Transcript Highlights:

• We long-term homeowners with a deadline.
• We have the long-term homeowners and the 25%.
• </c> with during the long-term homeowners with during the long-term homeowners testimony.<00:26:06.880
• claims claims and<00:32:15.120><c> and</c><00:32:15.919><c> uh</c><00:32:17.120><c> Representative</
• g a quit In May 2019, a quit claim g a quit claim<02:06:36.560><c> deed</c><02:06:37.119><c> added</

Bills: HB0101, HB0062, HB0109

Keywords: guardianship, monitoring, ward protection, financial independence, case management, governmental claims, liability limits, inflation adjustment, public safety, local government insurance, property tax, tax exemption, homeowner, armed forces, residency requirement, 916, all

Transcript Highlights:

• claims would be.
• claims would be.
• to file a claim.
• Delayed claims hurt homeowners.
• One homeowner files a claim.

Bills: HF4881, HF4867, HF4422, HF4223

Keywords: healthcare, insurance, regulation, financial institutions, prescription drug affordability, consumer protection, restitution account, financial compensation, attorney general, distributions, property insurance, homeowners insurance, fire and allied lines, hail insurance, appraisal clause, loss adjustment, alternative dispute resolution, insurance claims, claim valuation, actual cash value

Transcript Highlights:

• That's whose claim Christian's claim is under. It's not under the state.
• claim side.
• of a claim.
• </c> um damage claim. um damage claim.
• </c> medical claims, something like that? medical claims, something like that?

Bills: HB0068, HB0062, HB0127, HB0109

Keywords: veterans, property tax exemption, disabled, service-connected disability, Wyoming, governmental claims, liability limits, inflation adjustment, public safety, local government insurance, HB0127, recreation mill levy, recreational facilities, public recreation, mill levy, property tax, local tax, county commissioners, school district levy, voter approval

Transcript Highlights:

• It gives a homeowner the ability to terminate that contract. So, with that, I yield for questions.
• service contracts for consumers and it also focuses on standardizing disclosures and practices so homeowners

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

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:

• Members, House Bill 3790 is the Homeowners Protection Act.
• within signing a contract after a severe storm, whether that's roofing, things like that, it gives a homeowner
• service contracts for consumers, and it also focuses on standardizing disclosures and practices so homeowners

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

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

Summary: The Business and Insurance Committee considered a long agenda of bills and executive nominations. Among the bills, it advanced measures to update fire extinguisher industry age restrictions and application rules (HB 381), create a five-day cancellation right for homeowners after severe storm-related contracts (HB 3790), require a biennial workers’ compensation medical fee schedule update (HJR 1023), create the Oklahoma Home Services Act to standardize home service contract disclosures (HB 4139, amended to correct a wording error), cap surcharge fees and add a career tech exemption (HB 3041), create the Oklahoma Tolling and Recovery Board (HB 3297), allow expired electrical contractor licenses to be reinstated without re-examination (HB 3673), clarify who is not a security guard for licensing purposes (HB 4105), create a licensing framework for in-ground pool contractors effective November 1, 2027 (HB 3338), and streamline surplus lines insurance procedures and premium tax enforcement (HB 3048). One bill on smokeless tobacco taxation (HB 3983) drew extended debate over whether a weight-based tax would be fairer and revenue-neutral; after questions about health impacts, reporting, fraud concerns, and inflation, the bill failed to receive a second and was left in committee. HB 3041 also drew significant debate over whether it would effectively allow higher credit card surcharges, but it ultimately passed 5-4. The committee also heard numerous executive nominations, all of which were approved and sent to the full Senate. Those included Michael Stop and Michael Bauer to the Oklahoma State Athletic Commission, Michael Cantrell and Burrell Sears to the Oklahoma Abstractors Board, Richard Willoughby to the State Board of Licensure for Professional Engineers and Land Surveyors, E. Keith Mitchell and Andrew Revelis to the ABLE Commission, Jackie Ward to the alarm, locksmith, and fire sprinkler industry board, Terence Shreve to the Used Motor Vehicle Dismantler and Manufacturer Board, and Adra Berry as Cabinet Secretary of Licensing and Regulation. Nominees generally described their professional backgrounds and commitment to public safety, regulation, or industry expertise, and several senators spoke in support of their service. Most nominations passed unanimously or near-unanimously.

