Video & Transcript Research : 'hail'
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MN
Minnesota 2025-2026 Regular Session
The Senate's Special Election Results / The Spirit of Civility / Minnesota's Housing Needs Feb 2nd, 2025
Minnesota Senate Floor Meeting
Transcript Highlights:
- When it comes to insurance, where there's been a number of variables, whether they'd be hail storms or
- <00:09:39.959>
whether <00:09:40.160>they'd <00:09:40.320>be <00:09:40.519>hail - <00:09:40.800>
storms variables whether they'd be hail storms variables whether they'd be - hail storms or<00:09:41.760>
other <00:09:42.040>types <00:09:42.240>of <00:09:42.440
HI
Hawaii 2026 Regular Session
AGR Public Hearing - Fri Apr 17, 2026 @ 10:30 AM HST
Agriculture & Food Systems
Transcript Highlights:
- I kind of feel like this is like a last-minute Hail Mary by, you know, two senators to kind of just put
- I kind of feel like this is like a last-minute Hail Mary by, you know, two senators to kind of just put
- I kind of feel like this is like a last-minute Hail Mary by, you know, two senators to kind of just put
Keywords:
rangelands, pastoralists, pastoralism, ranching, ranchers, paniolo, livestock, grazing, grasslands, land management, conservation, sustainable agriculture, agriculture, Board of Agriculture and Biosecurity, University of Hawaii, ecosystem services, carbon sequestration, wildlife habitat, Hawaii counties, International Year of Rangelands and Pastoralists
KY
Kentucky 2026 Regular Session
Senate Legislative Session Day 19 (2-3-26)
Kentucky Senate Floor Meeting
Transcript Highlights:
- <00:23:15.039>
He <00:23:15.600>hails uh but he's from Orangeboro. - He hails uh but he's from Orangeboro. He hails from<00:23:16.159>
Orangeboro.
Summary:
The Senate convened with an invocation and the Pledge of Allegiance, confirmed a quorum, and approved the journal from Monday, February 2, 2026. The chamber received House messages that the House had passed HB 143, 164, 314, and 398 and requested concurrence. The Agriculture Committee reported SB 5 and SB 73 favorably, and those bills were advanced to the calendar. The Senate also took up several new measures, including SB 155 on animal health emergencies, SJR 75 on utility affordability and essential services, and SR 76 honoring Frank Ryard.
The main floor action centered on SB 48, relating to mandatory re-entry supervision. The bill was explained as tightening eligibility by excluding inmates with two or more violent-felony convictions or those recommitted for probation, shock probation, parole, or conditional discharge violations, and requiring an annual Department of Corrections report to the judiciary committees. After a roll call, SB 48 passed 38-0. The Senate then considered SB 102 on Kentucky State Police staffing; after an amendment was withdrawn, the bill was explained as extending the Trooper R return-to-service eligibility window from the original retirement date to the last day worked, without changing benefits or retirement obligations. SB 102 also passed 38-0.
During announcements and communications, senators discussed committee meetings, legislative receptions, and co-sponsorship requests. A resolution honoring the 22nd Black History Celebration was adopted, and a senator spoke at length about the event and the recognition of Moneta Sleet Jr. Another senator used the floor to urge stronger enforcement and transparency around child marriage laws, citing continued noncompliance and the need to protect minors. Later, the clerk reported additional new bills, including SB 156 on child marriage, SB 157 on mortgage loan income limits, SB 158 on vehicle financial protection products, SB 159 on missing and unidentified persons, SB 160 on child care centers, SB 161 on employment, and SR 77 honoring Norma June Evans. The Senate then adjourned until 2 p.m. on Wednesday, February 4, 2026.
AZ
MN
Minnesota 2025-2026 Regular Session
Committee on Housing and Homelessness Prevention - 03/13/25
Housing and Homelessness Prevention
Transcript Highlights:
- <01:24:22.679>
storm <01:24:23.400>many to damage from a hail storm many to damage - from a hail storm many residents<01:24:24.159>
in <01:24:24.400>including <01:24:24.760> - <01:25:17.760>
storm <01:25:18.040>occurred stated the supposed hail storm occurred - stated the supposed hail storm occurred one<01:25:18.840>
week <01:25:19.360>after <01: - refused to pay for homeowners uh hail refused to pay for homeowners uh hail damage<01:40:20.599>
KY
Kentucky 2025 Regular Session
Interim Joint Committee on State Government (11-13-25) - Reupload
Transcript Highlights:
- Chairman Hail, would you lead us in a prayer? Thank you, Chairman.
