Transcript Highlights:

• We may not be physically seen, but we hear every scream, every plea, every moment of loss.

Bills: S0774 , S7028 , S7024 , S7026

Committee: Senate Governmental Oversight and Accountability

Keywords: mental health, first responders, employment benefits, 911 telecommunicators, nervous injuries, retirement, elected officials, Deferred Retirement Option Program, DROP, cost-of-living adjustment, trade secret, public records exemption, public meetings exemption, open government, sunset review, agency confidentiality, proprietary business information, proprietary confidential business information, confidential records, Florida public records law

Summary: The Committee on Governmental Oversight and Accountability met and first heard Senate Bill 774, which would extend workers’ compensation coverage for mental or nervous injuries, without a physical injury, to 911 public safety telecommunicators. The bill sponsor and multiple dispatchers, counselors, and association representatives testified in support, describing repeated exposure to traumatic calls, staffing shortages, and the need for mental health treatment and retention support. Senators praised dispatchers’ work and emphasized that they are first responders in practice. SB 774 was reported favorably by roll call vote, with one senator later recording an affirmative vote on the bill. The committee then considered SPB 7028, a retirement bill setting Florida Retirement System employer contribution rates beginning July 1, 2026, without changing the 3% employee contribution rate. It also allows certain elected officers to receive a DROP payout under specified conditions and provides an alternative cost-of-living adjustment for special risk retirees meeting service requirements. Firefighters, police, and sheriffs’ association representatives supported the measure as a recruitment and retention tool. The committee voted to submit SPB 7028 as a committee bill and reported it favorably. Finally, the committee took up SPB 7024 and SPB 7026, both government records exemption bills. SPB 7024 repeals the current public records/public meeting exemption for cybersecurity information and consolidates agency-specific cybersecurity exemptions into one agency-wide exemption. SPB 7026 does the same for trade secret records held by agencies. Neither bill drew questions or testimony, and both were submitted as committee bills and reported favorably. The meeting then adjourned.

Transcript Highlights:

• </c><00:19:27.760><c> event</c> deductible after a catastrophic event deductible after a catastrophic
• </c> is the medical loss ratio of 85%. is the medical loss ratio of 85%.
• </c> collective loss is $68,000. collective loss is $68,000.
• </c> losses will be $5 million. losses will be $5 million.
• </c> loss ratio is not new to the system. loss ratio is not new to the system.

Bills: SB170 , SB177 , SB207 , SB208 , SB215 , HB27 , SB219 , SB247 , SB232 , SB81 , SB170 , SB177 , SB207 , SB208 , SB215 , HB27 , SB219 , SB247 , SB232 , SB81

Committee: Senate Banking and Insurance

Keywords: health insurance, health savings account, high deductible plans, federal regulations, cost-sharing, insurance law, breast cancer, health coverage, deductible, copayment, insurance, captive insurance, captive insurer, captive insurers, insurance regulation, Alabama Department of Insurance, insurance commissioner, premium tax, capital requirements, surplus requirements

Bills: HB5658 , HB1849 , HB2433 , HJR142 , HB4090

Keywords: universal child care, early learning, affordable child care, school readiness, child development, community involvement, mental health, socioeconomic diversity, disaster mitigation, tax exclusion, state programs, catastrophe loss, property insurance, windstorm, earthquake, wildfire, Medicare, healthcare, authorization, medical necessity

Bills: SB45 , SB73 , SB169 , HB243 , SB177

Committee: House Fiscal Responsibility

Keywords: athlete agents, commission, state regulation, Alabama, higher education, athletics, membership diversity, catastrophe savings account, catastrophe fund, storm savings, disaster savings, hurricane, windstorm, floodwaters, hail, tornado, property insurance, homeowners insurance, insurance deductible, FORTIFIED

Bills: SB197 , HB140 , SB214 , HB214 , HB147 , HB270 , SB73

Committee: House Fiscal Responsibility

Keywords: business regulation, nonprofit entities, electronic filing, merger agreements, limited liability companies, partnerships, property transfer, termination fees, HB140, private sewer systems, wastewater utilities, Public Service Commission, PSC jurisdiction, utility regulation, rate setting, rate consolidation, affiliated systems, common ownership, private utilities, sewer rates

Transcript Highlights:

• there and a lot of people are injured, and also in an individual case where there's just a single catastrophic
• And also in an individual case where there's just a single catastrophic incident where somebody has to

Bills: S0014 , S0016 , S0024 , S0052 , S0308 , S0504 , S0506 , S0564 , S0572 , S0590 , S0594 , S0806 , S1396 , S7020 , S7024 , S7026

Committee: Senate Rules

Keywords: negligence, settlement, police conduct, municipal liability, personal injury, compensation, injuries, Miami-Dade County, places of worship, house of worship, church, mosque, synagogue, religious security, armed security, volunteer security, private security, security guard licensing, licensure exemption, Florida Statutes chapter 493

Transcript Highlights:

• What this does, it deals with catastrophic savings accounts.
• What this does, it deals with catastrophic savings accounts.
• What this does, it deals with catastrophic savings accounts.

