Video & Transcript Research : 'Alabama insurance 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:
  • and commercial lines insurance. and commercial lines insurance.
  • the Insurance Federation of Minnesota. the Insurance Federation of Minnesota.
  • code standard in those states. code standard in those states.
  • successful application for insurance. successful application for insurance.
  • the insurer is pricing at. the insurer is pricing at.
Keywords: 919, house, all
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.
MN

Minnesota 2025-2026 Regular Session

House Elections Finance and Government Operations Committee 3/23/26

Elections Finance and Government Operations

Transcript Highlights:
  • or to join self-insurance pools.
  • or to join self-insurance pools.
  • or to join self-insurance pools.
  • or to join self-insurance pools.
  • that um fell outside of our normal code. that um fell outside of our normal code.
FL

Florida 2026 Regular Session

Criminal Justice Feb 11th, 2026

Criminal Justice

Transcript Highlights:
  • We're going to go to tab 2, SB 642, foreign and alien bail bond insurers.
  • The bill would align certain recordkeeping and disclosure requirements for foreign and alien insurers
  • so that they operate under the same rules as domestic ones in the bail bond surety world, the insurance
  • Amendment bar code 8-760. Seeing none, there is one amendment.
  • Amendment bar code 876382 by Senator Bradley.
Summary: The committee met with a quorum present and took up a series of bills, beginning with SB 1300 on education and workforce development for current and former inmates. Senator Claudio explained that the bill is intended to expand collaboration between the Department of Transportation and the Department of Corrections to provide training opportunities tied to Florida’s need for CDL drivers. The bill was reported favorably without debate. Members then considered SB 896 on campus safety, as amended by strike-all and late-filed amendment. The bill would require postsecondary institutions to adopt active assailant response plans, conduct security risk assessments, improve threat reporting and information sharing, and allow voluntary participation in the guardian program; the late-filed amendment removed a prohibition on guardians wearing uniforms. After questions about the firearm-discharge provision near campuses and testimony both for and against, the committee reported the bill favorably. The committee also reported favorably SB 86 on commercial motor vehicles operated by unauthorized aliens, SB 642 on foreign and alien bail bond insurers, and confirmed appointees listed on tabs 10 through 19. The committee next heard SB 712 on pyramid promotional schemes, which would create a new prohibition and increase penalties while preserving legitimate direct sales plans. Members raised concerns about whether participants in such schemes might themselves be victims, and the sponsor said prosecutorial discretion would distinguish victims from primary wrongdoers; the bill was reported favorably. SB 1224 on rental housing application fraud was also amended and reported favorably after testimony from apartment and realtor groups in support. In the latter part of the meeting, Chair Martin presented SB 1370 to expand habitual traffic offender status to repeated unlicensed driving, and SB 1712 to create a statewide FDLE counterintelligence and counterterrorism unit. SB 1370 was reported favorably unanimously. SB 1712 drew extensive questioning and public opposition over concerns about broad language, surveillance, and possible impacts on speech and protest, but the sponsor said the unit would focus on protecting the state from adversary intelligence threats and operate within constitutional limits; it was reported favorably. Finally, SB 758 on the Justice Administrative Commission was amended to adjust commission membership and reported favorably unanimously. The committee then recorded additional votes for members and adjourned.
HI

