Transcript Highlights:

• It clarifies how smoke damage is assessed, not whether coverage exists.
• It clarifies how smoke damage is assessed, not whether coverage exists.
• It does not expand coverage to soil, outdoor area, or non-covered property.
• I'm with the Mayor Property Casual Insurance Association.
• It does not change insurance coverage.

Keywords: 988, house, all

Summary: The Assembly Insurance Committee met without a quorum at first, then later established one and heard several bills. The main discussion centered on AB 1795, which would create statewide standards for inspecting, testing, and remediating wildfire smoke damage in homes. The author and Insurance Commissioner Ricardo Lara argued the bill would provide science-based, health-driven rules and clearer claims handling for wildfire survivors. Consumer groups and insurers generally supported the goal but sought further amendments, warning about cost, scope, and possible conflicts with existing standards; fire survivors urged stronger protections and broader coverage. The committee ultimately voted to pass AB 1795 as amended to Appropriations, with members later adding their votes on call. The committee also heard AB 1576 on the Subsequent Injury Benefit Trust Fund, which the author said would reduce litigation and employer assessments while preserving protections for previously disabled workers. Supporters said the bill was a needed reform, while business, public entity, and insurance opponents argued it did not address the fund’s structural problems and that a trailer bill would be a better fix. AB 1576 was passed to Appropriations on a split vote, also held open for later additions. AB 1931, creating a limited lines license for utilities to offer home protection products, drew broad support and no opposition in the room; it passed to Appropriations. AB 2361, dealing with peer-to-peer vehicle-sharing platform liability, passed as amended to Appropriations after supporters said it would align liability with fault and opponents warned it could reduce accountability for serious injuries. The committee also heard AB 2098, which would require employers to allow leave for workers’ compensation medical appointments during work hours, subject to notice and business-necessity limits. Labor supporters said workers should not have to choose between treatment and their jobs, while employer and insurance groups sought narrower standards and objected to some language. AB 2098 passed to Appropriations. The consent calendar, including AB 2054, AB 2061, AB 2292, and AB 2724, was also approved and sent to Appropriations. Members repeatedly added votes after the roll was held open, and the committee adjourned after all items were processed.

Transcript Highlights:

• And so while the entire property.
• homeowners may save on the property homeowners may save on the property side,<00:17:27.760> they're
• lost coverage.
• , who are um you lose Medicaid coverage, who are um you lose Medicaid coverage, maybe<01:46:00.000
• people who lose Medicaid coverage people who lose Medicaid coverage because<01:46:33.360> they

Bills: HB20, HB2612, HB2404, HB2459, HB2194, HB1880, HB2284, HB1969, HB2458, HB1546, HB2161, HB1721, HB1641, HB2137, HB1782, HB2360, HB1965, HB1897, HB1513

Keywords: lava insurance, homeowners, insurance market, subsidy, Hawaii, mortgage, debt, secured transactions, real property, Hawaii Revised Statutes, cooperative associations, electric utility cooperatives, agricultural cooperatives, mutual help, food innovation, agribusiness, food safety, market access, branding, economic diversification

Summary: The committee heard testimony on HB 20, which would create a lava zone insurance subsidy/fund. The Insurance Division opposed the bill, arguing that lava zones 1 and 2 are the highest-risk areas, that a subsidy would not reduce the underlying risk or loss costs, that it could invite similar subsidy requests for other hazards, and that the bill may conflict with HICV by diverting funds from the CRF. Members discussed the lack of authorized homeowners insurance in those lava zones, the role of HPIA and the surplus market, and the difference between the proposed lava-zone subsidy and the Hawaii Hurricane Relief Fund. The chair noted 37 submitted testimonies in support and one in opposition, and the committee then moved on without taking a vote on HB 20 in the portion provided. The committee then took up HB 2612, relating to mortgages, which would clarify that a mortgage does not exist independently of the debt it secures and is not independently enforceable from that debt. The Hawaii Credit Union League and Hawaii Financial Services Association opposed the bill, while several individuals testified in support, arguing it would restore Hawaii’s long-standing lien-state rule and prevent so-called “zombie mortgages” after the Hawaii Supreme Court’s White decision. Supporters said the bill would protect borrowers from delayed foreclosures and predatory lending practices, while opponents and the Insurance Division emphasized that foreclosure actions still require proof of standing and possession of the note, and that lenders generally pursue foreclosure without seeking deficiency judgments. Committee members questioned the Insurance Division about how the current market works, whether lenders could wait out the statute of limitations and then foreclose only on the mortgage, and whether equitable tolling or later defaults could allow refiling. The division said it is still trying to attract authorized insurers back into the lava-zone market, but has seen little progress. No vote or final action on HB 2612 was taken in the excerpt provided.

