Video & Transcript Research : 'insurance programs'
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OK
Oklahoma 2026 Regular Session
Senate Legislative Session Mar 2nd, 2026 at 01:30 pm
Oklahoma Senate Floor Meeting
Transcript Highlights:
- I want to, before I hand off to the program manager.
- So, the cost of volunteers still complete required training and be approved by local CASA programs before
- Training, documentation, and program approval remain statutory requirements, but the National CASA has
- national costs of standards that they're trying to have trained in Oklahoma deal with, you know, programs
- such as DEI training and other types of programs that are not consistent with Oklahoma character values
Bills:
SB2065, SB1641, SB1642, SB1589, SB1597, SB1216, SB2173, SB2028, SB2117, SB2127, SB2134, SB2014, SB1805, SB2044, SB1836, SB1380, SB2179, SB1436, SB1558, SB933, SB1651, SB1328, SB1572, SB1966, SB175, SB1475, SB1950, SB2049, SB2052
Keywords:
pollinator, state symbols, agriculture, insects, environment, business entities, limited liability company, LLC, foreign LLC, domestic LLC, limited partnership, foreign limited partnership, registered agent, Secretary of State, annual certificate, good standing, certificate of authority, designated office, email address, electronic mail
OK
Oklahoma 2026 Regular Session
Civil Judiciary REVISION 2: HB4094 and HB3407 - Added Feb 19th, 2026 at 10:30 am
Civil Judiciary
Transcript Highlights:
- Members, House Bill 2933 is an omnibus insurance consumer protection bill.
- It makes the current Eagle mediation program mandatory to carriers.
- Oklahoma actually has one of the best early mediation settlement programs.
- This is a program that's been in place since 1983.
- And typically, it takes less than an hour, as I've spoken to the early mediation program.
Bills:
HB1453, HB2933, HB2941, HB2945, HB2959, HB3087, HB3094, HB3297, HB3298, HB3319, HB3321, HB3386, HB3453, HB3471, HB3505, HB3510, HB3544, HB3549, HB3652, HB3727, HB3791, HB3845, HB3906, HB4119, HB4125, HB4126, HB4198, HB4236, HB4425, HB4343, HB4094, HB3407
Keywords:
foreign ownership, property rights, agricultural land, Attorney General, divestment, real estate, felony penalties, insurance regulation, homeowner claims, premium discounts, catastrophe mitigation, civil penalties, fentanyl, overdose, first responders, drug reporting, immunity, controlled substances, penalties, abortion
TX
Bills:
SB 2, SB 5, SB 10, SB 9, SB 7, SB 17, SB 4, HB17, HB7, HB7, HB15, HB15, HB27, HB1, HB7, HB15, HB18, SB9, SB7, SB17, SB4, HB17, HB27, HB1, SB8, HCR13, SB2, SB5, SB10
Keywords:
disaster relief, flood preparedness, emergency funding, local government support, meteorological forecasting, school assessment, public education, accountability, transparency, education standards, STAAR, Texas Education Agency, TEA, public school accountability, school ratings, A-F ratings, assessment reform, student testing, benchmark tests, interim assessments
TX
Bills:
SB 2, SB 5, SB 10, SB 9, SB 7, SB 17, SB 4, HB17, HB7, HB7, HB15, HB15, HB27, HB1, HB7, HB15, HB18, SB9, SB7, SB17, SB4, HB17, HB27, HB1, SB8, HCR13, SB2, SB5, SB10
Keywords:
disaster relief, flood preparedness, emergency funding, local government support, meteorological forecasting, school assessment, public education, accountability, transparency, education standards, STAAR, Texas Education Agency, TEA, public school accountability, school ratings, A-F ratings, assessment reform, student testing, benchmark tests, interim assessments
TX
Transcript Highlights:
- You're familiar with the all-payer insurance claims database; the Ethics and Public Policy Center did
- And the insurance company says, "No problem," they say… ...send the medications down to Austin, Texas
- So insurance companies can be sued under this.
- What I'm getting at is there's no specific exemption for insurance companies.