Hawaii 2026 Regular Session

AEN Public Hearing 02-04-2026

Agriculture and Environment

Transcript Highlights:
  • , maybe health insurance, and liability insurance for the farmers. >> Okay. >> So if we kind of do those
  • SP 2318. now we were looking at crop insurance now we were looking at crop insurance maybe<00:07:11.520
  • :13.680> liability maybe health insurance and um liability maybe health insurance and um liability
  • insurance<00:07:15.039> for<00:07:15.280> the<00:07:15.440> farmers.
  • insurance for the farmers. insurance for the farmers. >> Okay. >> Okay.
Summary: The committee heard testimony on several agriculture-related measures, beginning with SB 2309, which would require the agricultural loan division to sell portions of its loan portfolio and use the proceeds to expand the agriculture loan revolving fund. The Department of Agriculture and Biosecurity and the Hawaii Farm Bureau supported the bill, along with several other organizations and individuals. A committee question focused on the risk of not finding a qualified buyer for the loan portfolio; DAB said a mandatory sale of the full amount could force a less favorable rate, while flexibility to sell different amounts could produce a more equitable return. The measure drew eight supporters and no opposition. The committee then took up SB 2317, which directs DAB to study insurance coverage for small producers and report back to the Legislature. DAB and multiple farm groups supported the bill. In response to a question about cost, DAB estimated about $250,000 would be needed, with the study likely covering crop, health, and liability insurance. The next measure, SB 2318, would establish an agriculture statistics program in statute. DAB said it strongly supported the bill and could ramp up quickly if positions were provided; the committee discussed whether a first report could be completed by year’s end if the bill became law midyear, and DAB said yes. SB 2319, which would fund and make permanent a full-time grant writer position at DAB, also drew strong support from DAB, the Hawaii Farm Bureau, Ulupono Initiative, the Hawaii Cattlemen’s Council, the local food coalition, and others, with testifiers emphasizing the position’s return on investment and success in bringing in federal funds. The committee also heard SB 2321, establishing a two-year pilot program to respond to the twoline spittlebug. DAB, ranching groups, and many others supported the bill, citing the pest’s spread and the need to act before it becomes unmanageable. A DAB pest control manager said he would need to research past response details and provide them later. Members emphasized the importance of early intervention. For SB 2323, which creates a farmland transition commission to study barriers to farmland access and recommend solutions, DAB offered comments and support for the intent, while farm groups generally supported the concept but raised concerns about the proposed age range and whether a separate commission was necessary. DAB said the Board of Agriculture likely would not have the capacity to perform the commission’s duties and estimated there would be costs to establish it, though no figure was available at the hearing. Finally, the committee heard SB 2332, which reestablishes the agriculture and food security special fund, creates a carbon emissions tax and dividend fund, gradually raises carbon-related tax rates, and provides a refundable carbon cashback credit. DAB supported the measure and deferred to Taxation on details; the Department of Taxation said it would stand on its comments, and the Attorney General’s office offered comments and recommendations. Carbon Cashback Hawaii and the County of Hawaii Department of Research and Development supported the bill, arguing it would reduce emissions, protect lower-income households, and be relatively simple to administer.
FL

Florida 2026 Regular Session

Transportation Feb 3rd, 2026

Transportation

Transcript Highlights:
  • And the last point is the operators have, you know, have insurance, carry insurance.
  • So we write a vast majority of the auto insurance in this state.
  • Like maybe a little less on the insurance side and insurer side, but does elicit some questions for the
  • I was kind of curious how insurance handles EVs.
  • Progressive.com says that historically insurance rates for EVs...
Bills: S0260, S1220, S1352, S1362, S1370
Summary: The Senate Transportation Committee heard several bills, beginning with SB 1362 on advanced air mobility. Senator Harrell described the bill as a framework for vertiports and eVTOL aircraft, but an amendment removed the sales tax exemptions and narrowed the sovereign immunity provisions to vertiports co-located at airports. Supporters said the bill would help Florida lead in emerging aviation technology, while opponents and some members raised concerns about safety, local control, and extending immunity to unproven facilities. The committee adopted the amendment and reported the bill favorably. The committee also considered SB 260 on storage of damaged electric vehicles. The bill, as amended, would allow local governments to set a daily administrative fee of up to three times the normal rate for storing EVs with visible battery damage or saltwater intrusion, reflecting fire-safety spacing requirements. Testimony from insurers, towing interests, and fleet operators focused on whether the fee was justified, whether cleanup language could lead to cost shifting, and whether more data reporting should be required. The amendment was adopted and the bill was reported favorably. Members then approved SB 1352, which creates a secure online portal for license plate seizures and related DMV functions, preserves disabled veterans’ plate designations, prohibits license plate covers that obscure plates, and routes online license and ID renewals through county tax collectors. SB 1370 was also reported favorably; it closes a loophole so drivers who never obtained a license can still face habitual traffic offender penalties after repeated offenses. Finally, the committee took up SB 1220, a broad FDOT transportation package. After amendment, it retained provisions on trails, SunTrail, seaports, airports, drone delivery, autonomous vehicle protections, and FDOT coordination on federal funding, while removing the digital driver’s license provision and the rapid rail compact language. The committee adopted the amendment and reported the bill favorably.
FL