Transcript Highlights:

• So it's like you said, it's not just the individual homeowners.
• I am an affected homeowner.
• By all means, MacAPA supports these homeowners.
• My hat goes out to the homeowners.
• Finding a solution to this problem is essential for homeowners.

Bills: S3091, H5477

Keywords: crumbling concrete, pyrite, pyrrhotite, homeowner assistance, financial relief, CEDAC, construction, insurance surcharge, foundation repair, Massachusetts

Summary: The Joint Committee on Financial Services held a public hearing on two late-file matters, centered on S. 3091, a bill to create relief for homeowners affected by the crumbling concrete/pyrrhotite crisis. Senator Peter Durant presented the bill as a way to establish a crumbling concrete assistance fund, administered by CEDAC, to help replace failing foundations and reimburse homeowners who already paid out of pocket. He said the proposal follows recommendations from a state commission and would be funded by a $6 fee on homeowner/condo insurance policies and a $6-per-cubic-yard surcharge on concrete, with the goal of spreading costs broadly rather than placing them on homeowners alone. Several affected homeowners testified about severe financial and emotional harm, including expensive foundation replacements, lost equity, inability to sell or refinance, and long delays in getting help. Homeowners Karen Riani, Michelle Iglesi, Karen Bellotti, and Russell Dupierre described living with homes that became unsellable or unaffordable to repair, and urged the committee to move the bill forward. Committee members asked about inspection practices, whether pyrrhotite can be detected during home sales, whether the bill would ban pyrrhotite, and how much funding the program would need. Witnesses said the problem is broader than originally understood, affecting at least 52 municipalities, and that the only fix is full foundation replacement. They also said the bill includes training and education for inspectors, but does not ban pyrrhotite outright because the issue is now being addressed through quarry testing and material controls. Representatives of the concrete industry, including Craig Dauphinay, Karen Marshall, and Guy Glottis, said they support homeowner relief and the creation of a fund, but strongly opposed the concrete surcharge. They argued the industry has already taken significant steps, including supporting state testing and regulation of aggregate sources, and said the surcharge would unfairly assign blame, raise costs for residential, municipal, and infrastructure projects, and create cross-border competitiveness issues with neighboring states. They favored a Connecticut-style model funded primarily through insurance assessments, noting that Connecticut’s program has been successful and that Massachusetts could adopt a similar approach. No vote was taken at the hearing.

Bills: HB435

Keywords: manufactured homes, certificate of title, Alabama Department of Revenue, homeowner, vehicle registration, 923, senate, all

Transcript Highlights:

• The impact on homeowners and communities is significant.
• I am an affected homeowner.
• By all means, MacCapa supports these homeowners.
• By all means, MacCapa supports these homeowners.
• Finding a solution to this problem is essential for homeowners.

Bills: S3091, H5477

Keywords: crumbling concrete, pyrite, pyrrhotite, homeowner assistance, financial relief, CEDAC, construction, insurance surcharge, foundation repair, Massachusetts, 1212, all

Transcript Highlights:

• We need to amend the budget resolution in order to account for the claims bill that is before us today
• </c> $73,000 to accommodate uh the claims $73,000 to accommodate uh the claims bill<00:01:12.640><c>
• This is the annual claims bill. The part about the exoneration claim is the biggest chunk of this.
• I think it was a day or two before the claims hearing last year.
• So, uh, we the claims hearing last year.

Bills: SF3446, HF3247

Keywords: claims against the state, settlement, appropriations, exoneration, corrections claims, claims, state appropriation, corrections, community service, 1183, house

Transcript Highlights:

• I'm a lawyer that handles insurance claims and works with insurance companies.
• Insurance demand to settle a bodily injury claim.
• The reason that it's necessary is because unlike first-party claims, as Mr.
• I'm a lawyer that handles insurance claims and works with insurance companies.
• The reason that it's necessary is because unlike first-party claims, as Mr.

Bills: SB1090, SB1293, SB1414, SB1429, SB1503, SB1536, SB1633, SB1724, SB1764

Keywords: savings and loan, technical correction, Arizona Revised Statutes, financial institutions, prohibitions, GPLET, abatement, tax incentives, local government, property improvement, central business district, insurance, settlement demands, time limits, third-party claims, regulatory compliance, initiative, referendum, ballot measures, petition circulators

Transcript Highlights:

• A lot of sensational claims about what HB 130 would do.