- We've since increased that program by hundreds of millions of dollars because our goal is to save the
Bills:
SB 2, SB 5, SB 10, SB 9, SB 7, SB 17, SB 4, HB17, HB7, HB7, HB15, HB15, HB27, HB1, HB7, HB15, HB18, SB9, SB7, SB17, SB4, HB17, HB27, HB1, SB8, HCR13, SB2, SB5, SB10
Keywords:
disaster relief, flood preparedness, emergency funding, local government support, meteorological forecasting, school assessment, public education, accountability, transparency, education standards, STAAR, Texas Education Agency, TEA, public school accountability, school ratings, A-F ratings, assessment reform, student testing, benchmark tests, interim assessments
OK
Oklahoma 2026 Regular Session
Senate Legislative Session Feb 17th, 2026 at 01:30 pm
Oklahoma Senate Floor Meeting
Transcript Highlights:
- In the south gallery, we've got a group of emerging leaders from Leadership MORE This is a program I
- If you would, Donnie's been at putting this program together here at the capitol for about 20 years.
- They want to have control over the program so they can grow it and make it better.
- New Mexico has a program similar to this. If you say it, I'll believe it.
- It's been a while since we saw this bill last year, but I was just curious for Childcare programs that
Bills:
SB843, SB1733, SB1476, SB1237, SB1410, SB1894, SB1272, SB1204, SB1721, SB1725, SB1735, SB1337, SB1339, SB1461, SB1975, SB1450, SB1458, SB1232, SB1238, SB1325, SB1209, SB1362, SB2072, SB1451, SB1540, SB1581, SB1535, SB1266, SB1927, SB1460, SB2084, SB2182, SB392, SB985, SB1265, SB1283, SB1441, SB1307, SB1425, SB1826, SB1365, SB1696, SB1870, SB1722, SB1639, SB715, SB716, SB182, SB609, SB169, SB134, SB1611, SB432, SB1407, SB2039, SB1356, SB1288, SB2019, SB1705, SB1878, SB2118
Keywords:
school boards, educational governance, conflict of interest, employee relations, Oklahoma statutes, child abuse, reporting requirements, sexual misconduct, law enforcement, school personnel, confidentiality, student safety, land office, land exchange, investment, education funding, real estate management, Teachers' Bill of Rights, education, teachers' rights
OK
Oklahoma 2026 Regular Session
Senate Legislative Session Apr 21st, 2026
Oklahoma Senate Floor Meeting
Transcript Highlights:
- Langston is the home to the state's first accredited doctor of physical therapy program, and it's producing
- Agriculture and Applied Sciences, is shaping the future of Oklahoma through the enrichment of community programs
- behalf of Chairman Hall. ...to the Office of Juvenile Affairs to address gaps in the Youth Services Program
- the Oklahoma State Department of Health to address gaps in funding for the Rural Hospital Rebuild Program
Bills:
HB1937, HB2153, HB3674, HB2978, HB3885, HB3671, HB3261, HB3021, HB3029, HB4274, HB3701, HB3076, HB2299, HB3852, HB3244, HB3345, HB3114, HB3764, HB4144, HB3304, HB2939, HB4227, HB3262, HB2941, HB3498, HB4343, HB4425, HB3386, HB3087, HB3062, HB3431, HB4141, HB3581, HB4237, HB2960, HB3645, HB3648, HB3974, HB3045, SCR18, HCR1024, SJR39, SJR49, HB4486, SB1130, SB1131, SB1132, SB1133, SB1134, SB1142, HB1823, HB4476, HB3378, HB3880, HB3031, HB3369, HB3429, HB3657, HB4215, HB3624, HB1170
Keywords:
HB1937, Oklahoma schools, student communications, electronic communication, digital communication, parent notification, legal guardian, school personnel, teachers, coaches, administrators, charter schools, public schools, administrative leave, corroborated report, investigation, employee file, discipline, termination, school board
Summary:
The Senate convened with a quorum, offered the daily prayer, and recognized a series of guests and special introductions, including Langston University Day, Moore Public Schools cheer and pom squads, a student shadow, former Senator Connie Johnson, Brazilian missionaries, and a long-serving mental health employee. The chamber also heard introductions from the day’s pages.
The Senate adopted Senate Concurrent Resolution 18, recognizing April 21, 2026, as National Lineman Appreciation Day, and House Concurrent Resolution 1024, designating Route 66 Day at the Capitol and honoring the highway’s centennial. Senators then advanced Senate Joint Resolution 49, which revokes a Wildlife Department rule requiring oil and gas companies to post a surety bond, after discussion clarified the measure was intended to eliminate duplicative regulation; the resolution advanced on a 42-3 vote.
