Transcript Highlights:

• Which I can tell you, I stayed through that storm, and it's not the storm you should be worried about
• - it's after the storm.
• Was this really damaged by this storm or did this work actually make it worse? We can fix it yet.
• Tropical Storm Debby passed by us 80 miles offshore, bringing 10 inches of rain, and we had damages to
• And 2,300 had major damages, and we had 430 businesses damaged from Hurricane Milton.

Transcript Highlights:

• families to subsidize climate damage families to subsidize climate damage created<00:02:48.440><
• And we have a crisis relating to climate damage, climate change, and the resulting damage.
• climate change and the resulting damage climate change and the resulting damage. damage. damage.
• that are causing floods and storms that are causing floods and expensive<00:18:01.760> damage
• all these storm events. all these storm events.

Keywords: 1187, senate, all

Summary: Rep. Athena Hollins and Sen. Ann Johnson Stewart introduced Minnesota’s proposed climate superfund bill, describing it as a way to make major historical greenhouse gas polluters help pay for climate adaptation and infrastructure repair. They said the bill would target large fossil fuel corporations with significant emissions and use the revenue for projects such as stormwater upgrades, bridge and roof protection, erosion control, drinking water protection, cooling cities, and other resilience work. Both lawmakers framed the proposal as a matter of accountability and fairness, arguing that Minnesotans should not keep paying for damage caused by companies that profited from fossil fuel pollution. Several supporters testified in favor of the bill, including St. Paul City Council Vice President Nyang Kheimey, former legislator and medical student Hunter Cantrell, Unidos Minnesota volunteer Bonnie Becol, and 100% Minnesota’s Aurora Vautrin. They emphasized local climate impacts such as flooding, wildfire smoke, extreme heat, emerald ash borer damage, asthma, and infrastructure failures, and said the costs are increasingly falling on taxpayers, local governments, and vulnerable communities. Kheimey highlighted municipal needs and St. Paul’s own climate investments, while Cantrell focused on environmental racism and health harms, and Becol and Vautrin stressed species loss, community recovery costs, and the burden on residents. In the question-and-answer portion, Hollins and Johnson Stewart explained that the bill would apply to fossil fuel corporations with at least 1 billion metric tons of carbon emissions and a nexus to Minnesota, not local utilities. They said the State Auditor’s office would determine the assessments owed by companies, while the Minnesota Pollution Control Agency would hold the fund and administer grants. They also said they were looking to models in Vermont and New York and hoped the proposal could attract bipartisan support because it is tied to affordability and shifting costs away from taxpayers and onto polluters. No vote or formal committee action was taken in the transcript, and the event ended with the sponsors opening the bill to questions.

Transcript Highlights:

• We have invited individuals speak on Storm Recovery. Storm Protection.
• Now those are addressing storm protection or storm hardening costs and those activities.
• cost of the storm events.
• Our storm protection plan.
• New customers who have been bearing the brunt of a storm after storm storm protection.

Keywords: 999, senate, all

Transcript Highlights:

• damage assessment. damage assessment.
• storm event. storm event.
• not damaging that. not damaging that.
• storm that was the 2004 2008 storm the storm that was the 2004 2008 storm event<01:04:20.240> in<
• damages so that we could get a damage damages so that we could get a damage assessment<01:20:05.480

Bills: SCR21, SCR75, SCR50, SCR149, SCR47, SCR163, SCR169, SCR170

Keywords: healthcare, rural clinic, feasibility study, access to care, community health, Volcano community, Hawaiʻi Health Systems Corporation, emergency services, health assessment, Fetal Alcohol Spectrum Disorders, health care, interdepartmental collaboration, public awareness, support services, education, health insurance, affordable healthcare, working group, Hawaii Health Plan, Medicaid expansion

Transcript Highlights:

• Members, today we have invited individuals to speak on storm recovery and storm protection.
• and storm surge.
• Those are addressing storm protection or storm-hardening costs in those activities.
• Storm initiatives. Storm initiatives that Mr.
• For Florida IOU customers who have been bearing the brunt of storm after storm.