Bills: HB0130, HB0147

Keywords: Second Amendment, firearms, state rights, federal regulation, law enforcement, civil penalties, government liability, property tax, homeowner exemption, Wyoming, voter initiative, tax legislation, 916, all

Transcript Highlights:

• However, with that said, again, many homeowners associations have provisions.
• get them to reimburse me for loss of crops, right-of-way mowings. even as far as to pay an insurance claim
• Additionally, unlike a homeowner in a subdivision, we are not able to utilize the property within the

Bills: HB2013, HB4163, HB4810

Keywords: property owners associations, chickens, urban farming, land use, homeowner rights, agriculture, municipal regulation, governmental requirements, farm management, inspections, border control, trade, state funding, 1184, house, all

Transcript Highlights:

• does not see after litigation begins, including hurdles for homeowners trying to make claims against
• And so my opinion and take is that litigating claims on...
• I say is property valuation and that type of claims.
• My thought is if I submit a claim on my homeowners insurance and AI looks at it and says, 'Totally agree
• The provision limits insurers to a maximum of five years when looking back into claims for homeowners

Bills: HB3048, HB3259, HB3646, HB3696, HB3780, HB3781, HB3802, HB3818, HB4294, HB4488, HB2929

Keywords: insurance, nonadmitted insurers, surplus lines, insurance regulation, Oklahoma, health insurance, contracting entities, medical providers, enrollment, beneficiary rights, property and casualty, rates, filing, Insurance Commissioner, regulation, property, regulations, actuary, rate filing, independent review

Summary: The committee heard a series of insurance-related bills, with much of the discussion focused on homeowners insurance rates, transparency, and regulatory oversight. House Bill 3696, a proposed rate-approval style measure for homeowners insurance, drew extensive questioning about whether it would actually lower premiums, its comparison to Texas, the role of the Insurance Department and Attorney General, and possible effects on carriers and agents. The author said the bill was intended to increase transparency and consumer protections, acknowledged it was a work in progress, and agreed to strike the title and keep working with the committee. The bill ultimately passed the committee on a recorded vote. The committee also advanced House Bill 3259, which would prohibit certain health care contract clauses such as all-or-nothing, anti-steering, gag, and most-favored-nation provisions; House Bill 4294, a follow-up to Dylan’s Law dealing with epilepsy-related insurance coverage and neurostimulator devices; and House Bill 4488, which would let the Insurance Commissioner appoint an impartial umpire when a body shop and insurer cannot agree on a loss value. House Bill 3646, a broad and still-developing insurance bill involving rate review, litigation, venue, AI use, and Attorney General involvement, generated substantial concern from members about workability, litigation, and agent exposure. Its author said it was not final, but the committee voted it down. Later, the committee passed House Bill 3048, a cleanup measure for surplus lines licensing laws; House Bill 3780, requiring an independent actuary review as a transparency measure; House Bill 3781, changing the timing from use-and-file to file-and-use with a 60-day review period while the author said he did not want rate approval; House Bill 3802, delaying rate adjustments after a spouse’s death until renewal; House Bill 3818, creating a home and auto savings account framework intended to help policyholders raise deductibles and lower premiums; and House Bill 2929, which limits how far back insurers may look at homeowners and auto claims for underwriting purposes. Most of these bills passed with little or no opposition after brief questioning.

Transcript Highlights:

• Sections 610, 611, and 612 outline the claims resolution process, including the authorization of court
• Section 614 outlines the distribution waterfall, and the remaining sections, 615 through 622, discuss claims
• This adjuster license is valid and renewable only while the licensee adjusts claims as a salaried employee
• Don Isaacson, welcome. without taking the examination to only adjust claims as a salaried employee of
• with a circumstance that has developed with respect to Arizona company-based adjusters who adjust claims

Bills: SB1181, SB1252, SB1254, SB1415

Keywords: certified public accountants, CPA certification, accounting regulations, professional standards, continuing education, assignment for benefit of creditors, ABC act, insolvency, creditor claims, debt liquidation, business wind-up, receivership, liquidation, secured creditors, unsecured creditors, proof of claim, voidable transactions, fraudulent transfer, wage claims, priority claims

Transcript Highlights:

• being able to make claims against their carriers.
• what it says property valuation and that type of claims.
• ..over claims paid and valuations and all that.
• My thought is if I submit a claim on my homeowners insurance and AI looks at it and says, “Totally agree
• insurance: the provision ensures a maximum of five years when looking back into claims for homeowners

