fund climate resilience, clean water, land conservation, parks, PFAS remediation, food security infrastructure, and coastal and inland flood protection, while also streamlining permitting for housing, restoration, and other resilience projects. They emphasized that the bond authorizes spending but does not itself obligate it, and said the proposal includes deauthorizations as housekeeping. Committee members asked about the new Resilience Revolving Fund, flood and drought management, MVP funding, land acquisition, Chapter 61 right-of-first-refusal changes, salt marsh carbon sequestration, and how the bill would help smaller municipalities and offset expected federal funding losses. Officials said the revolving fund would be managed through EEA and the Clean Water Trust, with criteria aimed at directing aid to communities most in need, and noted that drought issues would continue to be handled through existing DEP and drought commission tools. Several committee members and witnesses discussed specific policy provisions, including flood disclosure requirements for homebuyers and renters, expanded authority for regional planning and small-town access to grants, and permitting reforms that would exempt or expedite certain environmental restoration and priority housing projects from more time-consuming review processes. Administration witnesses defended the reforms as a way to achieve the same environmental outcomes faster and with more certainty, while some advocates argued the bill should go further, especially on Chapter 91 and restoration permitting. The administration also described investments in DCR facilities, water and wastewater systems, open space, agricultural easements, and a new focus on blue carbon and salt marsh restoration. Public testimony largely supported the bill. Mass Audubon, the Trustees of Reservations, the Environmental League of Massachusetts, The Nature Conservancy, MAPC, the Massachusetts Municipal Association, municipal officials, and others praised the bill’s resilience, conservation, and water infrastructure investments. Some witnesses urged additional funding for land protection, coastal resilience, buyouts, and restoration, and several called for stronger or simpler permitting reforms. Municipal witnesses from Boston, Beckett, Beverly, Conway, and regional planning organizations stressed the need for flexible financing, especially for small and rural communities facing costly infrastructure and climate adaptation projects. No votes were taken during the portion of the hearing provided; the committee heard testimony and asked questions before moving on to additional panels.

Transcript Highlights:

• So I, you know, I do recognize the Council adopted a policy, and we're following the policy now, but
• Now, if we want to set policies about how districts should use space, we can have that discussion, and
• But until we're willing to set certain policies about how they use certain kinds of spaces or that you
• And we have a policy that says, once you hit this point, we rescind that award.
• We're lucky to have the authority to set some of those policies, and I think we should have those discussions

Transcript Highlights:

• This is when I was policy chair back in '13. We weren't getting policy reports forever.
• There is no shared service policy by the board, a specific separate policy right now.
• So why did you move forward without a set policy procedure? We just analyzed a board that didn't...
• Without a set policy procedure.
• We just analyzed a board that didn't have set policies and procedures, yet you have moved ahead.

Summary: The committee met to receive a series of audit presentations, beginning with the statewide Annual Comprehensive Financial Report (ACFR) for fiscal year 2025. The State Auditor’s Office and OMB reported a clean, unmodified opinion for the state, with strong financial results including a $40.6 billion net position, $30.99 billion in assets, $1.81 billion in liabilities, and continued Legacy Fund growth. OMB also explained the new GASB 101 compensated-absences reporting change and discussed pension-liability fluctuations tied to discount-rate assumptions and investment performance. Members asked about how the state compares to others and about the effect of short-term commodity price swings, and OMB said the report reflects actual fiscal-year results rather than forecasts. The committee then heard the University System audit, which also received a clean opinion but included four findings: misreporting of Strategic Investment and Improvements Fund revenue, insufficient monitoring of service organizations at CTS, NDSU, and UND, improper bank reconciliations at Dakota College of Bottineau, Dickinson State, and Williston State, and investment/cash reconciliation problems at Bismarck State College related to bond proceeds. University officials agreed with the findings and said corrective actions were underway, including internal review of bank reconciliations. Members raised questions about NDSU’s use of certificates of deposit, and university staff explained that CDs are used to earn interest on funds being accumulated for future projects. Several other audits were presented, most with clean opinions and no findings, including the State Auditor’s Office, Workforce Safety and Insurance, Housing Finance Agency, Housing Incentive Fund, Job Service North Dakota, the Retirement and Investment Office, PERS, the Center for Distance Education, the Commission on Legal Counsel for Indigents, the Ethics Commission, and the Office of Administrative Hearings. Notable exceptions included a State Fair Association audit with an adverse opinion on the foundation component unit because its financial statements were not available for audit, and a Securities Department performance audit finding that performance-based pay increases and bonuses were issued without required evaluations. The committee also discussed the State Auditor’s future needs, including more staff capacity, data analytics, cybersecurity reviews, possible subpoena authority, independent legal counsel, and whether some audits—such as the Ethics Commission and State Fair—should be handled by independent third parties or under different statutory arrangements.