Bills: SB19 , HB40 , HB27 , HB40 , HB27 , HB40 , HB27

Committee: House Insurance

Keywords: contraceptive rights, healthcare access, civil action, Attorney General, contraception enforcement, prostate cancer, health insurance, screening, high risk, cost-sharing, African American men, savings accounts, catastrophe, emergency funds, financial security, state laws, criminal justice, parole, Board of Pardons and Paroles, risk assessment

Transcript Highlights:

• You're going to see, I think, very soon, a loss of revenue coming to the state.

Bills: HB2933 , HB3041 , HB3048 , HB3081 , HB3297 , HB3338 , HB3673 , HB3790 , HB3983 , HB4105 , HB4139 , HB4203 , HJR1023

Committee: Senate Business and Insurance

Keywords: insurance regulation, homeowner claims, premium discounts, catastrophe mitigation, civil penalties, credit card transactions, payment methods, service charge, consumer rights, financial regulation, insurance, nonadmitted insurers, surplus lines, Oklahoma, fire extinguisher, licensing, public safety, age qualification, State Fire Marshal, towing services

Transcript Highlights:

• He has over a decade of experience spanning construction project management, catastrophe daily claims

Bills: HB4322 , HB4202 , HB4203 , HB4457 , HB3983 , HB3660 , HB3802 , HB2933 , HB2955 , HB2956 , HB3781 , HB3521 , HB3794 , HB3796 , HB3800

Committee: Senate Business and Insurance

Keywords: funeral services licensing, funeral director, embalmer, funeral director in charge, dual licensure, mortuary science, Oklahoma Funeral Board, funeral establishment, commercial embalming establishment, crematory, cremation, alkaline hydrolysis, apprenticeship, licensing requirements, professional regulation, undertaker, mortician, burial services, death care industry, workers' compensation

Bills: SB76 , SB35 , SB116 , SB119 , SB118 , SB129 , SB32 , SB31 , SB115 , SB75 , HB27 , HB40

Committee: Senate Judiciary

Keywords: jury duty, nursing mothers, exemption, legal rights, parental responsibilities, sexual extortion, criminal law, felony, threat, blackmail, SB116, machine gun conversion devices, switches, pistol conversion device, auto sear, firearm accessories, machine gun, automatic weapon, semiautomatic pistol, gun control

Transcript Highlights:

• This is the bill prohibiting an assignment agreement whereby any post-loss insurance benefit is transferred
• This is the bill prohibiting an assignment agreement, whereby any post-loss insurance benefit is transferred

Bills: SB6178 , SB5831

Committee: House Consumer Protection & Business

Keywords: SB6178, property insurance, insurance claims, assignment of benefits, AOB, post-loss assignment, post-loss benefits, homeowners insurance, policyholder, insured, restoration contractor, mitigation contractor, public adjuster, insurance commissioner, claims handling, consumer protection, void and unenforceable, Washington insurance code, chapter 48 RCW, civil penalty

Transcript Highlights:

• value derived from a model used for the purpose of predicting a property's future wildfire-related loss
• And the losses on these ATMs are particularly high.
• The median reported loss using a crypto ATM was about $10,000.
• The median reported loss using a crypto ATM was about $10,000 in 2024.
• Would that be a helpful thing for customers to limit their losses?

Bills: SB6178 , SB5831

Committee: House Consumer Protection & Business

Keywords: SB6178, property insurance, insurance claims, assignment of benefits, AOB, post-loss assignment, post-loss benefits, homeowners insurance, policyholder, insured, restoration contractor, mitigation contractor, public adjuster, insurance commissioner, claims handling, consumer protection, void and unenforceable, Washington insurance code, chapter 48 RCW, civil penalty

Transcript Highlights:

• Substitute Senate Bill 6091 and open the public hearing on Senate Bill 6178, prohibiting the post-loss
• And these are what's called post-loss assignment of benefits.
• that many homeowners want to do if they want to be providing those direct payments in the event of a loss
• One would be both scenarios there's a covered loss, the insured contacts a contractor.
• The purpose must service years of accumulated losses in acquisition debt.