- Representative Hail and Chair Johnson, here. I guess we got to count these pesky chairmen too.
- >> Representative<00:03:00.000>
Hail. - Chairman Hail. >> Thank you, Mr. Chairman.
- Chairman Hail. >> You're welcome. Chairman Hail.
Keywords:
Discussion of BR 25 (2026 RS) 04:15
Presentation on voting systems by ES&S 48:14
Presentation on voting systems by Hart InterCivic and Harp Enterprises 01:13:07, 958, all
Summary:
The committee met to approve the October 21 minutes and then took up BR 25 for the 2026 regular session, a proposal relating to prohibited uses of tax dollars and public resources. The sponsors said the bill is intended to strengthen existing law by adding civil and criminal penalties for taxpayer-funded advocacy on ballot questions, especially in light of controversies during the 2024 election over school officials and districts using public resources to oppose a constitutional amendment. They also described related concerns about school districts hiring third-party lobbyists and public relations firms, particularly in Fayette County, and said the proposal was meant to keep tax dollars focused on public services rather than political persuasion.
Committee members raised several concerns about scope and drafting. Some asked whether the bill should specifically mention schools, school boards, and school employees, and the sponsors said they would add that language. Others questioned whether the measure would also affect local government lobbying through groups like KLC and KCO, and the sponsors said they intended to focus narrowly on schools while exempting certain advocacy organizations and internal government lobbyists. Members also asked whether public employees could still speak as private individuals, and the sponsors said yes. Several members suggested splitting the lobbying and ballot-advocacy issues into separate bills, and the sponsors said they would consider that.
Members also pressed for clarification on how the bill would apply in practice, including whether it would cover legal challenges to petition drives or only advocacy after a question is on the ballot. Counsel for the sponsors said the bill would not cover some petition-related litigation as drafted, though they believed it should. The sponsors and supporters argued the proposal was needed to give the existing prohibition real enforcement, while some members warned that the language could unintentionally limit legitimate public representation or be too broad if not carefully drafted. No final vote was taken during the discussion.
CA
California 2025-2026 Regular Session
Assembly Select Committee on Biotechnology and Medical Technology Oct 27th, 2025
Transcript Highlights:
- As Assembly Member Ward mentioned, I kind of hail from just across the bay, so of course, she who is
- As somebody member Ward mentioned, I kind of hail from just across the bay, so of course, she who is
- From my perspective, where I hail from in San Mateo County, before coming to the legislature, I was the
Summary:
The Assembly Select Committee on Biotechnology and Medical Technology held an informational hearing on the role of biotechnology industries in wastewater treatment, hosted at Bakar Labs on the UC Berkeley campus. Opening remarks emphasized California’s water scarcity, the rising cost of wastewater infrastructure, and the need to reuse and clean contaminated water. Committee members framed the hearing as a look at both current treatment challenges and emerging technologies that could improve water quality, affordability, and resilience over time.
The first panel focused on statewide wastewater challenges. BACWA Executive Director Laurie Fono described wastewater plants as part of a broader circular economy, noting their roles in recycled water, environmental enhancement, biosolids management, carbon sequestration, and renewable energy generation. She highlighted major challenges including aging 1970s-era infrastructure, nutrient reduction mandates, sea level rise, evolving regulations, and PFAS source control. She said Bay Area agencies face about $11 billion in nutrient reduction costs, with rate increases, state revolving funds, WIFIA loans, and bonds as the main financing tools. Members asked about regional differences, energy revenue opportunities, smaller decentralized plants, and agricultural collaboration.
The second panel featured researchers and lab experts discussing biotechnology solutions. Lawrence Berkeley National Lab’s Dr. Romine Chakarvati described using microbial communities and machine learning to help break down PFAS and treat produced water. CEL Analytical’s Dr. Yigi Dearborn explained pathogen testing for direct potable reuse, wastewater monitoring, and the need for larger sample volumes and more funding to validate methods for viruses and protozoa. Stanford’s Dr. Chunhung-Shin presented an anaerobic membrane system that turns domestic wastewater into clean water and energy with less biosolids and lower operating costs. Committee members asked about AI, assay development, scaling technologies, and funding priorities. Public comment from the California Association of Sanitation Agencies stressed the need to balance scalability, reliability, and affordability, and the hearing adjourned without any formal vote or action.