Florida 2026 Regular Session

Judiciary Jan 20th, 2026

Judiciary

Transcript Highlights:
  • It's not subject to the regulatory requirements or consumer protections of the insurance code.
  • and not subject to the insurance code.
  • code.
  • and not subject to the insurance code.
  • code.
Summary: The committee considered several bills and reported each favorably. SB 624, by Senator Yarborough, would allow batterers intervention programs to offer optional supplemental faith-based activities, with no participant required to take part. Supporters said it would expand provider options and help address a shortage of certified programs; opponents raised concerns about mixing government-ordered programming with religion and about the state’s prior rule change. The bill passed 7-2. The committee also approved CS/SB 834, which repeals a 2022 restriction barring licensed insurance agents from partnering with health care sharing ministries to market or sell their programs. The sponsor and supporters argued the bill restores free speech, consumer choice, and access to faith-based alternatives, while opponents warned about consumer confusion, higher commissions, and weak protections because these ministries are not insurance. After extended debate, the measure passed 8-2. Other measures advanced unanimously or near-unanimously. CS/SB 502, as amended, would give Florida concurrent jurisdiction over certain juvenile offenses on military installations so juveniles can be handled in the state system; it passed 9-0. CS/SB 52 would exempt volunteer armed security for houses of worship from Class D or G licensing requirements, and supporters cited rising threats to churches and the need for organized volunteer security; it passed 9-0. SB 840, a cleanup bill to narrow and clarify last year’s emergency-related land-use restrictions after hurricanes, also passed 9-0, and CS/SB 758, which updates the membership of the Justice Administration Commission, passed 9-0 after an amendment restoring two public defenders to the commission.
KY
Transcript Highlights:
  • certain coverages to health insurance. certain coverages to health insurance.
  • cost share for the insurer. cost share for the insurer.
  • insurance. That's all I have. Mr. insurance. That's all I have. Mr.
  • And so banking um and insurance.
  • era of high deductible insurance plans. era of high deductible insurance plans.
Summary: The Interim Joint Committee on Banking and Insurance met for its first interim meeting, established a quorum, approved routine opening items, and welcomed a new committee assistant and a legislative intern. The committee first heard a Kentucky Bankers Association presentation from Tim Shank and John Cooper focused on the state’s housing shortage, which they described as affecting all 120 counties and especially low- and moderate-income and workforce housing. They urged support for a proposed $20 million banker-backed revolving fund, paired with tax credits, to finance new housing construction; they said the program would be flexible, could support alternatives such as manufactured housing, and would use below-market loans with tax credits vesting over five years only after units are completed. They also asked for extension of the historical tax credit carryforward from five to seven years and for continued support of new market tax credits, arguing that supply-chain delays make the longer period necessary for historic rehabilitation projects. The bankers also raised concerns about credit unions, arguing that because credit unions do not pay the same taxes as banks, they should not be allowed to acquire healthy state-chartered banks or hold state and local deposits. They cited the recent purchase of First State Bank of Middlesborough as an example, saying the transaction would reduce state, county, and city tax revenue and weaken local tax bases. In response to committee questions, the presenters said local regulations, zoning, parking, sidewalk, and utility easement issues can significantly delay housing projects, and they emphasized that state policy and infrastructure support are needed to help address affordability and development barriers. The committee then shifted to a Department of Insurance presentation by Commissioner Sharon Clark on how to read KRS 6.948 health mandate and federal cost defrayal impact statements. Clark explained that the mandate statements were created in 1998 so legislators would have actuarial estimates of how proposed health insurance mandates would affect administrative costs, premiums, and total costs, and she noted that later legislation added federal cost-defrayal analysis. She also reviewed the background of the Affordable Care Act’s essential health benefits framework and said the department’s statements are intended to help lawmakers make informed decisions on proposed health coverage mandates. No votes or formal actions were taken during the portion of the meeting provided.
LA