Summary: The committee met to hear invited presentations on storm recovery and storm protection from the Florida Public Service Commission, Florida Power & Light, Duke Energy, Tampa Electric, Chesapeake Utilities, and the Office of Public Counsel. The PSC reviewed the history of storm restoration financing and utility hardening efforts after major storms such as Hurricane Andrew, the 2004-05 hurricane seasons, Irma, and Michael, explaining storm reserve funds, storm recovery bonds, and the current three-year storm protection plan process. The commission’s role in approving plans and later reviewing prudence of actual costs was emphasized, along with the types of work included in the plans such as vegetation management, pole replacement, undergrounding, feeder hardening, and substation flood protection. The utilities described their own storm-hardening investments and recent storm performance. FPL said it has spent about $4.9 billion on storm protection and recovery-related efforts, highlighted improved restoration times during Helene and Milton, and said it is expanding undergrounding, feeder hardening, and smart-grid technology. Duke Energy reported more than 40,000 hardened poles and structures since 2021, major gains from self-healing grid technology, and faster restoration during recent storms. Tampa Electric described a roughly $200 million annual storm protection effort, including vegetation management, undergrounding, substation hardening, and new storm surge protections, and Chesapeake Utilities discussed its smaller-scale hardening program, vegetation work, pole replacement, and rapid restoration after Helene in Nassau County. Committee members asked about how utilities prioritize neighborhoods for lateral hardening, whether maps of planned projects could be shared, how much each utility has spent on undergrounding and hardening, and how reliability comparisons are normalized against the national average. Public Counsel Walt Trierweiler argued that storm recovery and hardening costs fall too heavily on investor-owned utility customers, said the current framework lacks a meaningful cost-benefit or prudence check at the planning stage, and urged broader sharing of storm costs because the benefits extend to the whole state. Senators also discussed whether the commission can review the reasonableness of approved programs and whether future reports or recommendations from Public Counsel would be helpful. No votes or formal actions were taken.

Transcript Highlights:

• or a series of storms.
• And that's why I... ...obligations after a major storm or a series of storms, and that's why you will
• What happens if a house was flooded by storm surge and still has roof damage?
• So, after a storm, I want to... So, after a storm, I want to talk about this.
• So, after a storm, I want to... So, after a storm, I want to talk about this.

Summary: The Insurance and Banking Subcommittee received a lengthy presentation from Citizens Property Insurance Corporation CEO Tim Serio, with Insurance Commissioner Michael Yaworski also answering questions. Serio reviewed Citizens’ role as Florida’s insurer of last resort, its statutory funding structure, eligibility rules, depopulation program, reinsurance obligations, and the surcharge/emergency assessment mechanisms that can be used if Citizens runs a deficit. He emphasized that recent legislative reforms, combined with lower litigation and improved market conditions, have helped the private market recover and reduced Citizens’ policy count from a peak of about 1.41 million in 2023 to 936,182 at the end of 2024, with a projected drop to about 771,000 by the end of 2025. He also said the reforms reduced Citizens’ rate need and helped avoid an emergency assessment after the 2024 storms. Members asked about Citizens’ rate increases, why Citizens still seeks higher rates despite lower litigation, how the 20% eligibility threshold works, whether Citizens should be wind-only, and whether the state or federal government could help with deficits. Serio explained that Citizens is still charging below actuarially sound rates in most areas, that rate filings reflect reduced litigation and lower reinsurance exposure, and that assessments on all Florida property policyholders are the reason Citizens tries to build surplus and depopulate. He said the depopulation program is working better than in the past, with less than 2% of takeout policies returning to Citizens, and that the Office of Insurance Regulation has been vetting takeout companies more carefully. A substantial portion of the discussion focused on claims handling after Debby, Helene, and Milton, including flood-versus-wind disputes and Citizens’ use of the Division of Administrative Hearings for some claim disputes. Serio said Citizens had received 76,625 claims from the three storms and had paid nearly $823 million in indemnity and expenses as of January 7, 2025. He said many closed-without-payment claims were either below deductible, withdrawn, duplicate, or flood-only, and that Citizens had asked its internal audit function to independently review the claims data and denials. He also described Citizens’ storm outreach, catastrophe response centers, managed-repair program, and claim review process, and said the corporation remains focused on paying valid claims while minimizing the risk of assessments on the broader Florida market.

Transcript Highlights:

• So if we have a $2 billion storm, we get 20%. If we have a $4 billion storm, it's 20%.
• So how much water intrusion damage related to storms in condo buildings, above mid-rise condo buildings
• So how much water intrusion damage related to storms in condo buildings, above mid-rise condo buildings
• What is the approximate cost when we talk about hurricane damage, when we talk about storm events, what
• the last storm.