Transcript Highlights:

• have what you think is adequate coverage have what you think is adequate coverage for<00:19:18.320
• It is, but for property-casualty it's 1.25%.
• It is, but for property-casualty it's 1.25%.
• to purchase and the individual coverage pool.
• don't have coverage individuals who don't have coverage through<01:23:59.639> their<01:23:59.800

Keywords: 928, house, all

Summary: The committee heard testimony from Insurance Commissioner DJ Bettencourt on the New Hampshire Insurance Department budget. He said the department is self-funded through assessments on insurers based on New Hampshire premium volume, with about $8 billion in premiums written in the state and a department budget of roughly $15.5 million. He explained that the department has 88 authorized positions, eight vacancies, and that three full-time positions were unfunded after the governor’s requested 4% reduction exercise. He also said the department is trying to balance staffing needs with not overburdening carriers during a hard insurance market. A major topic was the department’s $2.6 million rebate to industry from the prior fiscal year, which Bettencourt described as a credit against the next assessment rather than a direct cash payment. Members questioned why that credit was not reflected as a reduction in the upcoming budget, and Bettencourt and staff explained that the budget assumes full staffing and full spending, with any year-end surplus returned to insurers. The commissioner said the department had added staff in recent years for succession planning and to preserve institutional expertise, and that the rebate reflects careful budgeting rather than excess spending. Members also asked about staffing changes by division, including positions unfunded in fraud, property and casualty examinations, life and health examinations, and tax. Bettencourt said fraud investigations remain strong and that the department can use outside contractors for examinations, with those costs billed to the company being examined. He also described the department’s examination process, including periodic financial exams and targeted market conduct reviews triggered by consumer complaints or trends. Additional questions covered OIT transfers, the department’s oversight of fully insured health coverage, the insurance premium tax and fines going to the general fund, and the department’s limited role in auto repair reimbursement disputes, where he said complaints have recently declined.

Transcript Highlights:

• If if the young woman is under coverage.
• applied it to carriers in the property applied it to carriers in the property and<00:34:40.000><
• casualty coverage.
• We operate under RSA 5-B in the form of a trust to provide property casualty coverages, including property
• coverages provide property casualty coverages including<05:47:16.240> property<05:47:17.240><

Keywords: 928, house, all

Summary: The committee first heard Senate Bill 47, sponsored by Senator Regina Birdsell at the request of the Insurance Department. The bill would clarify that a birth mother’s health insurance is the primary policy for a newborn’s care unless the mother has no coverage or no employer-sponsored coverage. Birdsell and Insurance Commissioner DJ Benton Court said the measure simply codifies the department’s long-standing interpretation of existing law. Representative Miles asked whether the coverage would extend to a grandchild if a young woman on her parents’ plan had a baby, and Birdsell said it would. The hearing on SB 47 was then closed. The committee next heard Senate Bill 121, introduced by Grant Bosi for Senator Kevin Avard. The bill requires insurers to notify the Insurance Department when they stop writing an entire line of business or, in some cases, when they change Medicare Advantage offerings. Benton Court said the bill was prompted by disruption in the Medicare Advantage market, where consumers and the department were confused by carriers exiting, changing plans, or narrowing offerings. He said the department does not regulate Medicare Advantage itself, but does license the carriers, and the notice requirement would help the department advise consumers; he also said noncompliance could affect a carrier’s license and could lead to fines. Members discussed the notice period, and the department and AHIP indicated support for changing it from 120 days to 90 days to align with federal timing. The hearing was closed with plans to work on an amendment in subcommittee. Finally, the committee heard Senate Bill 247, introduced by Representative Brian Cole, which would prohibit network exclusion for pharmacies that refuse to dispense prescriptions when PBM reimbursement is below acquisition cost. Cole said the bill is meant to stop pharmacies from being forced to sell at a loss. Members questioned whether pharmacies voluntarily enter PBM contracts, whether the bill would raise consumer prices, and whether it would mainly affect independent pharmacies. Cole and others said the issue has changed over time because PBMs now control a much larger share of the market, and that the bill would let pharmacies refuse loss-making fills and direct patients to mail order instead. The discussion also noted that the bill excludes Medicare and Medicaid and that the current proposal does not create a middle-ground option for patients to pay a premium at the counter.

