Transcript Highlights:

• SB1643 proposes a shift in how property and casualty insurance... Rates are regulated in Texas.
• Okay, Beaman Floyd, Texas Coalition of Affordable Insurance Solutions, shown again.
• It exempts the Texas Windstorm Association Fund (TWAF) from insurance premiums and maintenance taxes.
• Albert Betts, Executive Director, Independent Insurance Agents of Texas.
• OK, so I'm here to represent the Coastal Windstorm Insurance Coalition. We are for.

Bills: SB1642, SB1643, SB2530

Keywords: Texas Department of Insurance, commission appointments, insurance regulation, oversight, consumer advocacy, insurance rates, property insurance, commercial automobile insurance, rate approval, consumer protection, windstorm insurance, Texas Windstorm Insurance Association, administrative penalties, coastal counties, 1184, house, all

Bills: SB 1468, SB 1612, SB 1789, SB 2530, SB 2571, SB 2717, SB 2967

Keywords: utility systems, Texas A&M, regents authority, construction, improvement, construction contracts, trust funds, property rights, mechanics lien, contractors, trustee liability, mechanic's lien, liability, attorney's fees, windstorm insurance, Texas Windstorm Insurance Association, insurance regulation, administrative penalties, coastal counties, catastrophe year

Bills: SB 1468, SB 1612, SB 1789, SB 2530, SB 2571, SB 2717, SB 2967

Keywords: utility systems, Texas A&M, regents authority, construction, improvement, construction contracts, trust funds, property rights, mechanics lien, contractors, trustee liability, mechanic's lien, liability, attorney's fees, windstorm insurance, Texas Windstorm Insurance Association, insurance regulation, administrative penalties, coastal counties, catastrophe year

Transcript Highlights:

• Basically, it is to help our insurance carriers, the workers' compensation insurance carriers based in
• Texas who issue policies out of state.
• If it's built in Texas, it goes to Texas.
• Fred Wilsh is in general counsel for the Texas Construction Association, testifying in favor of Senate
• My name is Jennifer Fagan, and I'm with the Texas Construction Association.

Bills: SB1468, SB1612, SB1789, SB2530, SB2571, SB2717, SB2967

Keywords: utility systems, Texas A&M, regents authority, construction, improvement, construction contracts, trust funds, property rights, mechanics lien, contractors, trustee liability, mechanic's lien, liability, attorney's fees, windstorm insurance, Texas Windstorm Insurance Association, insurance regulation, administrative penalties, coastal counties, catastrophe year

Transcript Highlights:

• High windstorm insurance costs make housing unaffordable, place financial pressures on small businesses
• I'm the Executive Director of the Insurance Council of Texas. We are testifying against the bill.
• in Texas, as well as windstorm coverage along the coast.
• Albert Betz from the Insurance Council of Texas is testifying against the bill for the very same reasons
• For the record, Ryan Brannon with the Coastal Windstorm Insurance Coalition.

Bills: SB1468, SB1612, SB1789, SB2530, SB2571, SB2717, SB2967

Keywords: utility systems, Texas A&M, regents authority, construction, improvement, construction contracts, trust funds, property rights, mechanics lien, contractors, trustee liability, mechanic's lien, liability, attorney's fees, windstorm insurance, Texas Windstorm Insurance Association, insurance regulation, administrative penalties, coastal counties, catastrophe year

Transcript Highlights:

• Currently, the Texas Windstorm Insurance Association policyholders can pay their premiums using premiums
• The Texas Fair Plan Association pays premium and maintenance taxes to the Texas Department of Insurance
• Texas Windstorm and the Texas Fair Plan Association.
• The bill seeks to expand eligibility for those to sit on the board of the Texas Windstorm Insurance Association
• Okay, we show you Jennifer Collie from the Texas Association of Life... ...and Health Insurers.