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.

Transcript Highlights:

• It came onshore as a Category 1 storm.
• that experienced tropical storm conditions.
• We do cumulative precipitation a few days before the storm, during the storm, and a few days after the
• storm, just to make sure if the ground was really wet before the storm came through, even if it wasn't
• So we've estimated losses for all three of these storms.

Summary: The Florida Senate Committee on Agriculture convened with a quorum present and heard two presentations. Commissioner Wilton Simpson, head of the Department of Agriculture and Consumer Services, outlined department accomplishments and funding needs, including IT modernization, expansion of the Rural and Family Lands program, updated best management practice manuals, growth of the Fresh From Florida marketing campaign, hurricane recovery loans for farmers, clearing concealed-weapons permit backlogs, construction of the Conner Complex headquarters, forestry equipment upgrades, and youth agriculture programs such as FFA and 4-H. Senators asked about water policy, citrus greening, FAMU partnerships, staffing efficiencies, and interdiction stations used to stop invasive species, stolen goods, and diseased or banned agricultural products from entering the state. Dr. Krista Court of the University of Florida/IFAS presented a preliminary economic assessment of the 2024 hurricane season’s agricultural impacts from Hurricanes Debby, Helene, and Milton. She explained that the estimates are based on wind, rainfall, flooding, crop location, and survey data from extension agents, industry groups, FDACS, and producers, and that the figures do not include many asset losses, supply-chain effects, forestry losses, or some insurance-covered damages. Her preliminary estimates placed total 2024 agricultural production losses between about $402.3 million and $975.8 million, with the hardest-hit commodity groups including field and row crops, vegetables, melons, potatoes, greenhouse/nursery products, and animals and animal products. Members discussed the importance of accurate survey participation and baseline data, including use of USDA Farm Service Agency information, to improve future disaster estimates and federal relief decisions. Several senators emphasized agriculture’s importance in their districts and statewide. No bills were considered and no formal votes were taken; the only action was adjournment by motion of Senator Burton.

Transcript Highlights:

• It depends on the area and how many are wrecked by the storm.
• And one of the issues I know we do have is during the storms, tropical storms or hurricanes, and...
• We had recently in Brevard, one of the storms, the boat broke away and actually caused damage to the
• And it also, the damage to the bridge caused the sewer line damage, which they had, you know, or power
• line damage.

Summary: The subcommittee received an overview from FWC Deputy Director in Law Enforcement Lt. Col. Rob Rowe on boating safety, derelict vessels, and marine debris. On boating safety, he said FWC uses inspections, BUI enforcement, public education campaigns, boater education courses, warnings, and citations to reduce accidents and fatalities. Members asked about probable cause for stops, geofenced safety messages, boating education age requirements, and common violations such as life jacket issues. Rowe said most stops are based on probable cause, the education requirement currently applies to those born after Jan. 1, 1988, and FWC is considering whether broader education requirements would improve safety. The committee then focused heavily on derelict vessels. Rowe explained the legal definition of a derelict vessel, the at-risk and nuisance vessel tools used to intervene earlier, and the V-TIP voluntary turn-in program. He described the removal process, including owner notification, a 21-day administrative hearing period, contractor selection, and disposal/recycling, and said FWC works with local governments, emergency management, and sometimes the Coast Guard on larger pollution-related cases. Members asked about timelines, costs, salvage rules, title issues, and jurisdictional differences between state, county, city, and federal authorities. Rowe said the agency has added staff and grant tools, but continued funding remains important, and he noted that local governments can also use ordinances to address floating structures, liveaboards, anchoring, and storm-related risks. On marine debris, Rowe said FWC works with DEP, FDACS, NOAA, the Gulf of Mexico Alliance, local governments, and volunteers to remove debris ranging from plastics to storm-damaged fishing gear and derelict vessels. He said hurricane events greatly increase debris and derelict vessel removals, and the agency is updating the Florida Marine Debris Reduction Plan with partners. The meeting ended after members and the vice chair emphasized local tools such as mooring fields and pumpout enforcement, and the subcommittee adjourned without taking any formal vote or action beyond rising without objection.

