Bills: SR185 , HB2452 , HB2329 , HB2272 , HB2273 , HB2335 , HB1656 , HB2207 , HB2289 , HB1854 , HB2581 , HB20 , HB2296 , HB1707 , HB2297 , HB1890 , HB2241 , HB2474 , HB1688 , HB2546 , HB1574 , HB1546 , HB2218 , HB1163 , HB1514 , HB1749 , HB2385 , HB1576 , HB1974 , HB2022 , HB1973 , HB2005 , HB1894 , HB1515 , HB1718 , HB1591 , HB2475 , HB1721 , HB1864 , HB1946 , HB1920

Keywords: Department of Education, capital improvement program, performance audit, infrastructure, transparency, state bonds, general obligation bonds, GO bonds, bond authorization, state debt limit, constitutional debt limit, Article VII Section 13, Hawaii bonds, state borrowing, public finance, capital improvement projects, supplemental appropriations, judiciary appropriations, refunding bonds, reimbursable bonds

Transcript Highlights:

• HB number 29 by Grady's relating to water losses reported by certain municipally owned utilities to the
• municipally owned utilities by introducing new requirements for auditing and mitigating real water loss
• This bill builds on this by establishing a validation and remediation process when Real water loss exceeds

Bills: HB29 , HB 125 , HB145 , HB171 , HB255 , HB50 , HB796 , HB363 , HB 116 , HB491 , HB589 , HB1495 , HB368 , HB 1285 , HB1905 , HB1360 , HB2002 , HB917 , HB2723 , HB2067 , HB 1238 , HB2337 , HB745 , HB 1188 , HB1606 , HB2003 , HB2147 , HB2391 , HB2355 , HB2546 , HB2495 , HB2818 , HB2249 , HB1749 , HB3109 , HB3228 , HB3240 , HB1507 , HB658 , HB1748 , HB1851 , HB1922 , HB2001 , HB2798 , HB 107 , HCR29 , SB5 , SB262 , HB 11 , HJR72 , HB 106 , HB18 , HB48 , HB27 , HB37 , HB1481 , HB581 , HB1696 , HB2216 , HB 1035 , HB1633 , HB742 , HB754 , HB1689 , HB1690 , HB2669 , HB391 , HB517 , HB 1024 , HB1607 , HB252 , HB1716 , HB1562 , HB4116 , HB1866 , HB1741 , HB2103 , HB2637 , HB2884 , HB503 , HB 1089 , HB2986 , HB972 , HB502 , HB29 , HB 125 , HB145 , HB171 , HB255 , HB50 , HB796 , HB363 , HB 116 , HB491 , HB589 , HB1495 , HB368 , HB 1285 , HB1905 , HB1360 , HB2002 , HB917 , HB2723 , HB2067 , HB 1238 , HB2337 , HB745 , HB 1188 , HB1606 , HB2003 , HB2147 , HB2391 , HB2355 , HB2546 , HB2495 , HB2818 , HB2249 , HB1749 , HB3109 , HB3228 , HB3240 , HB1507 , HB658 , HB1748 , HB1851 , HB1922 , HB2001 , HB2798 , HB 107 , HCR29

Keywords: water audit, water loss, water loss mitigation plan, municipally owned utility, municipal utility, water conservation, Texas Water Development Board, TCEQ, Texas Commission on Environmental Quality, water leakage, leak detection, billing data accuracy, utility validation, water audit validation, water scarcity, water management, infrastructure, public utility, conservation plan, administrative penalty

Transcript Highlights:

• Building and proving that good fire reduces catastrophic risk.
• We're going to examine catastrophic wildfire losses, inflation-driven exposure, rate adequacy to support
• It reflects a 13% underwriting loss over 10 years.
• So, again, just confirming, insurers are taking loss after loss here in California.
• Premiums ultimately reflect risk and loss.