Louisiana 2026 Regular Session

House of Representatives Apr 16th, 2026

Louisiana House Floor Meeting

Transcript Highlights:
  • House Bill 1151 by Representative Bayham, investment of domestic insurers, solvency, life insurers, and
  • other than life insurers.
  • Report from Insurance with amendments.
  • Insurance reports favorably.
  • Insurance reports favorably. Passed to third reading.
Summary: The House convened with a quorum, opened with prayer and the Pledge of Allegiance, and received Senate messages, including several Senate bills and resolutions that were referred or laid over. The chamber also adopted a series of House resolutions honoring local organizations, commemorations, and community events, and referred one resolution on climate action to Natural Resources. Several Senate bills were read and referred to the appropriate committees, including measures on peer review confidentiality, higher education research security, pre-K program standards, police civil service, and a memorial highway designation. The main floor business was the budget. The House considered House Bill 1, the general appropriations bill, in Committee of the Whole and reviewed major funding levels and committee changes across state government. The bill included significant funding for early childhood education, higher education, TOPS, health care, corrections, public safety, transportation, and other agencies, along with adjustments tied to LASERS debt payoff, Medicaid, MFP, and various one-time or recurring items. Members heard brief questions on higher education funding and DOTD road needs, but no amendments were offered on the floor during the schedule-by-schedule review. HB 1 was reported from Committee of the Whole with amendments and then finally passed by a vote of 104 yeas. The House then took up House Bills 2 and 3, the capital outlay bill and the omnibus bond authorization act, both of which were explained as the financing measures for the capital program. HB 2 emphasized limited member project funding, reallocation of dormant projects, and bundling of projects to move them forward more efficiently; HB 3 authorized the bond sales needed to fund HB 2. Both bills passed unanimously or near-unanimously. The chamber also passed supplemental and fiscal bills including HB 312, HB 313, HB 383, HB 314, HCR 3, HB 983, and HB 1126, covering supplemental appropriations, treasury fund transfers, ancillary funds, hospital assessments, judiciary funding, and legislative expenses. The meeting ended with personal privileges, staff recognition, announcements, and adjournment to Monday at 1:00 p.m.
LA

Louisiana 2026 Regular Session

House of Representatives Apr 16th, 2026

Louisiana House Floor Meeting

Transcript Highlights:
  • Reported from the Committee on Insurance with amendments.
  • House Bill 1151 by Representative Bayham, investment of domestic insurers, solvency, life insurers, and
  • other than life insurers.
  • Insurance reports favorably. Passes third reading.
  • Insurance reports favorably.
Summary: The House convened with a quorum, opening prayer, and pledge, then moved through messages from the Senate, committee reports, and a series of resolutions and bills. Several House resolutions were adopted without objection, including recognitions for Louisiana Occupational Therapy Association Day, Denham Springs High School robotics, a tomato festival, Holocaust remembrance, and other commendations and observances. Senate bills and resolutions were received and referred or laid over, and multiple House and Senate measures were sent to committees for further consideration. The chamber then resolved into the Committee of the Whole for House Bill 1, the general appropriations bill. Representative McFarland outlined the budget, emphasizing LASERS debt payoff using surplus funds, reductions in LDH and MFP based on spending and enrollment trends, and major funding items such as early childhood education, scholarships, workforce programs, FEMA debt payments, and public safety needs. Members asked questions about early childhood funding and higher education grants, including a request for follow-up information on a Lumina Foundation grant. The committee adopted each schedule of HB 1, and the House later returned to regular session and passed HB 1 on final passage by 104 yeas. The House then took up and passed HB 2, the capital outlay bill, and HB 3, the omnibus bond authorization act, both by unanimous or near-unanimous votes. It also passed HB 312, the supplemental appropriations bill, HB 313 on treasury fund transfers and deposits, HB 383 on ancillary/internal service funds, HB 314 on revenue-sharing allocations, HCR 3 on the hospital stabilization formula, HB 983 on judiciary appropriations, and HB 1126 on legislative branch appropriations. Throughout these measures, members highlighted funding for roads, corrections, public safety, education, health care, and economic development, and several members and staff were recognized for their work before the House adjourned to Monday.
TX

Texas 89th 2nd C.S.

Natural Resources Apr 9th, 2025

Natural Resources

Transcript Highlights:
  • And probably insurance rates would probably be less.
  • However, the Texas Water Code spends over 2000 pages regulating that right.
  • insurance carrier that will insure you against intentional acts.
  • Ellis conceded that most of them are covered by general liability insurance.
  • The committee sub adds water code section 36.018 in subsection B2.
TX

Texas 89th Regular

Natural Resources Apr 9th, 2025

Natural Resources

Transcript Highlights:
  • Its water code spends over 2,000 pages regulating that right.
  • Most of them have insurance. That insurance covers this defense cost.
  • To answer one of the questions that came up, I'm not aware of any insurance, by any insurance carrier
  • that will insure you against intentional acts.
  • The committee sub adds water code section 36.01. 8 in subsection B-2.
TX