Transcript Highlights:

• Those damages are called liquidated damages. Senators, that's right.
• Those damages are called liquidated damages. Senators, that's right.
• to the direct damages caused.
• You avoid liquidated damages if it was your delay.
• In the 1859 storm, you had telegraph operators that were literally electrocuted as the systems were damaged

Bills: SB75, SB715, SB776, SB1299, SB1405, SB1968, SB2021, SB2077, SB2148, SB2321, SB2330, SB2411

Keywords: electric generation, reliability, ERCOT, Public Utility Commission, penalties, performance requirements, energy policy, construction contracts, compensatory damages, government delays, contractor, legislation, nonprofit donor privacy, membership lists, supporter confidentiality, volunteer privacy, association rights, public records exemption, Texas Public Information Act, government transparency

Summary: The committee first took up pending business and favorably reported several bills without objection or by recorded vote, including SB 783, SB 1238, SB 1706, SB 1791, SB 458, SB 1644, and SB 1810, with some of them also sent to the local and uncontested calendar. The committee then moved into hearings on additional bills. SB 1968, by Senator Schwertner, would update the Real Estate License Act by repealing subagency, requiring written buyer-agent agreements before showings, and clarifying when a formal buyer representation agreement must be signed. Texas Realtors testified in support, saying the bill modernizes agency rules and increases transparency, while a committee substitute corrected drafting issues. SB 2411, the annual update to the Texas Business Organizations Code, was also laid out and left pending after supportive testimony from the Texas Business Law Foundation and drafting committee representatives. The committee also heard SB 2321, which would codify ERCOT’s current practice of notifying TCEQ when backup generation needs enforcement discretion for grid reliability; Sierra Club and a chamber of commerce witness supported it with suggestions for clearer emissions reporting, and the bill was left pending. SB 2077 would broaden eligibility for the Texas Mutual Insurance Company board by narrowing conflict restrictions tied to insurance-related interests; Texas Mutual supported the change and the bill was left pending. SB 1405, a broadband bill, would align state law with FCC standards and streamline Broadband Development Office processes; it was left pending after supportive testimony. SB 1299, protecting nonprofit donor privacy, drew support from privacy advocates and concerns from one witness about transparency for publicly funded nonprofit operations; it was left pending. The committee then heard SB 776, which would bar government construction contracts from shifting delay damages to contractors when delays are caused solely by the public owner. Contractors, surety representatives, and water infrastructure advocates supported the bill, arguing it would improve fairness and reduce inflated bids, while water utilities and critical infrastructure entities opposed it, warning of more litigation and higher costs; the bill was left pending. Finally, SB 715, which would apply reliability requirements retroactively to all generation resources in ERCOT, drew opposition from renewable and storage groups and support from some critics of renewable subsidies, with witnesses split over whether it would improve reliability or raise costs; testimony was underway when the transcript ended.

Transcript Highlights:

• OVER BILLION DOLLARS A YEAR, THEY HAD A LOT OF DAMAGE TO THE FIELDS.
• TROPICAL STORM CONDITIONS.
• A FEW DAYS BEFORE, DURING AND AFTER THE STORM JUST TO MAKE SURE THE GROUND IS REALLY WET BEFORE THE STORM
• SO WE HAVE ESTIMATED LOSSES FOR THREE OF THESE STORMS.
• THERE IS ALSO SIGNIFICANT ASSET INTRODUCTION DAMAGE.

Keywords: 999, senate, all

Transcript Highlights:

• They're calling for 13 to 18 named storms, predicting.
• The losses may be higher in the event of a storm.
• If there was a storm, or would you try to put some of it in reserve?
• And I understand when storms hit, you have to kind of get ready to go.
• After a hurricane, if the roof gets damaged, it can be repaired.

Bills: HB778, HB 1266, HB1576, HB2213, HB2517, HB2518, HB2841, HB3306, HB3320, HB3388, HB3508, HB3520, HB3689

Keywords: credentialing, healthcare, physician assistants, advanced practice nurses, managed care, hurricane, windstorm, loss mitigation, grants, insurance discounts, property retrofitting, insurance, Texas Windstorm Insurance Association, board composition, coastal counties, property insurance, taxation, Texas FAIR Plan Association, premium taxes, maintenance taxes

Transcript Highlights:

• In Boston alone, a major coastal storm in 2070 could cause almost $10 billion in damages.
• A coastal storm surge, the kind of once-in-a-century storm that we now see multiple times every summer
• So the damage was real.
• and storm damage and air pollution and our health outcomes, and threats to our biodiversity and the
• Extreme weather events can lead to physical injury and death from storm damage and auto accidents and

Keywords: 995, all

Summary: The committee hearing focused on a broad set of climate, energy, and environmental justice proposals. Early testimony strongly supported the Climate Change Superfund or “Polluter Pays” bill (H.1014/S.58), which would assess the largest fossil fuel emitters for a one-time fee based on historic emissions to fund climate adaptation. Sponsors argued the bill is modeled on Superfund cleanup principles, would target only the largest multinational polluters, would not be passed on to consumers, and would direct a significant share of funds to environmental justice communities. Committee members asked about the number of companies covered, consumer impacts, and whether the bill would address other forms of environmental destruction; sponsors said it was limited to major fossil fuel companies with a Massachusetts footprint and did not cover other pollution sources. The committee also heard testimony on a fusion energy compact proposal (S.673) that would direct the administration to develop a framework for a New England regional compact to accelerate fusion research, workforce development, and supply-chain growth. Supporters from MIT and the Association of Independent Colleges and Universities said fusion could become a major clean-energy and economic opportunity, but acknowledged the technology is not yet commercially viable and still has unresolved technical, cost, and waste-management questions. Members pressed on environmental impacts, siting, waste, costs, and whether the bill would create a compact or only a framework; sponsors said it would only create the framework and that the administration would need to negotiate with other states. Another major topic was a pilot program for nature-based climate solutions (H.971/S.??), backed by legislators, Boston Harbor Now, and UMass Boston’s Stone Living Lab. Witnesses said the bill would help speed permits for research and demonstration projects such as living shorelines, marsh restoration, and hybrid “green-to-gray” flood protections, while maintaining safeguards and protecting Indigenous and historic resources. Committee members asked how the proposal would interact with other permitting reforms and whether it could conflict with housing or wetland-related streamlining; supporters said it was complementary and aimed at making projects faster, more affordable, and more data-driven. The hearing also covered climate-safe buildings and climate adaptation funding bills. Supporters of H.1004/S.583 said current building codes do not adequately account for future flooding, heat, and wind, and the bill would add climate expertise to the building board, allow stretch resilience codes, expand floodplain standards, and create a retrofit program. Related testimony backed H.938/S.572, which would create a dedicated climate and community resilience fund financed by a small fee on property insurance premiums; advocates said it would provide stable long-term revenue for adaptation, especially in environmental justice communities, and help replace unreliable federal funding. One witness from CLF supported the climate-safe buildings and funding bills but opposed S.560/H.939 as too broad. The committee also heard testimony on airport air-quality legislation (H.997) calling for more monitoring and mitigation of ultra-fine particulate pollution around Logan Airport and Massport communities. No votes were taken during the hearing.

Transcript Highlights:

• The newest allocation received by our office is for the 2023-24 storms, and that was announced.
• So the state's most recently received CDBG DR allocation is for the 23 and 24 storms, which includes
• On October 6th, we opened the application portal for the 2023-24 Storms Housing Program.
• And just a reminder, our 2023-24 storms housing applications are open now at RebuildFlorida.gov.
• They did the damage assessments. They hired the general contractors.