Summary: The Select Committee on Native American Affairs met on Barona tribal land to examine rising homeowners insurance costs affecting tribal communities, with opening remarks from tribal leaders and Assembly members emphasizing tribal sovereignty, the history of forced settlement in high-risk areas, and the need for the state to recognize mitigation work already being done on tribal lands. The committee heard that wildfire, drought, and other climate-driven disasters have sharply increased insurance premiums and reduced coverage options, especially for tribes located in rural or mountainous areas that were not chosen by the tribes themselves. Cal Fire Deputy Director Frank Bigelow described the state’s wildfire response and tribal engagement efforts, including tribal liaisons on incident management teams, a Southern Region Tribal Affairs Deputy Chief, cultural burning agreements, and more than $30 million in tribal wildfire resilience grants over the last three years. Members questioned why tribal communities receive only a small share of grants, whether Cal Fire should do more outreach and budget proposals for tribes, and whether mitigation work is being recognized by insurers. Bigelow said Cal Fire is working with insurers and the Insurance Institute for Business and Home Safety on mitigation standards, but acknowledged that more tribal outreach and participation are needed. Tribal chairpersons and fire chiefs testified that their communities are already investing heavily in fire protection through dedicated fire departments, fuel reduction, defensible space, prescribed burns, firebreaks, and home-hardening efforts, yet premiums remain high or coverage is denied. Barona leaders said premiums can range from $6,000 to $18,000 and urged insurers to assess properties individually rather than by broad high-risk zones. Soboba, Hamu, and Pechanga representatives described similar efforts and said grant rules, environmental review, and insurer practices can make it difficult to translate mitigation into lower rates. Several members suggested short-term state assistance or a tribal insurance mitigation fund, and the committee discussed the possibility of requiring insurers to better account for tribal mitigation and sovereignty in risk assessments.

Transcript Highlights:

• And my thought is, should we maybe tee you up for some Climate Commitment Act money to offset the loss
• The next steps relate to the success in reducing wildfire loss.
• from natural catastrophes when those catastrophes occur.
• The recognition very early in the year was that loss was going to be in excess of...
• The recognition very early in the year was that loss was going to be in excess of $20 billion.

Committee: House Environment & Energy

Summary: The committee first heard an update on the Model Toxics Control Act (MOTCA) and related cleanup programs. Department of Ecology staff described how MOTCA and the hazardous substance tax fund cleanup, prevention, stormwater, and other environmental work across state agencies, but warned that forecasted revenues have fallen while appropriations and transfers have outpaced incoming funds. Ecology said the operating account will require spending reductions to stay solvent this biennium, and that further cuts may be needed if forecasts worsen. Ecology also reviewed the state cleanup process and the scale of the problem, noting more sites are being discovered each year than are being cleaned up. The Pollution Liability Insurance Agency said its dedicated petroleum-tax-funded accounts remain stable, and highlighted its newer financial assurance and heating oil loan/grant programs, while noting concerns about equity for small property owners facing large cleanup liens. Practitioners and stakeholders then offered differing views on how MOTCA should work. One cleanup attorney argued the program has become too slow, expensive, and process-heavy, and urged a more risk-based, collaborative approach with less reliance on conservative assumptions. Environmental and community advocates countered that MOTCA is essential for cleanup, pollution prevention, stormwater control, and public participation, especially in communities of color and low-income neighborhoods that bear disproportionate toxic burdens; they urged stronger funding, tighter scrutiny of tax exemptions and budget diversions, and more accountability for stormwater spending. Port and city representatives emphasized that MOTCA grants are critical for large brownfield and waterfront cleanup projects that support redevelopment, but said long timelines, permitting delays, and funding uncertainty can stall projects and jeopardize existing commitments. The committee then shifted to utility wildfire risk. Staff summarized recent legislation on wildfire mitigation plans, captive insurance, securitization, and the wildfire response and resilience account. Chelan PUD described extensive mitigation work including vegetation management, grid hardening, undergrounding, AI cameras, weather stations, and partnerships on forest-health projects, and asked the Legislature to restore funding to the wildfire response and resilience account. Puget Sound Energy described similar investments across its service territory, including undergrounding, tree wire, sensors, cameras, weather stations, drones, and public safety power shutoffs, and said wildfire is its top risk. The Office of the Insurance Commissioner summarized a 2022 utility liability market study and a 2025 wildfire mitigation work group, recommending restored community resilience funding, clearer wildfire risk information for property owners, and a grant program based on recognized home-hardening standards. Committee members asked about insurance cancellations, neighborhood-level risk, and whether utilities’ or insurers’ maps are used; the commissioner’s office said insurers generally use their own data and that Washington’s FAIR Plan remains small compared with other states.