Texas 89th Regular

Natural Resources Apr 9th, 2025

Natural Resources

Transcript Highlights:
  • This bill simply amends section 17.1 and add section 17.1215 to the water code.
  • Chairman members House bill 3663 amends chapter 15 of the Texas water development code by removing the
  • The bill accomplishes this by amending chapter 15 of the water code to expand the definition of flood
  • I'm just I was more concerned about the water resources than the building codes.
  • The bill that the, or the code. that would apply in the bill that's set out is a may, not a shall.
TX
Transcript Highlights:
  • Second, the bill establishes a comprehensive AI code of ethics.
  • insurance decisions with prior authorizations.
  • SB 841 addresses an important clarification within Chapter 162. ...of the Texas Property Code, namely
  • About $482,000, insurance about $317,000. Repair and maintenance, a big one, $790,000.
  • From insurance companies. Mr. Chairman. Yes. All right, go ahead. So thank you.
TX
Transcript Highlights:
  • government is one of the highest values we hold as Texans, reflected in Chapter 552 of the Government Code
  • the bill you referred to, maybe that was one in Chapter 16 of the Texas Civil Practice and Remedies Code
  • It creates a burdensome new framework under Chapter 604B of the Texas Business and Commerce Code, which
TX

Texas 89th Regular

Business and Commerce (Part I) Apr 3rd, 2025

Business & Commerce

Transcript Highlights:
  • government is one of the highest values we hold as Texans, reflected in Chapter 552 of the Government Code
  • government is one of the highest values we hold as Texans, reflected in Chapter 552 of the Government Code
  • government is one of the highest values we hold as Texans reflected in Chapter 552 of the Government Code
  • that the data compiled meets the requirements of Section 20.05 of the Texas Business and Commerce Code
  • that the data compiled meets the requirements of section 20.05 of the Texas Business and Commerce Code
Summary: The Senate Committee on Business and Commerce met with a quorum and first took up several pending and uncontested bills. It favorably reported SB 1405, SB 1762, SB 1977, SB 2077, SB 2148, and SB 1968, and also moved SB 2321 to the local and uncontested calendar. The committee then heard SB 819, which would change how the Public Utility Commission reviews proposed utility-scale solar and related interconnection projects. The committee substitute would shift the default so interconnection is allowed unless the PUC affirmatively prohibits it within 180 days, limit denial to cases where harm substantially outweighs benefits, remove public meeting requirements, retain setback and financial assurance provisions, add optional application materials such as national security and environmental information, and restore local control over county tax abatements. The substitute was adopted and SB 819 was favorably reported to the full Senate on a 7-3 vote. The committee then took up SB 231, focused on CenterPoint’s use of large emergency generators after Hurricane Beryl. Senator King explained that the original bill was intended to prevent customers from being charged for non-mobile generators that were leased at great cost and did not match the bill’s emergency-response purpose. CenterPoint’s Jason Ryan apologized for the company’s communication failures and said the company would make customers whole through a combination of rate reductions, foregone storm-cost recovery, and a donation of the 15 large generators to ERCOT for about two years to address a San Antonio-area reliability issue, with the company absorbing the associated costs. PUC Executive Director Connie Corona said the commission could enforce the agreement through its contested-case process. Public testimony included consumer and reliability advocates, one of whom argued utility-scale microgrids should be preserved as a policy option. SB 231 was left pending. The committee also heard SB 986, which would create an alternative process for routine Public Information Act requests so local governments can make initial redactions without sending every routine exception to the Attorney General, while preserving an appeal path and training requirements. Supporters said it would reduce backlog and speed access to records; opponents argued it would shift the burden to requesters and encourage delay. The AG’s office testified that the process could improve efficiency and still fit within current timelines if used promptly. SB 986 was left pending. Finally, SB 584 was briefly laid out to require consumer reporting agencies that buy data from others to ensure the information complies with Texas law on excluded items such as bankruptcies, judgments, and tax liens, and SB 600 was heard on heir property. SB 600’s substitute would strengthen notice, require an attorney ad litem, add an heir’s bill of rights, allow settlement conferences, and require fair-market-value sales protections; supporters said it would curb predatory partition practices, while opponents warned some provisions could burden or diminish minority heirs’ property rights. SB 584 and SB 600 were left pending after testimony.
AL
Transcript Highlights:
  • Right now, Alabama is currently at 13.4 beds per... Alabama is currently at 13.4 beds per 100,000.
  • Alabama for mentally ill people.
  • children’s care in South Alabama.
  • It is not just an Alabama Medicaid issue. ...it is not just an Alabama Medicaid problem.
  • So we're trying to not just be a payer of claims because Alabama Medicaid is an insurance company.
Keywords: 924, joint, all