Transcript Highlights:

• The third meeting was set to review the Legislative Council policy bill drafts and recommend them to
• We have four policy bills that were drafted by the committee that are being heard in policy committee
• We have four policy bills that were drafted by the committee that are being heard in policy committee
• We'll touch the policies today, and we'll be able to answer questions on those, but they're in the policy
• or the clinic setting...

Bills: HB1623

Keywords: HB 1623, North Dakota, rural health, rural health transformation program, medical facility infrastructure loan fund, medical facility infrastructure loan program, rural health loan program, Bank of North Dakota, Department of Health and Human Services, HHS, federal grant, health care infrastructure, rural hospitals, critical access hospitals, nonprofit health care providers, gap financing, loan fund, public health funding, healthcare financing, Medicaid

Summary: The committee heard House Bill 1623, the appropriations bill tied to North Dakota’s Rural Health Transformation Program, which is funded through a new federal rural health care grant. Senator Bekkedahl explained the bill’s background, the interim committee process that developed it, and the federal conditions attached to the award, including spending deadlines, administrative cost limits, and restrictions on uses such as new construction, supplanting existing funding, and certain other costs. Legislative staff then walked through the seven sections of the bill, including appropriation authority, transfer authority, contingent appropriations for pass-through grants, procurement and public improvement exemptions, recipient reporting, legislative reporting, and immediate effective date. Commissioner Traynor and HHS staff described how the department plans to implement the program, emphasizing that the funding is intended to improve rural access, workforce recruitment and retention, technology and data connectivity, and community health initiatives. They said the department will rely on local applications, technical assistance, templates, listening sessions, and partnerships with providers, schools, public health units, tribal entities, and other community groups. Members asked about reimbursement timing, upfront costs, administrative expenses, sustainability after the five-year grant period, and whether CTE centers, public health units, gyms, grocery stores, and other community partners could participate; the department said yes, within program rules and with a focus on measurable outcomes and sustainability. Several supporters testified in favor. Mental Health America of North Dakota and the Mental Health Advocacy Network supported the bill and urged investment in community-based mental health, crisis response, children’s services, peer support, and mobile crisis teams. HIA Health described the grant as a chance to expand home-based and hospice care, noting that rural providers already have workable models but need funding to scale them. A cybersecurity representative also supported the bill, warning that the large amount of health data and AI-related tools will require strong data protection and professional support. The hearing was closed with no opposition testimony, and the committee announced it would return later in the day for further work on the bill and other measures.

Transcript Highlights:

• review the funding mechanisms and policies adopted by other states to support the state's... ...policy
• Brad Sperber, with the Keystone Policy Center, said: “Good morning, everybody.
• So that's just sort of an opening set of comments on these three recommendations.
• Now, beyond that, if we're going to set a policy of developing nuclear power in Delaware, how do we go
• Before, or was that for the entire set of recommendations?

Summary: The meeting focused on finalizing recommendations from the Delaware Nuclear Energy Task Force, with most of the discussion centered on how the state should organize itself to evaluate and potentially pursue nuclear power. Public commenters strongly supported nuclear energy, emphasizing energy reliability, economic competitiveness, data center demand, and the need for Delaware to act quickly. Several speakers argued that Delaware is falling behind neighboring states and should not delay if it wants to attract developers and preserve access to federal tax incentives. Members then worked through revisions to the recommendations, especially the section on state actions moving forward. There was broad agreement that Delaware needs a clearly empowered leadership structure, but disagreement over the best form: a cabinet-level energy agency, an expanded existing agency such as DENREC, a dedicated coordinator, an expanded Sustainable Energy Utility, or a separate quasi-independent authority. Some members favored a nimble, one-off entity with bonding and financing authority; others cautioned against creating a new body outside state government and stressed the need for coordination with existing agencies, public oversight, and cost discipline. The group also discussed adding responsibilities such as site identification, public engagement, coordination with PJM and federal agencies, and financing tools, while removing or folding in items that seemed duplicative or too broad. The committee also revised earlier modules to broaden the focus from small modular reactors to nuclear power more generally, while keeping the task force’s original SMR work in view. Members agreed to keep recommendations on state and local regulatory readiness, financial mechanisms, permitting coordination, and public engagement, and to add a recommendation for Delaware to participate as an observer in the Advanced Nuclear First Mover Initiative through NASEO and NARUC. The committee approved the revised Module Four recommendations by vote, with one abstention from Tom Noyes. Minutes from the prior meeting were also approved with minor corrections.

Transcript Highlights:

• as well as our own countywide planning policies.
• Many communities don't have that set up.
• Countywide planning policies are policies that are shared between a county and the cities within the
• Where would the collaboration on the countywide planning policies happen?
• So it sets some time frames of when they could be updated.