Transcript Highlights:

• , including their effects on property values, disruption of daily life, and the property insurance market
• And if a citizen wants to make an initiative or take an initiative and to provide some type of coverage
• And if a citizen wants to make an initiative or take an initiative and to provide some type of coverage
• Usually, they should do an inspection of your property prior to them binding your policy.
• Jordan is offering say that if you don't have coverage already, then you have to have an admitted coverage

Summary: The House Insurance Committee met on May 6 and first heard H.R. 196, which would create a special study committee to examine the impacts of fallen trees on residential property, property values, daily life, and the insurance market. Representative Owen said the goal was to explore whether homeowners who proactively remove hazardous trees should receive some kind of insurance incentive or discount. Members generally supported the idea, with comments noting tree-related losses in hurricane damage and suggesting the study also consider homeowners association restrictions on tree removal. The resolution was reported favorably. The committee then considered Senate Bill 100, concerning proof of insurance for transportation network company drivers. Senator Jenkins explained the bill would require ride-share drivers involved in accidents to provide the correct ride-share-specific insurance and disclose whether they were logged into the app or on a prearranged ride, with penalties for failing to do so. Supporters from the Chiefs of Police were noted, and the bill was reported favorably. House Bill 408, dealing with homeowners insurance cancellations when policyholders timely mitigate risks, drew the most discussion. Representative Jordan said the bill was intended to prevent mid-policy cancellations after homeowners complete requested mitigation work, and committee amendments changed the bill from renewal language to cancellation language and shortened a notice period from 90 to 60 days. Insurance industry representatives opposed the bill, arguing the problem was not occurring in practice, that current notice rules already address the issue, and that the bill could create confusion and litigation. After debate, the committee adopted the amendment and then voluntarily deferred the bill. The committee also took up House Bill 625 on peer-to-peer car sharing programs. Representative Jordan described it as a measure to clarify insurance and liability rules for services like Turo, and the committee adopted two sets of technical and substantive amendments, including a requirement for admitted or approved physical damage coverage when no contractual protection package exists. Enterprise Rental Car’s representative said the company supported the broader policy discussion but disagreed with the amended version and wanted the issue revisited through NCOIL. The bill was reported favorably as amended, and the meeting adjourned.

Transcript Highlights:

• We'll now go to Tab 12 for CS for SB 1028 on Citizens Property Insurance Corporation.
• And I'm with Citizens Property Insurance. My apologies for not putting that on the card.
• Thank you, Madam Chairman, and I'm with Citizens Property Insurance.
• And just in the last four weeks, our commercial coverage has dropped by about $2 billion in coverage.
• Again, the commercial clearinghouse is... ...by about $2 billion in coverage.

Summary: The Committee on Fiscal Policy met and reported favorably a series of bills after hearing sponsor presentations, public testimony, and roll-call votes. Among the health and public safety measures, CS/SB 68 would require pediatric readiness standards in hospital emergency departments; CS/SB 340 would require nursing students to complete human trafficking identification training; CS/SB 32 and SB 210 would create a new injunction process and related public records provisions for victims of serious violence by a known person; and SB 418 would add autism-focused law enforcement training and a voluntary Blue Envelope Program for drivers with ASD. Each of these bills received supportive testimony and passed the committee. The committee also approved several child safety and community protection measures. CS/SB 606 would add drowning prevention and safe bathing education to postpartum materials, and SB 428 would expand the state swim lesson voucher program to older children, with strong support from advocates and families concerned about drowning risks, especially for children with autism. CS/SB 302 would streamline permitting and incentives for nature-based coastal resiliency projects, and SB 636 would create an alternative beach management pathway for coastal communities, though beach preservation advocates warned about perpetual easement language and funding concerns. SB 628, designating Warrior Sacrifice Way in Pensacola, also passed unanimously. In addition, the committee advanced CS/SB 1734 on juvenile justice, with a late-file amendment updating definitions for juvenile probation and detention officers and codifying detention cost-share language. It also reported favorably CS/SB 246, a specialty license plate bill that was amended to include the UFC plate and an additional first responders resiliency plate, and CS/SB 1028, which revises Citizens Property Insurance Corporation clearinghouse procedures and related insurance market rules. Several witnesses testified in support or with technical concerns on the insurance bill, and members discussed competitive safeguards, clearinghouse scope, and Citizens’ assessment risk. At the end of the meeting, members requested to be recorded on specific bills, and the committee adjourned.