The Senate also passed House Bill 4486, authorizing the State Capitol Preservation Commission to arrange a privately funded Gold Star Family Monument near the Capitol Square Arch, and approved several appropriations measures tied to ARPA interest or excess funds. These included Senate Bill 1130 for the University of Oklahoma Hospital Trust Authority’s Child Behavioral Health Project, Senate Bill 1131 for the Office of Juvenile Affairs’ Youth Services Program, Senate Bill 1132 for the Rural Hospital Rebuild Program, Senate Bill 1133 for Griffin Memorial Hospital replacement capacity, Senate Bill 1134 for the Human Performance Project and Pharmaceutical Expansion Project, and Senate Bill 1142 for grants to the Boys & Girls Club and YWCA. Most of these bills were adopted with emergency clauses after roll-call votes, with some members changing votes before final emergency passage. The Senate then announced committee meetings and adjourned until the next scheduled session.
HI
Hawaii 2026 Regular Session
House Chamber - Tue Apr 7, 2026, 12:00PM HST - Day 40
Hawaii House Floor Meeting
Transcript Highlights:
- work here at the legislature, I personally benefited from collaborating with the Ku Hana Business Program
- Throughout their programs like Ku Hana, they've also invested their work through Hawaiian Trades Academy
- Business Program to help support small Business Program to help support small businesses<00:21:36.760
- Throughout<00:22:21.440>
their <00:22:21.600>programs <00:22:22.040>like <00:22:22.200 - >
Ku <00:22:22.360>Hana, Throughout their programs like Ku Hana, Throughout their programs
Bills:
HR39, HCR43, HR178, HCR188, SB3144, SB3102, SB2053, SB3248, SB2256, SB3118, SB2245, SB2519, SB3055, SB2090, SB2765, SB2169, SB3136, SB2521, SB2851, SB3154, SB3262, SB2387, SB3001, SB2818, SB2972, SB2372, SB2108, SB888, HR63, HCR69
Keywords:
pedestrian safety, crosswalks, traffic calming, school zone, Honolulu, community safety, raised crosswalks, traffic infrastructure, agritourism, agricultural tourism, Hawaii Tourism Authority, HTA, working group, farm tourism, regenerative tourism, working lands, agricultural land use, county ordinances, permitting, farm bureau
OK
Oklahoma 2026 Regular Session
House of Representatives Second Regular Session of the 60th Legislature Day 25-after Call of the Chair Mar 16th, 2026 at 02:00 pm
Oklahoma House Floor Meeting
Transcript Highlights:
- The scholarship program strives to meet the needs for college graduates to help in the agriculture industry
- OAii has additional programs, just not just to show this in the 10-day period.
- Simply like a warranty, this is not insurance.
- The requirements of this chapter and Title 36 of the Oklahoma statutes and the Oklahoma Insurance Code
- Which is the local updated census addresses, just legitimizes us complying with that program.
Bills:
HR1038, HB3263, HB3127, HB2997, HB3115, HB2123, HB3587, HB3028, HB2035, HB3369, HB3620, HB3621, HB3622, HB3624, HB3175, HB3173, HB3178, HB1979, HB4476
Keywords:
Oklahoma Youth Expo, OYE, 4-H, FFA, agriculture, agricultural education, youth expo, livestock show, junior livestock, scholarships, youth leadership, Oklahoma City, rural communities, ag mechanics, engineering contest, farm youth, student recognition, ceremonial resolution, house resolution, livestock competition
OK
Oklahoma 2026 Regular Session
House of Representatives Second Regular Session of the 60th Legislature Day 25 Mar 16th, 2026 at 01:30 pm
Oklahoma House Floor Meeting
Bills:
HR1038, HB3263, HB3127, HB2997, HB3115, HB2123, HB3587, HB3028, HB2035, HB3369, HB3620, HB3621, HB3622, HB3624, HB3175, HB3173, HB3178, HB1979, HB4476
Keywords:
Oklahoma Youth Expo, OYE, 4-H, FFA, agriculture, agricultural education, youth expo, livestock show, junior livestock, scholarships, youth leadership, Oklahoma City, rural communities, ag mechanics, engineering contest, farm youth, student recognition, ceremonial resolution, house resolution, livestock competition
TX
Texas 89th Regular
89th Legislative Session - Second Called Session Sep 2nd, 2025
Texas House Floor Meeting
Bills:
HB18, SB 54, SB 10, HR 76, HR 77, HR 78, HR 82, HR 83, HR 88, HR 89, HR 93, HR 94, HR 95, HR 98, HR 101, HR 102, HR 104, HR 105, HR 107, HR 108, HR 109, HR 110, HR 111, HR 112, HR 113, HR 123, HR 125, HR 79, HR 80, HR 81, HR 84, HR 85, HR 86, HR 87, HR 90, HR 91, HR 92, HR 96, HR 97, HR 100, HR 103, HR 106, HR 114, HR 115, HR 116, HR 117, HR 118, HR 119, HR 120, HR 121, HR 122, HR 124, HB 18, SB 54, SB 10, HB 8
Keywords:
HB 18, Texas Legislature, quorum break, quorum-busting, legislative walkout, absent legislators, political contributions, campaign finance, political expenditures, legislative caucus, specific-purpose committee, Texas Ethics Commission, civil penalty, show cause order, district court, Fifteenth Court of Appeals, session fundraising, travel lodging food expenses, legislative session, compelled attendance
AL
Alabama 2026 Regular Session
Alabama House Public Safety and Homeland Security Committee Jan 21st, 2026
Public Safety and Homeland Security
Bills:
HB1, HB198, HB11, HB32, HB33, HB34, HB56, HB68, HB72, HB101, HB102, HB110, HB154, HB166, HB168, HB274, SB114, HB1, HB198, HB11, HB32, HB33, HB34, HB56, HB68, HB72, HB101, HB102, HB110, HB154, HB166, HB168, HB274, SB114
Keywords:
DUI, driving under the influence, ignition interlock, interlock device, driver license suspension, restricted license, motor vehicle, alcohol offense, first offense, repeat offender, blood alcohol concentration, BAC, license revocation, Alabama State Law Enforcement Agency, ALEA, public safety, traffic safety, chemical dependency, substance abuse, court referral program
MN
Minnesota 2025 1st Special Session
House DFL Press Conference 3/27/25
Transcript Highlights:
- A state-run program would ensure that all residents have access to affordable auto insurance.
- A low-cost auto insurance program would alleviate the widespread discrimination imposed by insurance
- program would lowcost auto insurance program would protect<00:01:53.159>
our <00:01:53.360> - <00:04:28.880>
program <00:04:30.000>uh an affordable auto insurance program uh an - <00:04:38.560>
program <00:04:38.919>would a lowcost auto insurance program would a
FL
Transcript Highlights:
- , insurance credits to My Florida Safe Home Program.
- But in this case, if your flood insurance program and you've suffered what we call a repetitive loss,
- Again, we're going to focus on the National Flood Insurance Program policies.
- And they have to have insurance. It has to be a part of the National Flood Insurance Program.
- So does your constituent have a National Flood Insurance Program policy?
Summary:
The Banking and Insurance Committee heard a series of presentations focused on mitigation, flood and wind resilience, and insurance discounts. Kevin Guthrie of the Florida Division of Emergency Management outlined several funding streams for mitigation, including federal Hazard Mitigation Grant Program dollars, BRIC grants, flood mitigation assistance, and the state hurricane loss mitigation program. He emphasized the new Elevate Florida initiative, which will use about $400 million initially to elevate or reconstruct flood-prone homes, starting with National Flood Insurance Program properties and severe repetitive-loss homes, with no current per-home cap. Guthrie said the state will contract directly with licensed vendors and aims to reduce future flood losses, lower insurance costs, and keep properties on the tax rolls rather than relying on buyouts.
Insurance Commissioner Mike Yaworski described Florida’s windstorm mitigation discount program, explaining that the 1802 inspection form is used to assess a home’s overall “envelope” and determine statutory discounts. He said the office is updating the program based on a new wind loss study, with likely changes including greater recognition of roof types such as metal roofs and possible territorial risk adjustments. He also said the Legislature now requires the office to revisit the study every five years. Stephen Fielder of the Department of Financial Services reported on My Safe Florida Home, noting that the program offers inspections and grants for roof and opening protections, has completed more than 100,000 inspections, and has reimbursed hundreds of millions of dollars. He said the department has validated its discount calculations with insurers and that the program is intended to help homeowners reduce premiums through verified mitigation work.