Summary: The Committee on Community Affairs met with a quorum present and heard several housing and disaster-recovery items. The committee heard SB 48 by Senator Gates, which would require local governments to allow voluntary accessory dwelling units, preserve homestead treatment for the owner-occupied portion of the property, limit undue parking restrictions, require 30-day minimum rentals, extend certain density bonuses for military families, and allow reusable tenant screening reports. The bill drew strong support from the Florida Association of Mortgage Professionals and several others, and it was reported favorably. The committee also heard SB 34 by Senator Sharif, creating a historic cemeteries program to help preserve historic African-American cemeteries and allow sale of excess vacant land if proceeds are used for long-term maintenance; it was also reported favorably. The committee then considered and recommended confirmation of Fox Henderson to the Board of Directors of the Florida Housing Finance Corporation. Members also received a presentation from the Department of Commerce on the Community Development Block Grant Disaster Recovery program and Rebuild Florida. Deputy Secretary Justin Domer described the state’s administration of HUD disaster recovery funds, including more than $4.3 billion received since 2017, housing repair and replacement programs that have completed 5,271 homes, and infrastructure and mitigation projects such as sewer conversion in Alford, the new Calhoun-Liberty Hospital, and the Florida Keys desalination plant. Members asked about average project costs, contractor oversight, corrective actions for deficient work, and audit procedures; Domer said the department uses inspections, vendor oversight, and financial penalties, and noted stricter contract consequences in newer programs. The Division of Emergency Management also presented on Elevate Florida, a federal mitigation program that allows homeowners to apply directly for elevation, reconstruction, acquisition/demolition, or wind-mitigation projects, with a 75/25 federal-homeowner cost share and no state funds. Director Kevin Guthrie said the program is designed to reduce repetitive flood losses and keep homeowners in place, and that it has received more than 12,000 applications, with about 1,500 prioritized, 500 on a wait list, and 305 submitted to FEMA for final approval. Members asked about the 25% match for seniors, the wait list, contractor procurement, and how projects are classified; Guthrie said the program uses insurance proceeds where available, has competitively procured 27 contractors, and may shift projects from elevation to reconstruction depending on damage and flood rules. The committee adjourned after the presentations and discussion.

Transcript Highlights:

• Then they got to spend 1.2 million in addition on their school just for one storm.
• Part of it is, is due to the concentration of risk and the risk of, of storms.
• Cause much more damage than multiple hailstorms or tornadoes across the state.
• What'll help is One, fewer storms, to be honest. Two, construction costs.
• You can make your home relatively resistant to damage from.

Transcript Highlights:

• Senator<00:13:45.120> Storm. Senator Storm. Senator Storm.
• Senator<00:19:10.080> Storm. Senator Storm. Senator Storm. >> I. >> I.
• He said a damage appraiser. Well, there's no such thing as a damage appraiser.
• He said a damage appraiser. Well, there's no such thing as a damage appraiser.
• Senator<00:40:25.080> Storm? Senator Storm? Senator Storm?

Keywords: Meeting Start 00:00 Call to Order and Roll Call 00:07 Discussion SB 97 01:21 Vote SB 97 13:27 Discussion HB 3 15:12 Vote HB 3 17:15 Discussion HB 184 17:54 Vote HB 184 18:42 Discussion HB 355 19:34 Vote HB 355 39:50, 958, all

Transcript Highlights:

• On the last named storm that went through Alabama, not a single fortified home faced catastrophic damage
• The pipes were built for storms of this size.
• The pipes were built for storms of this size. We're seeing storms of this size.
• After property damage from storms, fires, et cetera, our ability to access these funds quickly is vital
• So it's 10% of whatever the final number is on building damage, personal property damage.

Keywords: 995, all

Summary: The Joint Committee on Financial Services heard testimony on a wide range of insurance-related bills, with much of the discussion focused on affordable housing insurance, homeowners insurance practices, climate resilience, and consumer protections after property losses. Senators and representatives testified in support of a resolve to create a commission on affordable housing insurance (S. 768/H. 1279), arguing that rising premiums and deductibles are threatening the viability of affordable housing properties and new development. Supporters also backed bills to establish private flood insurance standards (S. 719), create climate-resilient home retrofit grants (S. 720), expand the MVP climate resilience program (H. 1310/S. 686), and protect urban trees and limit insurer-driven tree removals (H. 1316). Several lawmakers and advocates said these measures would help reduce risk, preserve insurability, and address the effects of increasingly severe storms and flooding. The committee also heard testimony on bills addressing insurer use of aerial imagery (H. 1242/H. 2142) and notice periods for nonrenewals or repairs (H. 4042 and related measures). Supporters said insurers should be allowed to use drones and satellite images but with stronger guardrails, including current photos, disclosure of risk factors, an appeals process, and time to cure defects. They argued that homeowners are sometimes blindsided by nonrenewals based on inaccurate aerial photos or given too little time to make repairs. Opponents from the insurance industry said aerial imagery is already regulated by the Division of Insurance, that additional statutory requirements could create confusion and litigation, and that existing notice rules already provide 45 days for nonrenewals and 60-day limits on cancellations. Industry witnesses also warned that some proposed timelines conflict with current law and could restrict useful underwriting tools. Another major topic was H. 1077, which would restrict solicitation by restoration companies and public adjusters at fire scenes. A homeowner described being approached immediately after a house fire by restoration and public-adjuster representatives and said the experience was intrusive and overwhelming; supporters said homeowners need time and space to make informed decisions after a disaster. Public adjusters and restoration contractors opposed the bill, saying they provide needed guidance, emergency mitigation, and claims assistance when homeowners are under stress, and that some existing protections already allow consumers to cancel contracts. The hearing ended after all listed witnesses testified, and the committee voted to close the hearing; no bill dispositions were taken during the session.