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:

• When I do polling on windstorm insurance...
• I represent the Insurance Council of Texas.
• David Durden, GM, Texas Wind and Storm Insurance Association. It is neutral for HB 3689.
• David Durden, General Manager, Texas Windstorm Insurance Association.
• coast about windstorm insurance, mismanagement of the Windstorm Insurance Association, and needed changes

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:

• We've worked with the Texas Association of Life and Health Insurers on the bill and the substitute in
• Jennifer Colley, Texas Association of Life and Health Insurers. Good morning.
• Jennifer Colley with the Texas Association of Life and Health Insurers, in support of the bill.
• The bill strengthens the Texas Windstorm Insurance Association, known as TWIA, to ensure fair and uniform
• Currently, the Texas Windstorm Insurance Association, or TWIA, ... the existing requirement of being

Bills: HB 106, HB144, HB145, HB252, HB1732, HB2221, HB2467, HB2468, HB2517, HB2518, HB2963, HB3016, HB3689, HB3960, HB4386, HB4490, HB4751, HB5247, HJR175, HB2213

Keywords: HB 106, oil and gas, Railroad Commission of Texas, overhead electrical lines, electrical distribution system, power line maintenance, administrative penalty, Natural Resources Code, oil and gas lease, well operator, energy safety, utility infrastructure, regulatory compliance, cleanup fund, oil and gas regulation and cleanup fund, production safety, leasehold operations, electric utility, distribution poles, inspection

Summary: The committee first handled pending business, including reconsidering SB 715 and then voting out several measures. The committee substitute for SB 1978 was reported favorably, and HB 431, HB 1522, HB 1922, HB 3228, HB 3229, HB 3803, HB 3804, HB 3805, HB 3806, HB 4219, HB 4238, HB 434, HB 1584, and HB 4739 were all reported favorably, many with objections sent to the local and uncontested calendar. HB 1522 and HB 4238 were adopted as committee substitutes before passage. The committee then moved into public testimony on HB 2963, a right-to-repair bill for consumer electronics. Supporters argued it would reduce waste, lower costs, and help independent repair shops by requiring manufacturers to provide parts, tools, and information on fair terms, while opponents said the bill was too broad and the automotive MOU exemption was problematic. The bill was left pending after testimony. The committee also heard HB 2467, which would align State Fire Marshal Office investigators’ pay with other commissioned peace officers at TDI; testimony was strongly supportive, emphasizing the office’s arson-investigation role, and the bill was left pending. HB 252, a bill allowing certain state agencies flexibility to pay Schedule A employees twice monthly, was laid out and left pending after limited testimony. HB 2468, dealing with public improvement district notice in real estate transactions, would let buyers terminate within seven days if required PID notice was not provided before contract execution; it drew no public testimony and was left pending. HB 4386, an annuity exchange and surrender process bill, was presented as a consumer-protection measure with deadlines and penalties for insurer delays; it received support from industry witnesses and was left pending. The committee then heard HB 4751, creating the Texas Quantum Initiative within the Governor’s Office to coordinate quantum research, workforce, industry partnerships, and possible future grant funding. Witnesses from universities and industry supported the bill, while several senators questioned whether a new state structure was necessary; the bill was left pending. HJR 175 proposed a constitutional amendment protecting Texans’ right to use mutually agreed forms of exchange, including cash, bullion, digital currency, or private script, and was discussed at length in the context of central bank digital currency and barter; it was left pending after testimony. HB 2221, updating insurance anti-rebating laws to allow wellness and value-added services, drew supportive testimony from the insurance industry and discussion about incentives versus monitoring; it was also left pending. Finally, the committee heard a series of utility wildfire and infrastructure bills: HB 106, requiring oil and gas operators to maintain certain electrical infrastructure near well sites; HB 144, requiring electric utilities to submit pole inspection and management plans to the PUC; and HB 145, requiring wildfire mitigation plans and allowing self-insurance under certain conditions. Utility, insurance, and cooperative witnesses generally supported the wildfire-related bills while asking for clarifications and less burdensome reporting, and the bills were left pending.