Michael Newman of the Insurance Institute for Business and Home Safety said Florida’s building code is nationally leading and that post-Ian surveys found no wind-driven structural damage in buildings built after adoption of the code. He argued that mitigation should be treated as a system, not isolated upgrades, and suggested adding Fortified designation to the state’s mitigation form to better document verified resilience improvements. Bill Truex, a county commissioner and builder, stressed the need to educate homeowners about floodproofing and roof choices, citing examples where flood panels prevented damage and noting that asphalt shingles often do not last as long in Florida as their marketing suggests. In panel discussion, senators asked about program eligibility, outreach to elderly and digitally challenged residents, contractor vetting, roof-life disclosures, and whether flood insurance should be more broadly required. Officials said outreach will include call centers and in-person assistance, and several participants urged better consumer disclosure and more data-driven guidance on roof and mitigation choices.
CA
California 2025-2026 Regular Session
Assembly Insurance Committee Apr 30th, 2025
Transcript Highlights:
- California Insurance Commissioner Ricardo Lara, the sponsor of AB 888, and Alabama Insurance Commissioner
- Currently, 11 other state departments of insurance have established mitigation grant programs, with 11
- other state departments of insurance have established mitigation grant programs, with 15 more states
- A key part of our program is the Insurance Institute for Business and Home Safety fortified standards
- Individual states can implement programs that are tailored to their specific insurance market needs and
Summary:
The Assembly Insurance Committee met to consider several bills focused on California’s insurance market, wildfire resilience, and consumer protections. AB 888, the California Safe Homes Act, was heard first. Insurance Commissioner Ricardo Lara and Alabama Insurance Commissioner Mark Fowler testified in support, describing state grant programs that help homeowners harden roofs and create defensible space, with the goal of reducing losses and improving insurance affordability and availability. Supporters from the insurance industry, local government, and the Rebuild Paradise Foundation also backed the bill, and committee members emphasized the need for more incentives for mitigation. The bill passed the committee on a do pass motion and was sent to Appropriations.
AB 290, by Assemblymember Bauer-Kahan, would require the FAIR Plan to offer automatic payments and address non-renewal grace-period issues. The author described her own experience being forced onto the FAIR Plan and facing a large premium increase, while Consumer Federation of California called the bill common-sense consumer protection. The FAIR Plan opposed unless amended, saying it was already handling major wildfire claims and other operational demands and requested more time and changes to the non-renewal grace-period language. Members across the committee supported the bill as a needed modernization measure, and it passed as amended to Appropriations.
AB 1339, by Assemblymember Gonzalez, would direct the Department of Insurance to study insurance availability and pricing for affordable housing providers and report policy recommendations. Supporters from affordable housing organizations said rising premiums were forcing providers to cut services, defer maintenance, and use reserves, threatening housing stability for low-income residents. The bill passed as amended to Appropriations. AB 646, by Assemblymember Wallace, also passed to Appropriations; it concerns disclosure related to motor vehicle protection products and catalytic converter theft deterrence, with support from auto dealers and industry groups. The committee also approved AB 1531 on consent. Members later added on to the record in support of the bills, and the hearing concluded without recorded opposition votes on the measures that advanced.
MN
Minnesota 2025 1st Special Session
Committee on Commerce and Consumer Protection - 01/30/25
Commerce and Consumer Protection
Transcript Highlights:
- insurance insurance program<00:10:01.640>
The <00:10:01.760>Hope <00:10:02.000>is <00:13:21.959>- Employees Insurance Program, which, as I understand it, doesn't exist; HMOs; and community integrated
program Minnesota employees insurance program Minnesota employees insurance - keeps the cost of reinsurance program keeps the cost of insurance<00:14:42.000>
premiums <00:14 - They sure seem to find some value in the program and meeting their own insurance needs.
Summary:
The committee heard a reinsurance overview from Deputy Commissioner Julia Dryer of the Minnesota Department of Commerce on the Minnesota Premium Security Plan. She explained that reinsurance helps stabilize premiums in the individual market by reimbursing insurers for high-cost claims, and said Minnesota’s program has lowered premiums, preserved carrier participation, and helped maintain consumer choice. She warned that without continued funding, the program would be depleted and individual-market premiums could rise by about 25%, with potential losses in coverage and access to care. She also described the program’s structure under a federal 1332 waiver, the role of MCHA in administering the program, and the state’s receipt of more than $650 million in federal pass-through funds to date.