Summary: The committee heard a series of presentations on comprehensive plan updates, permitting reform, special purpose district coordination, and subdivision reform. Pierce County and the City of Redmond described their recent comprehensive plan updates, emphasizing housing production, transit-oriented development, middle housing, preservation of affordable housing, and the need for technical assistance and clearer state guidance. Both jurisdictions said the planning process took years and was complicated by overlapping state requirements, changing legislative mandates, and multiple review authorities. Redmond in particular said mid-course legislative changes forced supplemental environmental review and added significant cost and delay, and both local governments asked for more stability, clearer statutes, and better-aligned timelines. Presenters from the architecture, building official, and development sectors focused on permitting delays and proposed ways to speed housing delivery. Dave Boucher of AIA Washington argued for a provisional construction permit process for projects stamped by licensed professionals, along with mandatory deadlines and fewer stalled review cycles. Tim Woodard of WABO described existing tools such as pre-application meetings and phased approvals, noting they can improve certainty but also require staff time and careful coordination. Representatives from Master Builders and D.R. Horton said permit and subdivision delays add substantial cost to housing, citing studies showing months of delay and tens of thousands of dollars added per home, and urged administrative approvals, concurrent review, self-certification, and limits on repeated review cycles. The committee also reviewed a Commerce-led task force report on integrating special purpose districts into Growth Management Act planning. The task force recommended early invitation and notice to water, sewer, school, port, and other service providers during countywide planning policy and comprehensive plan updates, better coordination on grants and capital projects, updated water system coordination plans, and improved school siting and funding alignment in fast-growing areas. Speakers stressed that the recommendations were intended to be light-touch and focused on better communication rather than major statutory overhaul, while also noting that rural and slow-growing areas should not be burdened with the same requirements as rapidly growing jurisdictions. On subdivision reform, FutureWise and the City of Spokane discussed making more subdivision decisions administrative, preserving vesting, clarifying exemptions, and reducing unnecessary notice and appeal steps. Spokane described local reforms such as smaller minimum lot sizes, unit lot subdivisions, and reduced-process “minor engineering review” for simple plats, while raising concerns about new notice requirements and appeals to city councils for technical plat decisions. Across the hearing, members repeatedly returned to the theme that local governments, builders, and state agencies need clearer, more coordinated rules to reduce delay and uncertainty while still protecting safety and planning goals.

Transcript Highlights:

• They are not set in stone. So yes, we focus on vacancies. Absolutely.
• of candidates or perhaps just folks with a different type of skill set.
• And that includes our office, your subcommittee staff, policy staff, personal staff.
• Economic and Policy Study, think tank in Southern California, to review its claims data.
• It's broken up into a number of different policy areas.

Keywords: 988, house, all

Transcript Highlights:

• submit underwriting guidelines, policy submit underwriting guidelines, policy forms,<00:05:07.520
• um just unaffordable policies? um just unaffordable policies?
• insurance policy. insurance policy.
• first policy was written in early 1992. first policy was written in early 1992.
• policy system, that will lower the cost. policy system, that will lower the cost.

Keywords: 912, senate, all

Transcript Highlights:

• Um, we fund science-based policies.
• <00:37:47.760> and fundamentals of of flood policy and fundamentals of of flood policy and
• Uh so to start today, just policy.
• kind of our five guidelines on setting kind of our five guidelines on setting up<00:59:41.680>
• way that that every state has set it up. way that that every state has set it up.

Keywords: 958, all

Summary: The interim task force on disaster prevention and resiliency met for its fourth meeting and focused heavily on insurance markets, affordability, and mitigation. Cochairs noted they are working toward recommendations for a later fall meeting. The main presentation came from David Snyder of the American Property Casualty Insurance Association, who said the insurance industry sees itself as part of the problem and part of the solution because it ultimately pays for losses created by natural conditions, development choices, and construction practices. Snyder described rising losses from natural catastrophes, inflation-driven increases in rebuilding and repair costs, more development in disaster-prone areas, wildfire exposure, severe convective storms, hail, and roof damage. He argued that Kentucky should avoid the mistakes he attributed to California, where regulatory responses contributed to a strained insurance market and greater reliance on the FAIR Plan. He said Kentucky’s private market appears to be functioning better, with relatively few FAIR Plan policies, and urged lawmakers to preserve that market through risk-based rates and policies that do not worsen availability. He recommended a broad mitigation strategy involving stronger building codes, land-use decisions, stormwater infrastructure, public access to risk data, and incentives for resilient construction. He highlighted programs such as the Insurance Institute for Business and Home Safety, fortified-home standards, wildfire-prepared community practices, and examples from Alabama, Louisiana, and Florida showing that mitigation can produce quick returns and insurance discounts. He also suggested catastrophe savings accounts, flexible coverage options, and a whole-of-government approach that includes the insurance department, building-code agencies, first responders, FEMA, NFIP, and NOAA. In questions, a legislator asked about the prognosis if carriers continue exiting markets and if nothing is done to address affordability and accessibility. Snyder said he could not predict market exits but stressed that regulators should monitor the market closely, use available data, and focus on loss prevention and mitigation. He said insurers want to do business in Kentucky and that the long-term solution is coordinated action among public and private stakeholders to reduce risk and keep coverage available.