Transcript Highlights:

• We've worked with the Texas Association of Life and Health Insurers on the bill and the substitute in
• Jennifer Colley, Texas Association of Life and Health Insurers. Good morning.
• Jennifer Colley with the Texas Association of Life and Health Insurers in support of the bill.
• The bill strengthens the Texas Windstorm Insurance Association, known as TWIA, to ensure fair and uniform
• Currently, the Texas Windstorm Agency, that is TWIA, of course, and the Texas Fair Plan Association,

Bills: HB 106, HB144, HB145, HB252, HB1732, HB2221, HB2467, HB2468, HB2517, HB2518, HB2963, HB3016, HB3689, HB3960, HB4386, HB4490, HB4751, HB5247, HJR175, HB2213

Keywords: HB 106, oil and gas, Railroad Commission of Texas, overhead electrical lines, electrical distribution system, power line maintenance, administrative penalty, Natural Resources Code, oil and gas lease, well operator, energy safety, utility infrastructure, regulatory compliance, cleanup fund, oil and gas regulation and cleanup fund, production safety, leasehold operations, electric utility, distribution poles, inspection

Summary: The committee first handled pending business, including reconsidering a failed vote on SB 715 and then reporting several measures favorably. SB 1978 was reported from committee on a committee substitute, and a series of House bills — including HB 431, HB 1522, HB 1922, HB 3228, HB 3229, HB 3803, HB 3804, HB 3805, HB 3806, HB 4219, HB 4238, HB 434, HB 1584, and HB 4739 — were moved out of committee, most to the local and uncontested calendar. The votes on these items were overwhelmingly or unanimously in favor, with committee substitutes adopted where applicable. The committee then heard HB 2963, a right-to-repair bill for consumer electronics. The author said the bill would require manufacturers to provide parts, tools, and documentation on fair and reasonable terms while preserving trade secrets and excluding certain categories such as medical devices, motor vehicles covered by an MOU, critical infrastructure, and commercial-only transactions. Supporters from the Texas Public Policy Foundation and Environment Texas argued it would strengthen property rights, help small businesses, and reduce e-waste. Opponents, including representatives of SafeLight Auto Glass and LKQ, said they supported right-to-repair in principle but objected to the bill’s automotive MOU exemption and broader scope, warning it could create uncertainty and leave some manufacturers and repair shops outside the framework. The bill was left pending after testimony. Members also heard HB 2467 on salary parity for State Fire Marshal investigators, HB 252 on allowing some state agencies to pay certain employees twice monthly, HB 2468 on public improvement district notice and a buyer’s right to terminate, HB 4386 on annuity contract exchanges and surrender timelines, HB 4751 creating a Texas Quantum Initiative and related fund, and HJR 175 proposing a constitutional amendment protecting Texans’ ability to use mutually agreed-upon mediums of exchange, including cash, bullion, and digital currency. Testimony on HB 4751 was largely supportive but included questions about whether the state needs a new coordinating structure and funding mechanism for quantum research and commercialization. HJR 175 drew discussion about barter, taxes, and concerns over central bank digital currency. Each of these items was left pending after hearing testimony. The committee also heard HB 2221, which would update insurance anti-rebating laws to allow more wellness and value-added services in life and health insurance, with supporters saying it would encourage healthier behavior without requiring data monitoring. Finally, the committee took up a package of utility and wildfire-related bills from Chairman King’s portfolio: HB 106, requiring oil and gas operators to maintain certain overhead electrical lines; HB 144, requiring utilities to submit pole inspection and management plans to the PUC; and HB 145, requiring wildfire mitigation plans and allowing utilities to self-insure under certain conditions. Utility, co-op, and insurance representatives generally supported the safety and resiliency goals of HB 144, while asking for clarifications and less frequent reporting; HB 145 was introduced as a broader wildfire-risk and liability measure. These bills were also left pending after testimony.