Transcript Highlights:

• real estate agents and Brokers property real estate agents and Brokers property appraisers<00:18
• why would you have unclaimed property why would you have unclaimed property I'll<00:19:31.720>
• <00:20:21.600> let go back to the unclaimed properties let go back to the unclaimed properties
• We don't have an ability to allow the plan to put the people into similar coverage or the same coverage
• or the same into similar coverage or the same coverage<01:30:49.080> but<01:30:49.239> on<

Keywords: 1183, house

Transcript Highlights:

• The insurance industry just does not like mandatory coverages.
• It provides a step forward in coverage for MassHealth.
• A benefit-cost analysis of providing O&P coverage...
• Coverage, but of my dignity and my care.
• And a lot has helped, but the coverage for wigs and just the fighting for coverage and beating down my

Keywords: 995, all

Summary: The hearing opened with the Senate and House chairs of the Joint Committee on Financial Services explaining that the day’s agenda would focus on health insurance and other insurance matters, with a large number of witnesses and a request for brief testimony. Legislators were taken out of order to accommodate their schedules, and the committee heard testimony on several bills, including coverage for hair prostheses for alopecia (H. 1223/S. 832), medically necessary oral and dental care for head and neck cancer survivors (H. 1258), modernizing fertility and family-building coverage (H. 715/H. 1190 and related bills), coverage for prosthetic devices to support physical activity for people with limb loss (the “So Everybody Can Move” bill), remediation coverage for home heating oil releases (S. 813/H. 1302), and expanded access to physical therapy for Ehlers-Danlos syndrome (H. 1170). A separate bill on sickle cell care and registry development (S. 788) was also discussed by Senator Liz Miranda. Witnesses largely offered personal stories and expert testimony in support of the bills. Advocates for alopecia coverage described the medical and emotional impact of hair loss, the high cost of quality wigs, and the argument that scalp and facial hair prostheses should be treated like other medically necessary prosthetics. Cancer survivors and supporters of H. 1258 said oral and dental care after head and neck cancer treatment is a quality-of-life issue and often not covered despite major out-of-pocket costs. Fertility specialists, LGBTQ+ advocates, and legislators supporting the modern family-building bills said the current infertility definition is outdated and discriminatory, excluding same-sex couples, people needing donors or gestational carriers, and others with medical barriers to conception. For the limb-loss bill, parents and adults with prosthetic needs stressed that activity-specific prostheses are essential for children and adults to run, swim, play sports, and stay healthy, but are often excluded from coverage. The home heating oil testimony focused on the financial devastation caused by residential oil spills and the need to make spill coverage automatic in homeowners policies. Environmental professionals and homeowners described cleanup costs ranging from tens of thousands to hundreds of thousands of dollars, the strict liability homeowners face, and the fact that many policyholders do not know the rider exists. The insurance industry testified in opposition to the mandatory-coverage approach, arguing for clearer distinctions between first- and third-party coverage, risk-mitigation standards, a delayed effective date, and more emphasis on education and notification rather than mandates. Committee members pressed the industry witness on why agents do not routinely tell customers about the rider and suggested that the issue may require broader disclosure by insurers, agents, and fuel dealers. No votes were taken during the hearing; the committee heard testimony and discussed possible compromise language and future action.