Bills: SB5831 , SB6178

Committee: House Consumer Protection & Business

Keywords: mortgage modification, uniform regulations, homeowners, financial stability, foreclosure prevention, SB6178, property insurance, insurance claims, assignment of benefits, AOB, post-loss assignment, post-loss benefits, homeowners insurance, policyholder, insured, restoration contractor, mitigation contractor, public adjuster, insurance commissioner, claims handling

Transcript Highlights:

• bill aims to provide a less expensive, more efficient alternative to litigation. ...the amount of loss
• Property damage and property loss, because in appraisal, all they're deciding is what is the amount of
• the loss, not coverage questions.
• The average difference on total loss claims was $3,800.
• Total loss claims showed an average increase of $3,900.

Bills: HB345 , HB721 , HB2580 , SB815 , HB3057 , HB4603 , HB3233 , SB495 , HB3863 , HB3914 , HB4570 , HB5099 , HB5173 , SB458

Committee: House Insurance

Keywords: insurance, appraisal process, disputed losses, residential property, policyholder rights, insurer obligations, natural disasters, appraisal expenses, umpire selection, policyholder, insurer, umpire, claims management, health care, cost disclosure, benefit plan, administrators, traumatic brain injury, health benefit plans, insurance coverage

Transcript Highlights:

• providers from passing these fees to clients, forcing mental health professionals to absorb financial losses

Bills: HB345 , HB721 , HB2580 , SB815 , HB3057 , HB4603 , HB3233 , SB495 , HB3863 , HB3914 , HB4570 , HB5099 , HB5173 , SB458

Committee: House Insurance

Keywords: insurance, appraisal process, disputed losses, residential property, policyholder rights, insurer obligations, natural disasters, appraisal expenses, umpire selection, policyholder, insurer, umpire, claims management, health care, cost disclosure, benefit plan, administrators, traumatic brain injury, health benefit plans, insurance coverage

Transcript Highlights:

• This can happen right after a really devastating loss, where the homeowner is in a moment where they're
• But one I just wanted to describe to you is that there was a consumer that had a water loss.
• The insurance company denied, ultimately denied the loss.
• Okay, and it does result in a permanent loss of control over the insurance claim, and that has caused
• After a house fire or some other major loss, damage to the house, a contractor will come and say, hey

Bills: SB5831 , SB6031 , SB6178 , SB5928 , SB5919

Committee: Senate Business, Trade & Economic Development

Keywords: mortgage modification, uniform regulations, homeowners, financial stability, foreclosure prevention, public safety, insurance fraud, law enforcement, crime prevention, penalties, SB6178, property insurance, insurance claims, assignment of benefits, AOB, post-loss assignment, post-loss benefits, homeowners insurance, policyholder, insured

Transcript Highlights:

• My phone has been ringing off the hook with people telling me stories about their loss and how crimes
• affected... about their loss and how crimes affected them and how afraid they are that every day they

Bills: HB43 , SB81 , SB178 , SB138 , SB89 , SB183 , HB27 , HB188 , HB199 , HB190 , SB117 , HB43 , HB27

Committee: Senate Judiciary

Keywords: criminal procedure, split sentencing, probation, Class A felony, Class B felony, minimum confinement, custodial sexual misconduct, sexual misconduct, inmate abuse, prisoner exploitation, correctional staff, jail staff, detention center, probation officer, parole officer, Department of Corrections, Department of Youth Services, sheriff, county jail, municipal jail

Bills: SB297 , HB562

Committee: House State Government

Keywords: water resources, division chief, state governance, Alabama law, exempt service, State Auditor, property investigations, loss and theft, state property, property inventory control

Transcript Highlights:

• Swift restitution doesn't heal that loss, but it is the right thing to do.
• And we have a net loss from January of 2025 to 2026 of seven fewer rangers now in the field with the
• Now, does this bill impact small independent stores in small towns that may close due to the loss of
• By way of background, an injured worker under the Workers’ Compensation Act may receive time loss and
• When a Washington worker is injured, their families face a substantial and unavoidable loss of income

Bills: SB5379 , SB6106 , SB6147 , SB6180 , SB5927 , SB6287

Committee: Senate Labor & Commerce

Keywords: interest arbitration, parks and recreation, public employees, labor relations, employee rights, laid-off employees act, WARN notice, mass layoff, business closure, plant closing, worker adjustment and retraining notification, employment security department, employee notice, layoff notice, worker protections, job loss, employment loss, public records exemption, privacy, employee names and addresses

Bills: HB348 , HB106 , HB347 , HB54 , SB118 , SB167 , SB195 , HB260 , HB263 , HB328 , HB348 , HB106 , HB347 , HB54 , SB118 , SB167 , SB195 , HB260 , HB263 , HB328

Committee: Senate Judiciary

Keywords: bail reform, illegal aliens, violent offenses, pretrial detention, flight risk, court hearings, doxing, personal identifying information, harassment, online safety, law enforcement, public servants, penalties, consumer protection, illicit material, private rights, digital privacy, nonconsensual distribution, incarceration, pregnancy