Transcript Highlights:

• The Chair calls Jennifer Cauley, Texas Association of Life and Health Insurers.
• Teasdale Association of Mutual Insurance, and Zach Stevenson from Texas Electric Cooperatives.
• The bill strengthens the Texas Windstorm Insurance Association, known as TWIA, to ensure fair and uniform
• Currently, the Texas Windstorm Insurance Association, that is TWIA, of course, and the Texas Fair Plan
• Association (TFPA) pay premium and maintenance taxes to the Texas Department of Insurance.

Bills: HB106, HB144, HB145, HB252, HB1732, HB2221, HB2467, HB2468, HB2517, HB2518, HB2963, HB3016, HB3689, HB3960, HB4386, HB4490, HB4751, HB5247, HJR175, HB2213, HB106, HB144, HB145, HB252

Keywords: HB 106, oil and gas, Railroad Commission of Texas, overhead electrical lines, electrical distribution system, power line maintenance, administrative penalty, Natural Resources Code, oil and gas lease, well operator, energy safety, utility infrastructure, regulatory compliance, cleanup fund, oil and gas regulation and cleanup fund, production safety, leasehold operations, electric utility, distribution poles, inspection

Transcript Highlights:

• This is outlined in the Texas Insurance Code.
• The Texas Medical Association (TMA) and Texas Society for Pathologists (TSP) believe that if an entity
• Representative Morgan and the Texas Association of Public Insurance Adjusters for helping me craft this
• The Chair calls Chess Bostic, Texas Association of Public Insurance Advisors.
• I am with the Texas Association of Public Insurance Adjusters.

Bills: HB854, HB 1052, HB1642, HB2076, HB3042, HB3695, HB3787, HB4062, HB4092, SB213, SB493, SB896, HB5519, HB4635

Keywords: insurance, replacement cost, homeowner's policy, renter's policy, condominium insurance, property damage, claims process, telemedicine, teledentistry, telehealth, health benefit plan, insurance coverage, out-of-state services, anxiety, pain management, contraceptive devices, women's health, medical procedures, healthcare, laboratory

Transcript Highlights:

• Members, healthcare provider insurance credentialing is a process by which insurers validate the qualifications
• The Texas Department of Insurance requires an insurer to determine a provider's eligibility within 90
• Okay, I show registered Audrey Vanderwaal from the Texas Chiropractic Association.
• Interested is Corey Rose from the Texas Car Project Association.
• I'm here in support of House Bill 1642 on behalf of myself and the Texas Chiropractic Association.

Bills: HB854, HB 1052, HB1642, HB2076, HB3042, HB3695, HB3787, HB4062, HB4092, SB213, SB493, SB896, HB5519, HB4635

Keywords: insurance, replacement cost, homeowner's policy, renter's policy, condominium insurance, property damage, claims process, telemedicine, teledentistry, telehealth, health benefit plan, insurance coverage, out-of-state services, anxiety, pain management, contraceptive devices, women's health, medical procedures, healthcare, laboratory

Transcript Highlights:

• My name is Taylor Kilroy, executive director of the Texas Public Power Association.
• I represent Texas Appleseed.
• Last fall across North Texas, customers with homeowner's insurance from a particular insurer received
• First, it excluded— we wanted to make sure that the bill excludes all windstorm and hail insurance, all
• flood insurance, and personal umbrella insurance policies from the bill.