Transcript Highlights:

• California has faced an unprecedented rise in the risk of catastrophic natural disasters over the last
• Catastrophe saving accounts provide a direct solution by ensuring that homeowners have dedicated funds
• Helping families rebuild their lives after devastating catastrophes.
• While we offer our heartfelt sympathies to those who experience loss due to the LA wildfires, we also
• suggested, we ask that AB 238 be changed to make it clear that a mortgage servicer who follows the loss

Committee: House Banking and Finance

Transcript Highlights:

• in stronger roofs, safer structures, and more resilient neighborhoods, lowering long-term disaster losses
• Kentucky has a 10 or 15% cap for non-catastrophe...
• Senator Kentucky has a 10% or 15% cap for catastrophe claims, and then they don't provide caps for non-catastrophe
• losses, still reasonable enough to provide compensation for those folks who are doing work, but also
• losses, still reasonable enough to provide compensation for those folks who are doing work, but also

Committee: House Insurance and Banking

Summary: The Insurance Committee held public hearings on House Bill 3328 and House Bill 2324. HB 3328, sponsored by Rep. Castile, is a broad homeowners insurance package that would redirect insurance dedicated fund money into a Missouri Stronger Homes Fund, create a Missouri Disaster Mediation Act for disaster-related claims, update public adjuster regulation, strengthen fraud provisions, add consumer notices, and establish roof-hardening grant programs. The sponsor and the Department of Commerce and Insurance said the bill is still being revised in a committee substitute, especially on public adjuster language and fortified roof standards. Committee members asked about the dedicated fund, mediation benchmarks, the role of public adjusters, and how the program would affect disaster recovery in places like St. Louis. Testimony on HB 3328 was mixed. The Department of Commerce and Insurance and several insurance industry groups supported the bill’s consumer protections, mitigation funding, mediation process, fraud language, and assignment-of-benefits ban, but said the public adjuster fee cap would likely be removed and that the bill needs technical changes for mutual insurers and roofing standards. Public adjusters testified in opposition to the cap as written, saying their fees are typically 10-15% and are disclosed in contracts, and that they were working with the sponsor on revisions. A shingle manufacturer also opposed the fortified roof language as drafted because some of its products may not fit the current standard. The committee then closed the hearing on HB 3328. The committee next heard HB 2324, sponsored by Rep. Lucas, which would restrict the sharing or sale of vehicle driving data and was described by the sponsor as a privacy bill aimed at stopping companies like OnStar from selling driving data to insurers. Opponents from the Missouri Insurance Coalition and NAMIC said the bill would not actually target OnStar, but would instead interfere with voluntary telematics-based discount programs used by insurers, potentially raising premiums and creating administrative burdens. They also noted existing federal and state rules already govern insurer data use and that the bill could create a mismatch between risk and pricing. The hearing on HB 2324 was then closed, and the committee adjourned.

Transcript Highlights:

• And Asher's parents came here to speak about it, to speak about their loss, to show how bullying someone

Bills: SB1637 , SB1 , HB300 , SB2601 , SB37 , HB2011 , HB3595 , HB3071 , SB12 , HB3372 , SB457 , HB2067 , SB2337 , SB447 , SB1506 , SB1566 , SB763 , HB3556 , SB13 , SB2018 , SB331 , SB379 , HB145 , SB441 , SB2878 , HB2885 , HB2017 , HB5246 , SB8 , SB2308 , SB1540 , HB 119 , SB1405 , SB3059 , SB15 , SB568

Keywords: SB 1637, deadly conduct, Texas Penal Code, Section 22.05, firearm, gun, pointing a gun, recklessness presumption, peace officer, law enforcement, police, officer-involved shooting, use of force, justification, self-defense, defense of others, Chapter 9, criminal prosecution, Penal Code amendment, appropriations