Dryer said the current program is funded through the end of 2025, though the federal waiver authority runs through 2027. The governor’s proposal would create a new assessment on insurers, estimated at roughly 2% to 3%, to fund the state share of the program and avoid another full waiver submission. She noted that the proposal assumes MinnesotaCare funding would be held harmless and that the program would be reduced if federal basic health plan funding were negatively affected. She also said projected costs changed because individual-market enrollment has grown and enhanced federal subsidies were removed from the estimate.
Members raised concerns about the proposal’s impact on premiums and the history of the fund. Senator Rasmusson argued the new assessment amounts to a large tax increase on health insurance and questioned who would be assessed and whether the surcharge would be capped. Dryer responded that the assessment would be based on annual claims experience and market conditions, with final amounts determined at the end of each year, not monthly. Senator Duckworth and Senator Frentz supported reinsurance as a way to keep premiums lower, while also questioning how the program should be financed. Senator Green asked about the mechanics of the assessment and the role of the department in setting it, and Senator H questioned why the fiscal note assumed 12% annual growth for program costs when general premium growth was lower. No vote or formal action was taken in the meeting.
FL
Florida 2025 Regular Session
Banking and Insurance Feb 4th, 2025
Transcript Highlights:
- EVERYTHING FROM MITIGATION TO INSURANCE AND INSURANCE CREDITS TO MY FLORIDA SAFE HOME PROGRAM.
- WILL INSURANCE BUY OUT FOR THAT PROGRAM AND THEN ELEVATE THEIR HOME.
- IT HAS TO BE PART OF THE NATIONAL FLOOD INSURANCE PROGRAM.
- IT HAS TO BE PART OF THE NATIONAL FLOOD INSURANCE PROGRAM. THAT IS THE TIDE TO THE MONEY.
- INSURANCE PROGRAM POLICIES.
MO
Transcript Highlights:
- And the SHIP program is what provides Medicare health insurance counseling for seniors.
- about insurance compared to those who can't afford insurance?
- And we've had advertising programs by the National Flood Insurance Program for well over 30 years trying
- Is it a state insurance program? What is that safety net program? So these are not state programs.
- or a homeowner... insurance program.
TX
Transcript Highlights:
- We rely on the 340B drug pricing program to ensure all insured and uninsured, our patients have access
- Program as well.
- Under this program.
- company or the insurance company owns, they own the insurance company or the insurance company owns
- With insurance experience.
NH
New Hampshire 2026 Regular Session
House Commerce and Consumer Affairs (04/16/2026)
Commerce and Consumer Affairs
Transcript Highlights:
- And that could go to your insurance program to help fund...
- And that could go to your insurance And that could go to your insurance program program program
- There has the National Flood Insurance Program, of course, which can be making insurance available for
- <00:56:02.600>
of National Flood Insurance Program of National Flood Insurance Program of - Medicaid is a different program than how health insurance works.
Summary:
The committee held a public hearing on Senate Bill 562, which would create a home damage mitigation and resilience grant program aimed at helping homeowners make property improvements that could reduce insurance costs and non-renewals. Commissioner DJ Bettencourt of the New Hampshire Insurance Department explained that the program is modeled in part on Alabama’s safer homes program, but tailored for New Hampshire hazards such as floods, microbursts, heavy snow, ice, and falling trees. He said the grants would be limited to primary residences, subject to a means test, capped at $10,000, and intended to help homeowners make targeted improvements such as roof fortification or tree removal that could improve underwriting outcomes and lead to premium discounts.
Bettencourt said the program would not use state taxpayer funds and would instead rely on philanthropic donations, possible federal or regional housing-bank funding, and other outside sources. He said the department would not need new staff, and that a current position could be reconfigured to help administer the program part-time. Committee members asked about the funding language, the meaning of “loans” in the bill, whether there were any other states using a similar no-state-funds model, and how many homeowners could be helped. Bettencourt said Rhode Island and Connecticut were moving forward in a similar way, and that the number of beneficiaries would depend on how much money is raised.
Members also questioned how the grant program would actually lower premiums, whether savings would apply only to participants or more broadly, and how the IBHS evaluation process would work. Bettencourt and department staff said the direct benefit would be to the homeowner whose property is improved, though neighbors could also benefit in some cases. They explained that IBHS is a building-safety organization that certifies contractors and inspectors and that its standards can qualify homes for insurer discounts. Questions were also raised about confidentiality provisions, first-come-first-served grant awards, rollover of unused applications, and possible tax treatment of donations. The sponsor said those details would be addressed through rulemaking or existing tax rules, and no vote was taken during the hearing.