Bills: SB213, SB378, SB610, SB681, SB918, SB1172, SB1252, SB1343, SCR8

Keywords: SB 213, Texas insurance, Insurance Code, Chapter 551, Chapter 541, bundling, tying arrangement, cross-selling, homeowners insurance, residential property insurance, auto insurance, personal automobile insurance, consumer protection, unfair trade practice, deceptive insurance practice, property and casualty insurer, Lloyd's plan, county mutual, reciprocal exchange, farm mutual

Summary: The Senate Committee on Business and Commerce met with a quorum and took up several pending bills, first reporting SB 1006 favorably after adopting a committee substitute that adds quarterly ZIP-code-level reporting to TDI on insurer declinations, cancellations, and nonrenewals. The committee also adopted substitutes and favorably reported SB 388, which adds nuclear to a credit program and excludes batteries from the dispatchable definition; SB 917; SB 504, which narrows reporting requirements for certain local entities, raises a salary threshold, and authorizes AG injunctive relief; SB 925, which clarifies that federal match dollars are included in a PLA-related prohibition; and SB 815, which removes downcoding references and focuses on AI use in prior authorization. SB 815 advanced on an 8-2 vote, while SB 388 advanced 6-3 and the others were reported 9-0 or 6-0 as noted. The committee then heard testimony on SB 378, which would prohibit aestheticians and cosmetologists from administering injections or using prescriptive medical devices unless legally authorized and would clarify TDLR disciplinary authority. The author and a retired neurosurgeon testified that unsafe, unauthorized injections pose real patient risks, and a TDLR witness said the bill addresses a long-standing regulatory gap. SB 378 was left pending after testimony. The committee also heard SB 1252, aimed at reducing municipal permitting barriers for residential backup power systems; the author and industry witnesses said city permitting is costly and inconsistent, while municipal utility representatives and advocates said the substitute preserved safety and utility oversight. That bill was also left pending. Additional bills heard but left pending included SB 1172, which would let LPs and LLCs sell their own property without a real estate license; SB 681, which would extend engineer license renewal periods and apply similar flexibility to engineering firms; SB 918, a TDLR cleanup bill for orthotics and prosthetics exemptions; SB 1343, which would require data brokers to post a clear link explaining Texans’ privacy rights and how to exercise them; SB 213, which would prohibit forced bundling of residential property and auto insurance while preserving voluntary discounts; SB 610, which would codify TDLR’s anti-trafficking unit; and SCR 8, expressing opposition to a central bank digital currency over privacy, security, and financial-stability concerns. Public testimony on SB 1343 and SB 213 was generally supportive, with consumer and advocacy groups emphasizing privacy, competition, and survivor safety, and the committee closed the day with those measures and others left pending.

Transcript Highlights:

• Texas 400, and the Texas Physicians for Patients PAC.
• Gilroy, Executive Director of the Texas Public Power Association, testifying on Senate Bill 1250.
• First, it excluded, we wanted to make sure that the bill excludes all windstorm and hail insurance, all
• flood insurance and personal umbrella insurance policies from the bill.
• insurer or agent.

Bills: SB213, SB378, SB610, SB681, SB918, SB1172, SB1252, SB1343, SCR8

Keywords: SB 213, Texas insurance, Insurance Code, Chapter 551, Chapter 541, bundling, tying arrangement, cross-selling, homeowners insurance, residential property insurance, auto insurance, personal automobile insurance, consumer protection, unfair trade practice, deceptive insurance practice, property and casualty insurer, Lloyd's plan, county mutual, reciprocal exchange, farm mutual

Transcript Highlights:

• The nearest option is 267 miles away in Albany. and the closest in Texas is 345 miles away at Texas Tech
• Thank you for bringing the bill and thank you for your advocacy for West Texas, Southwest Texas.
• in the coming to Texas. This is.
• I grew up in Flower Mound, Texas.
• Let's just keep Texas, Texas, and with that, I close. OK, you drew a question, Representative.

Bills: HB232

Keywords: disaster recovery, natural disaster, weather disaster, emergency relief, flood relief, hurricane relief, storm damage, wildfire, tornado, hail, windstorm, extreme heat, ice storm, snowstorm, property damage, personal injury, temporary housing, relocation assistance, lost wages, state emergency management

Transcript Highlights:

• It's a strategic move for Texas.
• Uh, for higher education in Texas.
• Thank you for bringing the bill and, and thank you for your advocacy for West Texas, Southwest Texas,
• from Texas went to Los Angeles.
• , Texas, and with that I close.