Summary: The House met in a late-session floor session that began with prayer, pledges, quorum, and a series of excused absences and Senate messages reporting action on numerous bills, conference committee appointments, and conference reports. Members also adopted a memorial resolution honoring Mark James Hanna, a Capitol lobbyist and advocate for nurses, and a congratulatory resolution for Rishi Tarumalasetti, an eighth-grade civics bee winner from Katy. The chamber also received and recorded a parliamentary colloquy about an unusual Senate request on SB 293, with the Chair stating the House could not recede from only part of its amendments and could not suspend the rules because the bill had not been returned from the Senate. The bulk of the session was devoted to taking up conference committee reports and related procedural resolutions, especially the state budget. The House adopted a resolution allowing the SB 1 conferees to go outside the normal bounds, then adopted the SB 1 conference report on a 107-21 vote. Debate on the budget centered on public education funding, tax relief, health care, corrections pay, and judicial compensation, with supporters calling it a responsible compromise and opponents arguing it was overly expansive and insufficient on property tax relief. The House also adopted a technical correction resolution tying judicial pay increases in SB 1 to the House version of SB 293, and members discussed at length the relationship between judicial salaries and legislative pensions. The chamber then adopted a long series of conference reports on measures covering topics such as school library review and book challenges (SB 13), SNAP restrictions on sweetened drinks and candy (SB 379), hospital price transparency (SB 331), nursing home accountability (SB 457), school district personnel compensation conflicts (HB 3372), property notice rules (HB 2011), research and development tax credits (SB 2018), and several other bills affecting elections, permits, education, and criminal justice. Most reports passed by wide margins, though some drew significant opposition, especially SB 13 and SB 379. The House also granted several Senate requests for conference committees and introduced additional resolutions to suspend conferee limits on various bills as the session moved toward adjournment.

Transcript Highlights:

• definitions to address an issue like housing, such as the mass displacement of people or the mass loss
• definitions to address an issue like housing, such as the mass displacement of people or the mass loss
• definitions to address an issue like housing, such as the mass displacement of people or the mass loss
• definitions to address an issue like housing, such as the mass displacement of people or the mass loss
• definitions to address an issue like housing, such as the mass displacement of people or the mass loss

Committee: Senate Public Safety and Military Affairs

Summary: The Committee on Public Safety and Military Affairs took up several measures, beginning with House Bill 2413 on pre-trial reform, which had been deferred from a prior agenda. The chair said the committee would incorporate judiciary recommendations and other technical, non-substantive amendments to continue discussion, and the measure was adopted with amendments by a 2-1 vote, with one member excused. The committee then heard extensive testimony on House Bill 2062, which appropriates funds for gun violence prevention efforts, including processing temporary restraining orders and gun violence protective orders and funding public awareness campaigns. Supporters, including county, advocacy, law enforcement, and student witnesses, said the bill would improve implementation of an existing law, save lives, and reduce suicides and violence. Opponents argued red flag laws can be abused, raise due process concerns, and may create dangerous enforcement situations. Written testimony was reported as 60 in support, 47 in opposition, and one comment. The committee later passed HB 2062 with amendments, including a corrected effective date, by a 3-1 vote with one member excused. The committee also considered House Bill 1957 on safe entryways, which would establish enforcement procedures in larger cities to prevent blocking of private doorways and entrances. Written testimony included support and opposition, but no oral testimony was offered, and the bill was passed with technical, non-substantive amendments. House Bill 253 on fireworks, which expands civil asset forfeiture for felony fireworks offenses and clarifies air-delivery provisions, was also passed with an amended effective date. House Bill 2581 on emergency management, which would narrow the definitions of disasters and emergencies, drew testimony both supporting the bill as a check on emergency powers and opposing it as incomplete or too broad in its current form; decision-making on that measure was deferred to the committee’s March 23 meeting. House Bill 2498 on a care home resilience pilot program was also deferred to March 23 after no testimony was offered.

Transcript Highlights:

• And 2021 being when Representative Springer led the charge on House Bill 1168 to address catastrophic
• I think it's really important, Representative Orcutt, that we don't Catastrophic wildfires.
• their insurance carriers, which will hopefully then reduce their risk of bankruptcy, of liability loss
• Appreciate that, and I'm sorry for your loss as well. It's never easy, so thank you.
• For us, landowners have a little different recovery loss.

Bills: HB2275 , HB2238

Committee: House Agriculture & Natural Resources

Keywords: wildfire prevention, Washington wildfire council, fire safety, environmental protection, state regulations, HB 2238, HB2238, statewide food security, food security strategy, hunger, food insecurity, food access, food assistance, anti-hunger, nutrition education, food system literacy, agricultural viability, supply chain resilience, Washington Department of Agriculture, food policy forum

Transcript Highlights:

• And my thought is, should we maybe tee you up for some Climate Commitment Act money to offset the loss
• Ecology and PLEA are often facing institutional knowledge loss as many long-term practitioners retire
• from natural catastrophes when those catastrophes occur.
• The recognition very early in the year was that loss was going to be in excess of...
• The recognition very early in the year was that loss was going to be in excess of $20 billion.