Transcript Highlights:

• So the state's most recently received CDBG DR allocation is for the 23 and 24 storms, which includes
• On October 6th, we opened the application portal for the 2023-24 Storms Housing Program.
• Once we award the 2023-24 storms infrastructure funds, that will bring our total invested up to $2.1
• And just a reminder, our 2023-24 storms housing applications are open now at RebuildFlorida.gov.
• They did the damage assessments. They hired the general contractors.

Summary: The Committee on Community Affairs met with a quorum and heard two bills, a confirmation, and two agency presentations. SB 48 by Senator Gates would require local governments to allow voluntary accessory dwelling units, preserve homestead exemption for the owner-occupied portion, limit parking restrictions, require 30-day minimum leases, extend density bonuses for military-family housing, and allow reusable tenant screening reports. The bill drew strong support from the Florida Association of Mortgage Professionals and several others, and it was reported favorably on a unanimous roll call. SB 34 by Senator Sharief would expand the Historic Cemetery Program, particularly to help historic African-American cemeteries preserve and maintain themselves by allowing sale of excess vacant land only if proceeds are used for long-term upkeep; it also passed unanimously and was reported favorably. The committee also recommended confirmation of Fox Henderson to the Florida Housing Finance Corporation Board of Directors by unanimous vote. In addition, the Department of Commerce presented on the Community Development Block Grant Disaster Recovery program and Rebuild Florida, describing more than $4.3 billion in HUD disaster recovery funds since 2017, housing repair and replacement efforts that have completed more than 5,200 homes, and infrastructure and mitigation projects across the state. Members asked about average project costs, contractor oversight, corrective actions for deficient work, and clawbacks from a prior vendor; Commerce said it had ended the earlier vendor relationship, imposed about $3.6 million in financial consequences, and now uses stronger oversight and competitive procurement for contractors. The Division of Emergency Management then presented on Elevate Florida, a federal mitigation program that allows homeowners to apply directly for elevation, reconstruction, acquisition, or wind-mitigation projects, with a 75/25 federal-homeowner cost share and no state funds used. Director Kevin Guthrie said the program is intended to reduce repetitive flood losses, keep homeowners in their communities, and serve as a national model; he reported more than 12,000 applications, about 1,500 prioritized for review, 500 on a wait list, and 305 submitted to FEMA for final approval. Members asked about assistance for seniors who cannot meet the 25% match, the wait-list process, contractor selection, and the mix of project types, and Guthrie said contractors were selected through competitive procurement and that most projects are elevations, though some may become reconstructions or acquisitions depending on inspection results. The committee adjourned after the presentations.

Transcript Highlights:

• Those damages are called liquidation. It damages. Senator, that's right.
• It limits the damages to the direct damages caused.
• You avoid liquidated damages if it was your delay.
• we know that was a strong solar storm.
• In the 1859 storm, you had telegraph operators that were literally electrocuted as the systems were damaged

Bills: SB75, SB715, SB776, SB1299, SB1405, SB1968, SB2021, SB2077, SB2148, SB2321, SB2330, SB2411

Keywords: electric generation, reliability, ERCOT, Public Utility Commission, penalties, performance requirements, energy policy, construction contracts, compensatory damages, government delays, contractor, legislation, nonprofit donor privacy, membership lists, supporter confidentiality, volunteer privacy, association rights, public records exemption, Texas Public Information Act, government transparency

Transcript Highlights:

• In addition to increasing the intensity of storms and other weather events causing more severe damage
• risk of wildfire and convective storms risk of wildfire and convective storms in<00:35:50.960>
• ,<00:38:56.720> non-economic<00:38:57.599> damages, economic damages, non-economic
• damages, economic damages, non-economic damages, and<00:38:58.320> the<00:38:58.480> awarding
• >> even a month after the storm hits. >> even a month after the storm hits.

Keywords: 1183, house