TX
Transcript Highlights:
- Section 551, 253, it very broadly states that the subchapter does not currently apply to... ...storm and hail
- conversations with Senator West's office, I believe that the intent originally of this on the windstorm and hail
- As it's written right now, every residential property policy in the state is a hail-wind-storm policy
Bills:
HB854, HB 1052, HB1642, HB2076, HB3042, HB3695, HB3787, HB4062, HB4092, SB213, SB493, SB896, HB5519, HB4635
Keywords:
insurance, replacement cost, homeowner's policy, renter's policy, condominium insurance, property damage, claims process, telemedicine, teledentistry, telehealth, health benefit plan, insurance coverage, out-of-state services, anxiety, pain management, contraceptive devices, women's health, medical procedures, healthcare, laboratory
MN
Minnesota 2025-2026 Regular Session
Autonomous vehicles regulated 3/4/26
Minnesota House Floor Meeting
Transcript Highlights:
- <00:15:20.320>
people <00:15:20.560>use <00:15:20.720>to <00:15:20.880>hail - <00:15:21.120>
the <00:15:21.360>ride use that people use to hail the ride use that - people use to hail the ride because<00:15:21.839>
it's <00:15:22.000>a <00:15:22.160>- ,<00:33:56.320>
agriculture, <00:33:57.200>aviation, <00:33:57.760>and hailing,- agriculture, aviation, and hailing, agriculture, aviation, and advanced<00:33:58.320>
mobility - ,<00:33:56.320>
Summary:
The committee took up House File 5313, a bipartisan bill to create a statewide framework for autonomous vehicles in Minnesota. The author said the bill is intended to improve safety, provide regulatory clarity, avoid a patchwork of local rules, and support economic development and mobility for seniors and people with disabilities. The bill was described as a work in progress, and the committee adopted three author amendments: A12, a technical correction; A15, which states MDOT and Public Safety can absorb the bill’s incidental costs within existing resources; and A14, which added clarifying airport-related language requested by the Minneapolis-St. Paul airport/MAC.
The Minnesota Department of Transportation testified in support of continued discussion but said the bill needs more work in several areas, including an annual MDOT permitting process for AV operators, defining operational design domains, adding stronger enforcement authority, clarifying remote assistance roles, and requiring fully automated vehicles to be registered with Public Safety. MDOT said it has worked with the governor’s connected and automated vehicles council and more than 70 stakeholders on recommendations. Industry and transit witnesses strongly supported the bill, citing existing AV deployments and safety benefits. Southwest Transit’s CEO said its Eden Prairie AV service has carried 27,000 riders over 112,000 miles with no accidents, strong customer satisfaction, and increased ridership. A Whimo representative said the bill would create regulatory certainty and help expand AV deployment.
Several public witnesses emphasized accessibility and safety. A disability advocate described how autonomous vehicles could improve independence for people who cannot drive, including those with epilepsy and other disabilities, and urged passage of the bill. A former 911 dispatcher and state patrol employee said AVs could reduce crashes and protect drivers, pedestrians, and officers, contrasting a dangerous human ride-share experience with a safer autonomous ride. Another disability advocate and blind Minnesotan testified that AVs could help address transportation barriers, though he also noted ongoing discrimination problems with ride-hailing services for blind riders with guide dogs. After the amendments were adopted, the bill was moved to the Commerce Committee.
KY
Kentucky 2025 Regular Session
Interim Joint Committee on State Government (11-13-25)
Transcript Highlights:
- . >> Chairman Hail, would you lead us in a prayer?
- Representative Hail and Chair Johnson, here. I guess we got to count these pesky chairmen too.
- >> Representative<00:03:04.000>
Hail. - <00:31:48.559>
Chairman <00:31:48.960>Hail. >> You're welcome. - Chairman Hail. >> You're welcome. Chairman Hail.