Summary: The committee first heard updates on the Model Toxics Control Act (MTCA) and related funding. Department of Ecology staff explained how MTCA and the hazardous substance tax support cleanup, prevention, stormwater, and local assistance programs, but said forecasted revenues have declined while appropriations and transfers have outpaced incoming funds. Ecology said the operating account will require underspending to stay balanced this biennium and that the problem is ongoing, with further reductions possible if forecasts worsen. Ecology also reviewed the state cleanup program, noting there are more than 14,500 cleanup sites in Washington and that new sites continue to be discovered faster than they are cleaned up. A question from Representative Lee raised the long-term issue of declining fossil-fuel-based revenue, and Ecology agreed that this is a future structural concern even though the current shortfall is driven more by forecasts and transfers than by fuel-use decline. The Pollution Liability Insurance Agency described its underground storage tank and heating oil programs, saying it has modernized from a reinsurance model to a financial assurance model with stronger state oversight and cleanup milestones. Russ Olson said the agency’s dedicated petroleum tax account is in strong financial condition, but emphasized the importance of preserving that funding source. He also discussed the loan and grant program for historic commercial releases and a new heating oil loan/grant program, while noting the agency is working on equity concerns where liens can be disproportionate to property values in smaller communities. Practitioners and advocates then offered differing views on MTCA’s performance: one attorney urged a collaborative review process to make cleanups faster, less expensive, and more certain, while another consultant argued the program is too conservative and process-heavy and should focus more narrowly on actual exposure and realistic cleanup standards. Environmental and community groups countered that MTCA is essential for cleanup, pollution prevention, stormwater control, and public participation, and that it is especially important for environmental justice communities such as the Duwamish Valley. Port and city representatives stressed that MTCA grants and cleanup funding are critical for large redevelopment projects, but said long timelines, permitting delays, and funding uncertainty can slow projects and jeopardize commitments. The committee then shifted to utility wildfire risk. Staff summarized recent legislation, including requirements for utility wildfire mitigation plans, creation of a wildfire mitigation standards work group, authorization for captive insurance by local governments and PUDs, securitization authority for disaster costs, and the existing wildfire response and resilience account. Chelan County PUD and Puget Sound Energy described extensive mitigation efforts such as vegetation management, grid hardening, undergrounding, AI smoke cameras, weather stations, enhanced operating settings, public safety power shutoffs, and community outreach. Both said wildfire risk is rising and insurance costs are increasing, and Chelan PUD asked the Legislature to restore funding to the wildfire response and resilience account. The Office of the Insurance Commissioner said a 2022 utility liability market study found insurance availability is tightening as perceived risk rises, and reported that a 2025 work group recommended restoring community resilience funding, requiring insurers to share wildfire risk scores and mitigation steps with property owners, and creating a grant program based on insurance industry wildfire standards. A PNNL scientist added that wildfire probability is increasing in parts of Washington and that mitigation requires long-term, landscape-scale coordination. The final speaker began describing California’s approach to wildfire risk, but the transcript cuts off before that presentation concluded.

Transcript Highlights:

• And 2021 being when Representative Springer led the charge on House Bill 1168 to address catastrophic
• their insurance carriers, which will hopefully then reduce their risk of bankruptcy, of liability loss
• Appreciate that, and I'm sorry for your loss as well. That's never easy, so thank you.
• About four years ago, we suffered a loss of 341,000 acres of northern New Mexico, and it will forever
• He explained that landowners have a different kind of recovery loss: if they are running on a 50-year