Transcript Highlights:

• abdulerum taxation by a county or municipality of for all or part of the appraised value of a real property
• AB 1051 by Bojani relating to health benefit plan coverage for telemedicine till it.
• and asynchronous audio interaction for the committee on inner insurance to the health benefit plan coverage
• provision of abortion contraception sterilization under Medicaid and certain health benefit and coverage
• Refer to the Committee on Public Education, HB 1142 by Oliverson, relating to the coverage for mental

Keywords: 1184, house, all

Transcript Highlights:

• regardless of most changes in their lives that previously would have affected their coverage.
• coverage rates in the state.
• have the coverage they need for their bills to be paid to providers. ensure people have the coverage
• It's going to deprive Minnesotans of healthcare and coverage.
• It is not the personal property of the staff.

Transcript Highlights:

• It's just not an automatic coverage.” “It's just not an automatic coverage to allow for review.
• Just to be clear, we're not denying people coverage.
• Next up, the Office of Public Property Risk. Mr.
• This is our actuarial provider for the property insurance program.
• That's what the state takes on with property damage.

Keywords: 1204, all

Summary: The State Insurance Programs Oversight Subcommittee met on June 17 and reviewed a series of Employee Benefits Division and Office of Property Risk items. Grant Wallace presented March and April formulary changes, including moving to lower-cost generic and preferred drugs, leaving several new-to-market drugs not covered, and adjusting migraine and diabetes medications; the committee approved those recommendations. The subcommittee also approved a cell and gene therapy policy that excludes automatic coverage for those therapies so they can undergo prior authorization and review, with members emphasizing that the policy was intended to create review, not an absolute denial, and that expedited appeals would remain available. Members spent significant time discussing the UAMS pharmacy benefit consultant amendment. Wallace explained that the contract included both basic services and optional services related to coupon and rebate management and prior authorization support, but the written materials created confusion over the dollar amount. After questions about whether the committee was approving a higher amount than the base contract and whether the optional services duplicated work already being done by Navitus, the committee agreed to review the item with a contingency that any use of the optional services would return to the committee for approval. The committee also reviewed and approved the U.S. Able Mutual/Blue Advantage third-party administrator contract, the CompSack employee assistance program contract, and the proposed 2027 employee and public employee rates, which call for a 9.8% increase for state employees and a 4.9% increase for public school employees. On the property risk side, the committee reviewed permanent rules for the property insurance program, a contingency-fee subrogation contract with Denenberg-Tuffley, and renewals for Sedgwick claims management, Actuarial Advantage, and Stevens Capital Management. Wallace said Sedgwick had faced delays after a major winter storm and other weather events, but performance guarantees and communication expectations were being added; members discussed whether a shorter renewal term would be preferable, but the item was reviewed. The committee also approved the 2026-27 captive insurance program rates, which Wallace said would lower the overall rate by 10% while keeping minimum deductibles unchanged. He noted the program had stabilized after a difficult first year and that the rate structure was now based on a more transparent actuarial foundation. The meeting ended with an update that the UnitedHealthcare rebid was nearing completion and would return in August, and the committee adjourned after approving the remaining items.

Transcript Highlights:

• required coverage. Favorable. required coverage. Favorable.
• to provide coverage for scalp cancer to provide coverage for scalp cooling<00:31:35.520> systems<
• As amended, this bill adds leases of real property and rental agreements relating to real property to
• relating to real property.
• relating to real property.

Keywords: Senate streaming session for Tuesday, February 17, 2026, 960, senate, all