Bills: HB232

Keywords: disaster recovery, natural disaster, weather disaster, emergency relief, flood relief, hurricane relief, storm damage, wildfire, tornado, hail, windstorm, extreme heat, ice storm, snowstorm, property damage, personal injury, temporary housing, relocation assistance, lost wages, state emergency management

Transcript Highlights:

• I'm Shannon Noble representing the Texas Counseling Association.
• Okay, Amanda Fifi. that she registered for the bill and she represented Texas Association of School Psychologists
• Texas is maxed, Texas A&M is maxed, Texas TIC.
• The Texas Association of Mexican-American Chambers of Commerce. Thank you so much. Please.
• Massy Villarreal, the immediate past chairman of the Texas Association of Business.

Bills: HB232

Keywords: disaster recovery, natural disaster, weather disaster, emergency relief, flood relief, hurricane relief, storm damage, wildfire, tornado, hail, windstorm, extreme heat, ice storm, snowstorm, property damage, personal injury, temporary housing, relocation assistance, lost wages, state emergency management

Transcript Highlights:

• First up is John Schnautz, Insurance... ...Council of Texas and Ware Wendell, Texas WATCH.
• Last session, Texas WATCH compiled data on the impact of auto appraisal for Texas insured.
• American Property Casualty, Chess Bostick, Texas Association of Public Insurance, and Wendell from Texas
• I am the president of the Texas Association of Public Insurance Adjusters. We call that TAPIA.
• Sure, Texas Association of Counties, Texas Association of School Boards, Texas Municipal League, there

Bills: SB458, SB819, SB1238, SB1642, SB1643, SB1644, SB1791, SB1810, SB1824, SB1825, SB758, SB1455, SB1706

Keywords: insurance appraisal, property insurance, auto insurance, homeowners insurance, residential property, disputed loss, loss valuation, appraisal clause, appraiser, umpire, Texas Department of Insurance, TDI, insurance dispute resolution, claims adjustment, total loss, windstorm insurance, FAIR Plan, surplus lines insurance, policyholder, insurer

Transcript Highlights:

• Our association represents insurance and financial professionals across the state who serve individuals
• Our association represents insurance and financial professionals across the state who serve individuals
• As an insurance professional, I can attest that serving on association boards and committees requires
• And then in your packets, you should have letters of support from the other three insurance associations
• <00:08:13.039> associations<00:08:14.319> that other three insurance associations that

Bills: HF357, HF3389, HF1434, HF2500, HF1606

Keywords: HF357, hasenpfeffer, card games, social skill game, Minnesota gambling law, tournament, contest, prize limit, low-stakes gaming, card game exemption, gambling exemption, cribbage, bridge, euchre, pinochle, Texas hold'em, whist, skat, sheepshead, gin

Transcript Highlights:

• The State of Texas does not require agencies to purchase insurance to protect critical assets, nor does
• It's really incredible what you will learn about the lack of insurance coverage in the state of Texas
• Maria Juras, we show you registered as Maria Juras testifying on behalf of the Texas Shrimp Association
• Good morning, my name is Maria Juras, and I'm the Executive Director for the Texas Shrimp Association
• Wendy Foster, IBAT, Independent Bankers Association of Texas.

Bills: HB1958, HB2031, HB2879, HB3285, HB3995, HB4487, HB4558, HB4560, HB4876, HB4899, HB5212, HB5317, HB5543, HB5567, SB1333

Keywords: firearm possession, tenant rights, landlord regulations, civil penalties, property code, justified use of force, deadly force, property rights, home defense, smart devices, data privacy, personal data collection, user consent, mobile application, data transparency, HOA, property owners association, property owners' association, Texas Property Code, Chapter 202