Summary: The House Agriculture and Natural Resources Committee held a public hearing on House Bill 2275, which would create a Wildfire Prevention and Protection Fund and a new council to oversee utility wildfire mitigation, claims payments, and related administration. Staff explained that investor-owned utilities would be required to participate, consumer-owned utilities could opt in, and utilities would pay annual contributions and maintain approved wildfire mitigation plans to qualify for claims coverage. The prime sponsor, Rep. Christine Reeves, said the bill was intended to address wildfire liability, support prevention, and create a more comprehensive statewide approach to wildfire risk. Members asked about retroactivity to July 1, 2021, utility contribution limits, and whether the bill would lower rates or improve mitigation funding. Public testimony was split. Supporters included the Confederated Tribes of the Colville Reservation, the Department of Natural Resources, wildfire survivors, and several wildfire and insurance advocates, who emphasized the need for compensation, stable funding, prevention, and better resilience planning. Opponents included several utilities, utility associations, business groups, and public utility district representatives, who argued the bill would shift uncapped costs to ratepayers, lacked clear liability reform and solvency protections, and could be vulnerable to future fund sweeps. Some witnesses cited California’s wildfire fund as a model, while others said Washington needed a broader, more holistic solution focused on prevention and liability reform. No vote was taken on HB 2275; the public hearing was closed after testimony. The committee then moved to executive session on House Bill 2238, which directs the Department of Agriculture to develop a statewide food security strategy and adds food security coordination and food system performance monitoring to the department’s duties. Four amendments were adopted: L-061, requiring consideration of regulatory cost metrics and periodic competitiveness reporting; L-062, directing the strategy to recommend legislative actions to make food more affordable and reduce food assistance need; L-060, adding people with lived experience of food insecurity and BIPOC small farmers to consultation requirements and focusing on root causes of hunger; and L-063, adding fuel and labor cost tracking to agricultural viability metrics. Amendment L-064, which would have required a consultant study on proposed agricultural labor legislation, failed on a 5-6 roll call vote. The committee then adopted the amended substitute and reported Substitute House Bill 2238 out of committee with a due pass recommendation by an 11-0 vote.

Transcript Highlights:

• In California, that number is from 10,000 to 31,000 job losses.
• But catastrophic job loss caused by AI is not inevitable. It is a political choice.
• I understand deeply how destabilizing job loss can be.
• , and catastrophic disruptions in the medical supply chain.
• That legislation was rooted in a documented catastrophic... Richmond Refinery Fire.

Committee: House Labor and Employment

Transcript Highlights:

• Assembly Bill 1726 Assembly Bill 1726 allows California homeowners to establish a catastrophe savings
• A catastrophe savings account would empower a homeowner to prepare for these flooding.
• insurance deductibles, uncovered losses, and mitigation efforts.
• and catastrophes.
• These catastrophe savings accounts are another tool in the toolbox to help homeowners plan ahead.

Committee: House Banking and Finance

Transcript Highlights:

• These models, as they... ...fire risk or catastrophe risk.
• Everybody always says they lose money on a catastrophic fire.
• And if we do have a fire, can we keep that loss down?
• So, last, catastrophic fires cost everyone.
• So last, close, catastrophic fires cost everyone.

Committee: House Business

Transcript Highlights:

• According to recent reports by Swiss Re, we're on pace to have $145 billion in global catastrophe losses
• That's one decade, and just on natural catastrophes.
• We're not talking about total insured losses globally, just those caused by natural catastrophes.
• We're seeing a significant rise in catastrophic claims.
• We have not, for a long time, had any hurricane losses.

Committee: Joint Joint Committee on Financial Services

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, again, today we cover the catastrophe risk, right?
• we hit a $6 billion loss.
• losses.
• Our policy requires direct physical loss.
• The direct physical loss was not challenged by the courts.

Committee: House Insurance

Transcript Highlights:

• , losses, and expenses.
• Bolduc:** As I mentioned, the CRTF is our first layer of catastrophic losses and is of immediate concern
• , losses, and expenses.
• A company can't use a single past event to justify future losses.
• losses.

Committee: Senate Business & Commerce

Transcript Highlights:

• losses or was incurred extraordinary losses or was having<00:09:24.440><c> cash</c><00:09:24.720><c>
• </c><00:20:25.919><c> loss</c><00:20:26.919><c> and</c> the event of a catastrophic loss and the event
• of a catastrophic loss and they<00:20:27.480><c> took</c><00:20:27.799><c> a</c><00:20:28.080><c> c-par
• You could have a $300 million loss that would be catastrophic.
• that would be have a $300 million loss that would be catastrophic<00:51:21.960><c> um</c><00:51:22.079

Transcript Highlights:

• So again, today, we cover the catastrophe risk, right?
• we hit a $6 billion loss.
• and we have losses.
• Our policy requires direct physical loss.
• The direct physical loss was not challenged by the courts.