Summary: The Senate convened with an invocation, quorum call, and several introductions recognizing guests, including Reverend Jennifer Carsner and her daughter, President Kirk Schmoke, representatives from Maryland independent colleges and universities, students from Stevenson University, Howard and Anne Arundel counties, Washington College, a constituent, and the Greater Washington, D.C.-Maryland chapter of the National Multiple Sclerosis Society. The chamber also adopted a resolution honoring Damatha Catholic High School for winning the 2025 WCAC football championship and another recognizing the Greater Bethesda Chamber of Commerce on its 100th anniversary. Both resolutions were adopted unanimously after brief remarks and roll calls. The Senate then took up executive nominations, separating nominee 16 from the main report. The chamber voted 42 in favor on the remaining nominations and then 42 in favor on nominee 16, giving all nominees the Senate’s advice and consent. On third reading, the Senate passed several bills, including SB 46, SB 25, SB 58, SB 163, SB 170, SB 188, SB 247, SB 356, and SB 379, with recorded affirmative votes ranging from 36 to 42. These measures covered topics such as veterans cemeteries, tax credits and tax modifications, education funding, transportation revenue bonds, biotechnology incentives, a stillborn child tax credit, and recovery residence grant funding. The chamber also advanced numerous second-reading bills, generally adopting committee reports and amendments without objection. Among the measures discussed were collective bargaining for Alcohol, Tobacco, and Cannabis Commission police officers; adoption of the 2022 Uniform Commercial Code amendments for controllable electronic records; cemetery sale and transfer oversight; an additional license for electronic smoking devices; collective bargaining for Baltimore County Public Library supervisory employees; payroll processor exemptions under the Money Transmission Act; scalp cooling coverage for chemotherapy patients; orthoses and prostheses coverage under health and Medicaid plans; an online database of elevator inspection certificates; service animal program disqualification standards; extension of the State Board of Environmental Health Specialists; disclosure of lapsed professional liability insurance for nursing homes, assisted living facilities, and nurse midwives; and revisions to massage therapy licensure rules. Most reports were favorable, with several technical or substantive amendments adopted and bills ordered printed for third reading. A notable policy discussion occurred on SB 56, which would allow the Maryland Longitudinal Data System Center to share individual-level student and workforce data with a third-party data center for multi-state reporting. The sponsor explained the bill as a way to compare Maryland outcomes with other states while using data-sharing agreements and oversight to protect privacy; a minority whip raised concerns about the type of third-party data center and whether the practice was new. The sponsor said the bill was intended to formalize and safeguard data sharing, and noted a technical amendment would be offered to correct the amendment language.

Transcript Highlights:

• Bearer relating to the assessment of the use of the surplus government property to provide houses to
• AB 2519 by Holt relating to the disclosures required to record an instrument conveying real property
• An appraisal district for the Subcommittee on Property Tax Appraisals.
• AB 2559 by Patterson relating to imposition by a municipality of a moratorium on property development
• HB 2573 by Wally relating to Medicaid coverage and reimbursement of dualist services, referred to the

Keywords: 1184, house, all

Transcript Highlights:

• <00:12:35.839> options workers compensation coverage options workers compensation coverage
• > again, or lapses in coverage, but but again, or lapses in coverage, but but again, can<00:19
• And you not have required coverage.
• secure workers compensation coverage? secure workers compensation coverage?
• compensation insurance coverage? compensation insurance coverage?

Keywords: 1189, house, all

Transcript Highlights:

• It clarifies how smoke damage is assessed, not whether coverage exists.
• It clarifies how smoke damage is assessed, not whether coverage exists.
• It does not expand coverage to soil, outdoor area, or non-covered property.
• I'm with the Mayor Property Casual Insurance Association.
• It does not change insurance coverage.

Summary: The Assembly Insurance Committee met as a subcommittee at first because a quorum was not initially present, then later established a quorum and heard several bills. The main special-order item was AB 1795 (Gibson), which would create statewide standards for testing, inspection, and remediation of wildfire smoke damage in homes, with CalEPA and public health agencies developing science-based standards and insurers required to follow new claims-handling timelines. Supporters, including Insurance Commissioner Ricardo Lara and wildfire survivors, said the bill would bring consistency and safety; insurers and consumer groups generally supported the concept but sought further amendments on scope, standards, and claim handling. The committee voted do pass as amended and refer AB 1795 to Appropriations, with the roll held open for later additions. The committee also considered AB 1576 (Ortega) on the Subsequent Injury Benefit Trust Fund, which would make changes intended to reduce litigation and employer assessments while preserving the program’s purpose of encouraging hiring of workers with prior disabilities. Labor-side witnesses supported the bill as a reform step, while business, public entity, and insurance groups opposed it, arguing it did not address the core structural problems and that a trailer bill was a better vehicle for broader reform. AB 1576 was voted do pass to Appropriations, with the roll held open. AB 1931 (Papan) would create an optional limited-lines license for utilities to offer home protection products for repairs to appliances and utility service lines. Support came from HomeServe, utilities, and industry groups, who said the bill would clarify current law and add consumer protections such as training, disclosures, and a free-look period; there was no opposition in the room. The committee passed AB 1931 to Appropriations. AB 2361 (Pacheco) would limit vicarious liability for peer-to-peer vehicle-sharing platforms like Turo while preserving insurance coverage requirements; supporters said it would align California with other states, while consumer attorneys opposed it as reducing accountability and consumer recovery. The committee passed AB 2361 as amended to Appropriations. AB 2098 (Kalra), heard later, would require employers to allow leave for workers to attend treatment for occupational injuries during work hours, subject to notice and business-necessity limits; labor groups supported it and business and insurance groups sought narrower standards. It was also voted do pass to Appropriations. The committee then completed roll-call add-ons and adjourned.