Keywords:
Discussion of BR 25 (2026 RS) 04:15
Presentation on voting systems by ES&S 48:14
Presentation on voting systems by Hart InterCivic and Harp Enterprises 01:13:07, 958, all
Summary:
The committee met, approved the October 21 minutes, and then took up BR 25 for the 2026 regular session, a proposal to prohibit the use of tax dollars and public resources to advocate for or against ballot questions, including constitutional amendments. Senator Rawlings and the other presenters argued the current law already bars such advocacy but lacks meaningful enforcement, citing the 2024 school choice amendment campaign and other examples where public officials and school systems allegedly used taxpayer-funded resources to influence voters. They said the bill would add civil and criminal penalties, while preserving First Amendment rights for public employees acting in their personal capacities.
Much of the discussion focused on whether the bill should be limited to school districts or broadened to cover other public entities, and on how to define terms such as “advocating in impartial terms.” Members raised concerns about possible effects on county and city lobbying through groups like KLC and KCO, on legitimate factual explanations by public officials, and on whether the bill could unintentionally restrict needed representation for local governments. The sponsors said the measure was intended to be narrow, would be vetted further, and would not bar individuals from speaking on their own behalf.
Several members suggested revisions. Representative Lockett asked that schools and school employees be specifically named, and suggested separating the lobbying restrictions from the ballot-measure provisions into different bills. Representative Layman questioned the meaning of the bill’s language and whether it would cover factual testimony by officials. Representative Heen asked about a Jefferson County example involving legal fees used to challenge petition signatures; counsel said that situation would likely be allowable under the bill as drafted, though some members thought it should be covered. No final vote was taken on BR 25 during this discussion.
MA
Massachusetts 2025-2026 Regular Session
Joint Committee on Agriculture Jun 21st, 2026 at 10:30 am
Joint Committee on Agriculture and Fisheries
Transcript Highlights:
- We've got African Americans, we've got folks hailing from Puerto Rico.
- We actually just welcomed someone hailing from Haiti onto the team. We've got folks...
- We actually just welcomed someone hailing from Haiti onto the team. We've got folks from Jamaica.
- I hail from Weymouth, and I have extensive experience in animal welfare policy, including roles at Tufts
Summary:
The Joint Committee on Agriculture opened its first hearing by outlining procedures, including three-minute testimony limits, written testimony options, and the plan to hear 27 bills in docket order. The committee then took testimony on H.11/S.53, a resolve promoting equity in agriculture, with advocates from the Massachusetts Food System Collaborative, Southeastern Mass Agricultural Partnership, and urban farming organizations describing racial and economic disparities in farming, lack of data on BIPOC farmers, barriers to land and capital, and the need for a commission to collect information and recommend policy changes. Committee members asked questions about the importance of data collection and future policy development, and the bill was repeatedly urged to be reported favorably out of committee.
Testimony also supported H.118, which would create a special commission to examine the strengths and sustainability of the Commonwealth’s emergency food network. The Amherst Survival Center described serving 1.6 million meals last year and explained that food pantries are now functioning as essential parts of the state’s food system while relying heavily on donations, volunteers, and unstable funding. Members discussed the need for a more holistic look at food security infrastructure. The committee then heard H.119/S.60 on climate change impacts on farms and fisheries, with regional planners and farm advocates describing flood damage, rising costs, canceled federal climate-smart funding, and the need for direct state support for adaptation, resilience, and infrastructure improvements.
The committee also heard testimony on H.125/H.142/S.65, a healthy soils bill, from landscape professionals who said construction sites often leave poor or stripped soil and that the bill would require better post-construction soil standards to support healthier landscapes and reduce long-term maintenance and environmental problems. Finally, the committee took extensive testimony on H.127, which would prohibit aquaculture of octopus for human consumption. Supporters, including legislators, scientists, veterinarians, students, and animal welfare advocates, argued octopus are highly intelligent and sentient, cannot be farmed humanely, and that octopus aquaculture would create environmental harms such as waste runoff, pressure on wild fish stocks, and ecosystem disruption. No votes were taken during the hearing; the bills were heard and testimony was received.
KY
Kentucky 2026 Regular Session
House Standing Committee on Primary and Secondary Education. (3-11-26)
Primary and Secondary Education
Transcript Highlights:
- He mentioned Sadieville, because I hail from the free state of Sadieville, I like to call it, which is
- He He mentioned Sadieville cuz<00:08:43.000>
I <00:08:43.120>hail <00:08:43.360>from - 43.520>
the <00:08:43.599>free <00:08:43.840>state <00:08:44.120>of cuz I hail - from the free state of cuz I hail from the free state of Sadieville,<00:08:44.680>
I <00:08:44.720
CA
Transcript Highlights:
- other thing I just want to touch on here is the fact that, unlike wind and other disasters such as hail
- in these apps, and make sure our home is fire safe, if the whole neighborhood doesn't do it, unlike hail
- If the whole neighborhood doesn't do it, unlike hail and wind, we all go up and smoke.