Summary: The Assembly Insurance Committee held an oversight hearing on the California Fair Plan, focusing on its rapid growth, financial stability, rate adequacy, and role in the homeowners insurance market. Committee members described the Fair Plan as increasingly functioning as a “safety net” rather than a true insurer of last resort, while Fair Plan representatives said the plan was created by statute, is privately funded by member insurers, and is now taking on more business because of non-renewals and limited availability in the admitted market. They emphasized that the plan offers residential and commercial coverage, but not a full HO-3 homeowners policy, and said expanding into that product would require major new staffing, vendor, and claims infrastructure. A major topic was pricing and assessments. Fair Plan officials said their rates have historically lagged their projected costs, especially because reinsurance costs were not fully recoverable in rates until recently. They reviewed recent filings, including a 2023 filing that was reduced from an estimated 80% need to a 35.8% request after working with the Department of Insurance. They also discussed the plan’s reinsurance tower, a new catastrophe bond, and the $1 billion assessment triggered by the 2025 Los Angeles fires after losses exceeded available capital. They said AB 226 helped secure a $600 million line of credit to reduce assessment risk, and they thanked lawmakers for supporting that measure. Members raised constituent concerns about coverage limits, underinsurance, and misinformation from agents. Fair Plan officials said they do not deny applicants because their homes exceed the plan’s $3.3 million limit; instead, policyholders can combine Fair Plan coverage with excess insurance. They said broker training and webinars are being expanded to address misunderstandings, and they noted that raising the cap would depend on achieving actuarially sound rates and sufficient financial capacity. Members also asked about smoke claims from the 2025 fires; the Fair Plan said it has paid covered smoke claims under California law, reviewed closed claims, and removed the “sight and smell” language from its policy form after litigation and CDI action. Public commenters from the insurance industry, builders, agriculture, and nonprofit service providers largely urged faster depopulation of the Fair Plan, more adequate rates, and reforms to the clearinghouse process. Some warned that the Fair Plan is now competing with the admitted market because it can be cheaper in some areas, while others said the plan is still essential because the private market is not serving high-risk or specialized properties. The hearing ended without a vote or formal action, but committee members and Fair Plan representatives agreed to continue working on rate, transparency, and depopulation issues.

Transcript Highlights:

• and natural catastrophes; and four, the long-term integrity of California's insurance marketplace, which
• New catastrophic... sidestep this requirement, litigation would have only delayed and this relief for
• New catastrophic.
• That we are currently implementing in our sustainable insurance strategy: new catastrophe model tools
• Well, the insurance companies have two years to recoup that loss.

Committee: House Insurance

Summary: The Assembly Insurance Committee held an oversight hearing on the California Department of Insurance’s Sustainable Insurance Strategy (SIS), with Commissioner Ricardo Lara reporting on implementation progress and the state’s broader homeowners and commercial insurance crisis. He said the department has finalized major reforms, is reviewing catastrophe models, and expects insurers to begin submitting new rate filings in the coming weeks under the updated framework. Lara emphasized that the goal is to improve availability and stability in the admitted market, reduce reliance on the FAIR Plan, and better reward wildfire mitigation and home hardening. A major portion of the hearing focused on claims handling after the Los Angeles-area wildfires, including smoke-damage claims, underinsurance, and the FAIR Plan. Lara said the department has opened a formal market conduct examination of State Farm’s wildfire claims handling, is investigating FAIR Plan smoke-damage claims, and has helped more than 12,000 wildfire survivors while recovering more than $60 million on complaints. He also announced a new smoke claims and remediation task force to develop standards for smoke-damage cleanup and health protections, and said the department is working with other western states on underinsurance data and policy solutions. Members asked about implementation timelines, the impact on consumers, FAIR Plan costs, and the role of intervenors in rate cases. Lara said the department is tightening rules for intervener compensation and will no longer grant petitions unrelated to the actual rate application, while also clearing a backlog of compensation petitions. He said the FAIR Plan has begun publicly posting policy counts and financial information, and that further transparency measures may follow. Public commenters from the insurance, building, and broker industries generally supported SIS, saying it is needed to restore availability, improve rate timeliness, and stabilize the market. No votes were taken, and the hearing concluded without formal committee action.