Transcript Highlights:

• Do the property insurance companies have to get approval from you to make those adjustments?
• , we still have... ...as we say, is not interested and not willing to write your property.
• We still have a mechanism by which you can still access and get insurance coverage.
• I have had lots of people that have same property tax. assessment values.
• There was a core reduction of Property rights issues.

Keywords: 959, house, all

Transcript Highlights:

• Only by our property taxes.
• assessed value to their property.
• Property taxes, we heard about property taxes.
• property taxes we heard about property property taxes we heard about property taxes<00:48:16.319
• So these local property owners protecting their property rights also vote for local municipalities in

Keywords: 1191, senate, all

Transcript Highlights:

• Commercial coverage by the company. Right.
• And even then, there’s a 30-day gap in coverage.
• , and if there’s either deficient coverage or the coverage is expired or whatever,... ...either deficient
• coverage or the coverage is expired or whatever, that still points to the delivery network carriers
• If that higher level of coverage starts when I accept a job, but their personal coverage quits when they

Keywords: 959, house, all

Transcript Highlights:

• And for the couple hundred thousand Minnesotans who rely on Medigap coverage, we're hearing estimates
• ,<00:05:02.000> uh motans who rely on metagap coverage, uh motans who rely on metagap coverage
• can really have a detrimental coverage can really have a detrimental impact<00:05:22.080> on<
• It deals with the property and casualty market, which is under stress, and we need to learn a lot more
• Is that your sell uh sell property. Is that your understanding,<00:32:59.279> Mr.

Keywords: 1187, senate, all

Transcript Highlights:

• And, of course, we've seen that many Californians continue to be left without coverage.
• Just talk to the thousands of Californians who currently cannot find coverage or of losing their home
• Denny Ritter here on behalf of the American Property Casualty Insurance Association.
• Denny Ritter here on behalf of the American Property Casualty Insurance Association.
• We just want to express our appreciation. property casualty insurance association.

Summary: The Assembly Insurance Committee held its fifth oversight hearing on the California Department of Insurance’s Sustainable Insurance Strategy (SIS), with Commissioner Ricardo Lara providing an update on implementation. Lara said the department has finalized major reforms, including new catastrophe modeling tools, faster rate review procedures, use of forward-looking data tied to mitigation, and modernization of the FAIR Plan. He argued the strategy is intended to improve insurance availability in wildfire-prone areas, increase transparency, and stabilize the market, while also criticizing consumer intervenor groups and saying the department will tighten rules on intervener compensation and relevance. Members questioned Lara about when the SIS would begin producing visible market changes, how long rate filings would take to approve, and what the FAIR Plan modernization would mean for consumers’ costs. Lara said catastrophe model approvals should be completed by the end of the month, insurers are expected to begin submitting SIS filings in the coming weeks, and rate reviews have already been reduced from 281 days to 71 days. He also discussed a new market conduct investigation into State Farm’s handling of wildfire claims, ongoing complaints about smoke-damage claims, and a newly created smoke claims and remediation task force to develop standards. Lara said the department has helped more than 12,000 wildfire survivors, with over 38,000 claims filed and more than $17 billion paid, and that it is also working with other western states on underinsurance issues. Public commenters from the insurance industry, homebuilding, and insurance brokerage sectors largely supported the SIS and the department’s efforts, saying the reforms are needed to restore availability and stability. They emphasized the importance of timely rate approvals, FAIR Plan solvency, and greater transparency, and several noted that member companies are preparing to use the new filing process. The hearing ended without a vote or formal action, though members and the commissioner discussed ongoing legislative needs, including AB 226 and possible future FAIR Plan transparency measures.