- Same thing, you know, in that context of hail. matter. They lose a roof and you keep your home.
- Same thing, you know, in that context of hail.
MS
Mississippi 2026 Regular Session
MS Senate Floor - 1 April, 2026; 10:00 AM
Mississippi Senate Floor Meeting
Transcript Highlights:
- retrofitting primary residences to withstand catastrophic wind events such as hurricanes, tornadoes, hail
- , and Hurricanes, tornadoes, hail, and strong straight-line winds.
- All we're doing is adding the word hail on 34 to make sure that it conforms with... ...to make sure that
- And that's why you got hail in there. Correct. Correct.
- No, actually hail is one of the covered catastrophic losses that we have throughout the state, but that
NM
New Mexico 2025 Regular Session
IC - Water and Natural Resources Jul 2nd, 2025
Water & Natural Resources Committee
Transcript Highlights:
- However, since 2023, New Mexico has experienced, as you've heard again and again today, catastrophic hail
- An assessment of 10 million in 2024 when the plan had inadequate reserves to pay for that year's hail
- states are choosing IBHS standards as the basis for mitigation programs targeting hurricanes, high wind Hail
- have had three assessments in the past two Years, and this was due to the significant loss due to hail
- The roof is your number one line of defense for any hazard, whether it's wind, water, fire or hail.
KY
Kentucky 2026 Regular Session
Public Pension Oversight Board. (2-13-26)
Transcript Highlights:
- . >> Representative Hail. >> Cochair Hickden. >> Cochair Thomas. We have quorum. >> Yes. All right.
- So, and make note, uh, Representative Hail is here also. We do have a quorum.
- <00:02:08.080>
We <00:02:08.319>do Representative Hail is here also. - We do Representative Hail is here also. We do have<00:02:08.479>
a <00:02:08.640>quorum. - We have Chairman Hail. Some of these are hidden your way afterwards anyway. Thank you, Mr.
Keywords:
Meeting Start: 00:00:00
Attendance Roll Call: 00:00:17
Approval of Minutes: 00:02:09
Legislative Proposals:
HB 213: 00:02:13
HB 516: 00:25:00
HB 589: 00:39:30
Kentucky Public Pension Authority: 00:44:52
Adjournment: 01:14:07, 958, all
Summary:
The Public Pension Oversight Board met on February 13 and approved the minutes after establishing a quorum. The committee then took up three pension-related bills, beginning with Rep. Callaway’s proposal to allow certain retired police officers with 15 to 19 years of service to be rehired by local law enforcement agencies. Callaway and Brandon Lincoln of the FOP said the bill is intended to help recruitment and retention, especially for departments facing staffing shortages, and emphasized that it would be optional and would not allow double-dipping. Committee members raised concerns that lowering the service threshold from 20 to 15 years could create an unfunded liability and weaken the pension system, and several members said they did not yet fully understand how the pension and insurance provisions would work. The sponsor said she was open to working on the bill, and the chair noted the committee would continue to examine it with help from KPA staff.
The second bill, presented by Rep. Lewis with Brandon Lincoln and Jeff Taylor, addressed probationary employees in CS agencies, including firefighters and police officers. The bill would let certain former probationary employees purchase service credit for time spent in probation, and would extend line-of-duty death and disability protections to employees who are injured or killed during probationary service. Testimony said the measure is optional for employers, could be used as a recruitment tool, and would allow employees within six months of the probationary period to buy back the time themselves if they choose. Members generally supported the concept, noted a negligible fiscal note, and discussed whether current employees could buy back older probationary periods; the sponsor said the bill did not appear to allow that, though he was open to further discussion.
Throughout both bills, members focused on whether the proposals would create new pension costs or liabilities and how they would interact with existing retirement tiers and contribution rules. Several members asked for clarification on whether rehired workers would contribute to the pension system, whether employers would pay normal cost or any contribution at all, and whether the bills would affect future retirement benefits. The sponsors and witnesses repeatedly said the measures were limited, optional, and intended to address staffing and fairness issues without changing the core retirement system, but the committee did not take final action on the bills during the discussion.
KY
Kentucky 2025 Regular Session
Interim Joint Committee on Agriculture (7-10-25)
Transcript Highlights:
- Representative<00:01:07.040>
Hail Representative Hail Representative Hail present. present. present - Um, we'll let Representative Hail have last word here. Representative King, it's okay.
- Um, we'll<01:07:59.760>
let <01:08:00.079>Representative <01:08:00.559>Hail <01:08 - :00.960>
have <01:08:01.119>last we'll let Representative Hail have last we'll let Representative - Hail have last word<01:08:01.599>
here.
Summary:
The Committee on Agriculture met with a quorum, approved the June 5, 2025 minutes, and heard a presentation from Don Pemberton and David Buchanan of AgriKim/AgriCam on the Eddyville Riverport fertilizer terminal. They explained that the company supplies fertilizer, crop protection, and seed across western Kentucky, with the Eddyville port serving as a key source for about 100,000 tons of fertilizer annually and supporting roughly 20 counties and 19 wholesale customers. They said the existing facility is aging and vulnerable to river humidity and corrosion, and they proposed reconstructing the fertilizer bins into a fully enclosed, more durable facility with an estimated cost of about $1.76 million, far less than rebuilding from scratch.
The presenters argued the project is important to keep fertilizer moving quickly during a short application season, to manage global supply disruptions and tariffs, and to avoid higher freight costs if product had to come through other ports. They also emphasized environmental benefits from a contained facility that would reduce runoff into nearby waters. Committee members asked about supply sources, demand trends, ownership, lease terms, and whether the building’s capacity would change. The witnesses said demand is increasing, much of the product still comes from overseas or other domestic ports, and the building would be owned by the company while the Riverport Authority owns the ground.
Several members expressed support for the port’s importance to western Kentucky agriculture and noted the need for timely fertilizer storage and delivery. One member, however, said he was not in favor of using public money to subsidize a private, for-profit business and urged the company to negotiate a longer lease with the Riverport Authority before making such a capital investment. The discussion ended without a vote or formal action on the project, though members indicated the issue may be revisited and that the Riverport Authority will later present additional needs to the transportation committee.
NY
Transcript Highlights:
- I think that's why all of us, Democrat and Republican, run for office, hail from the great city of New
- And it'll... ...run for office, hail from the great city of New York City, and it'll still be a great
Summary:
The Senate Standing Committee on Cities 1 met on May 14, 2026, with a quorum present and Chair Erik Bottcher presiding. The committee considered a series of bills affecting New York City and related tax, housing, and municipal issues. Early measures included a neighborhood small business rent increase exemption (S.1451A), notice to community boards before locating transitional housing (S.3884), a solar and energy storage tax abatement credit (S.4272A), towing protection enforcement (S.4793), safety policies and training for correction and health workers (S.543?), and a proposal to create the city of Staten Island (S.8578). Most of these bills were advanced to other committees after brief discussion and voice votes.
The most extensive debate centered on S.8578, which would incorporate Staten Island as a separate city. Senator Lanza argued that Staten Island has long been neglected by New York City, cited past referendums and historical grievances, and urged the committee to let the bill continue through the process. Chair Bottcher and other members responded that Staten Island is an important part of New York City and discussed housing, transit, environmental preservation, and the City of Yes zoning changes; several members said they did not support secession but were open to continued conversation about Staten Island’s needs. After debate, the bill was defeated in committee.
The committee also considered an artist housing preferences bill (S.9652), a facade-work tax abatement bill (S.9559), a parkland discontinuance measure (S.9987), and a credit/debit card surcharge prohibition bill (S.1005). S.9652, S.9559, S.9987, and S.1005 were reported out after voice votes. One homeless shelter placement bill (S.5554) failed. The meeting concluded after the final votes and adjournment.
MN
Minnesota 2025-2026 Regular Session
Task Force on Homeowners and Commercial Property Insurance 10/22/25
Minnesota House Floor Meeting
Transcript Highlights:
- but question if you could clarify for HOAs, CICs, is there a cap Fannie and Freddie have on the wind hail
- 43:05.760>
wind result of property damage claims wind result of property damage claims wind hail - 07.839>
water <00:43:08.240>damage <00:43:09.200>those <00:43:09.440>were hail - And a lot of that is the hail and the wind.
- fast, but coverage is shrinking” is confirming that states like Minnesota, experiencing strong winds, hail
Summary:
The task force met on October 22, 2025, with a quorum present and several members participating remotely. Members approved the minutes from the previous meeting. Michelle Urick of the Legislative Coordinating Commission then gave an administrative update on proxy voting and the task force’s operating procedures. She said the enabling statute only authorizes the officially appointed member to act and vote, so proxy voting is not allowed, and votes must be cast in person at the meeting where the item is considered. She also said members may submit written positions, but not vote before or after a meeting. In response to concerns about attendance for future votes, the chair said the January meetings would be rescheduled if possible using a Doodle poll so more members could be present in person. The group also agreed to treat the revised document as operating procedures rather than a formal charter, with no separate adoption action needed at that time.
The task force then moved into testimony on homeowners and commercial property insurance. Paul Edgar of Minnesota Realtors said rising insurance costs are adding to housing affordability pressures, citing an increase in the monthly principal, interest, taxes, and insurance payment on a median-priced Minnesota home from $1,622 in 2021 to $2,642 in September 2025. He said higher insurance costs and limited coverage can affect buyers’ financing, especially for condominiums and townhomes, and urged continued work on liability and insurance-related laws that may discourage condo development. He also referenced prior bipartisan reforms to Minnesota’s condominium construction defects law and said his organization supports further improvements to encourage more condo production.
Keenan Ravery of the Minnesota Mortgage Association focused on how insurance requirements affect mortgage lending. He explained that lenders require insurance both at origination and throughout the life of the loan, with standards aimed at protecting collateral rather than providing full homeowners coverage. He said replacement-cost coverage has long been the norm, but recent issues with roofs, deductibles, HO-6 policies, and force-placed insurance have become pain points for consumers and lenders. He said his association is working with national trade groups on reforms that could allow more flexibility in coverage types and deductibles, and he expressed hope that Fannie Mae, Freddie Mac, and the Federal Housing Finance Agency may announce policy changes in the coming months or by early 2026. No votes or substantive policy actions were taken beyond approving the minutes and agreeing to pursue scheduling adjustments for January.
MD
Transcript Highlights:
- . >> [applause] Our next page hails from District 26, Crossland High School, Amari Barnes.
- Thank you. >> [applause] Our next page hails from District 44, Mount de Sales Academy, Nina Campbell.
- Thank you, Nina. >> [applause] >> [applause] Our next page hails from District 46, Baltimore City High
- Thank you, Annabelle. >> [applause] Our next page hails from District 31, Chesapeake Science Point Public
Summary:
The Maryland Senate convened with 39 members present and a quorum. The session opened with an invocation by Bishop Antonio Palmer of Kingdom Celebration Center, whose remarks were journalized. The President and members also welcomed several guests to the chamber, including former Delegate Sean Terrence, students from Charles H. Flowers High School and Garrison Forest School, Dr. Lee Snyder as doctor of the day, and Dr. Barbara Ann Palmer in recognition of Women’s History Month. The President also noted that the next day would be pro forma and that some scheduled items would be moved to the following week.
The Senate considered Executive Nominations Report No. 6, covering gubernatorial nominees for boards and commissions including the State Board of Education, MEDCO, and the University System of Maryland Board of Regents. On motion of the committee chair, the report was special ordered to Tuesday, with members asked to review the list for recusals or related issues. The chamber then took up Senate Bill 890, which concerns an insurance premium receipts tax exemption for captive insurance procured by nonprofit hospitals and health care systems.
On SB 890, the Senate adopted the committee amendments and then adopted a floor amendment offered by the bill sponsor. The amendment was described as replacing the bill’s earlier approach with a two-year moratorium on collection of any related liabilities, followed by a Maryland Insurance Administration report back on ongoing investigations. One senator raised concern that the amendment’s language could require the state to refund taxes already paid by hospitals and others, potentially costing millions, and asked for more time to review it; the motion to special order the bill was defeated. After discussion, the amendment was adopted and the bill was ordered printed for third reading.
At the close of the floor session, committee and delegation announcements were made, including Finance, Triple E, Judicial Proceedings, Budget and Tax, Executive Nominations, and several county delegations. A senator from District 6 also spoke about the anniversary of the Key Bridge collapse and thanked colleagues for bipartisan work on related legislation and recovery efforts.