Bills: HB3048, HB3259, HB3646, HB3696, HB3780, HB3781, HB3802, HB3818, HB4294, HB4488, HB2929

Keywords: insurance, nonadmitted insurers, surplus lines, insurance regulation, Oklahoma, health insurance, contracting entities, medical providers, enrollment, beneficiary rights, property and casualty, rates, filing, Insurance Commissioner, regulation, property, regulations, actuary, rate filing, independent review

Transcript Highlights:

• Members, House Bill 3647 is an all-payer claims database.
• This would require participating members to share claims and payment data through the state HiE So that
• This just extends the tort claims protection.
• They have tort claims protection. The Questions. Are there any questions?

Bills: HB4423, HB3342, HB3645, HB3647, HB3887, HB4430, HB4431, HB2964, HB3834

Keywords: Oklahoma Health Care Authority, Medicaid, immigration verification, healthcare access, federal reporting, health care providers, auditing, patient rights, claims, protection from fraud, audit process, error correction, hospice care, physician determination, healthcare standards, symptom management, health information exchange, all-payer claims database, health care transparency, health care costs

Transcript Highlights:

• Members, House Bill 3647 is an all-payer claims database.
• This would require participating members to share claims and payment data through the state HIE so that
• This just extends the tort claims protection.
• If they're working for a state agency, they have tort claims protection. Yield for questions.

Bills: HB4423, HB3342, HB3645, HB3647, HB3887, HB4430, HB4431, HB2964, HB3834

Keywords: Oklahoma Health Care Authority, Medicaid, immigration verification, healthcare access, federal reporting, health care providers, auditing, patient rights, claims, protection from fraud, audit process, error correction, hospice care, physician determination, healthcare standards, symptom management, health information exchange, all-payer claims database, health care transparency, health care costs

Summary: The committee first announced several bills would be laid over because sponsors were absent, then took up House Bill 4423, which would require Medicaid applicants to be legal U.S. citizens. After adopting a PCS, members asked whether Medicaid already had citizenship limits, and the bill passed 4-1. House Bill 3342 followed, revising the Health Care Authority audit process; the sponsor said it was based on an Arkansas model, had no fiscal impact, and was intended to be fairer after prior problems. It passed 5-0. House Bill 3645, allowing physicians or other independent doctors to authorize hospice referral when a patient lacks next of kin or is not coherent, also passed 5-0. House Bill 3647, creating an all-payer claims database through the state HIE for greater transparency in medical costs, passed 5-0 after a question about which entities would be included or excluded. House Bill 3887, which removes the requirement for a physician referral every 30 days for continued physical therapy, drew the most discussion. The sponsor said therapists would refer patients back to a physician if treatment was not helping or was outside their scope, while a member raised concerns about delayed diagnosis and suggested adding a timeline; the sponsor said he would be open to further discussion. The bill passed 4-1. House Bill 4430 extended tort claims protection to certain state-employed providers who work for entities such as FQHCs, and House Bill 4431 did the same for nurse practitioners working for state agencies; both passed 5-0. Later, House Bill 2964 changed medical-record copying language from “shall be charged” to “may be charged,” giving facilities discretion on whether to charge patients for copies of their records; it passed 5-0. Finally, House Bill 3834 was heard for research funding on ibogaine therapy for PTSD and related conditions among veterans, firefighters, and police officers. The sponsor said the goal was to allow Oklahoma research, not to remove the substance from controlled status, and a witness described the treatment as a monitored oral session used in Mexico and supported by some studies. The bill passed 5-0, and the chair adjourned the meeting, noting the laid-over bills would likely be heard the following week.

Transcript Highlights:

• It focuses on standardizing disclosure practices so homeowners better understand what they're getting
• law and then a jury comes back and says no, the insurance company does not have to pay 100% of the claim
• This bill is designed to give homeowners a five-day cooling-off period to get out of a contract when
• So that limits what we're really talking about is a tort claim. You're recognized. Thank you, Mr.
• But I think again, it's just about tort claims. So it's a liability kind of question. They're not.

Bills: HB3790, HB2941, HB2959, HB3087, HB3974, HB3500, HB3697, HB3262, HB3582, HB4226, HB3037, HB4139, HB4143, HB4144, HB2936, HB3322, HB4296, HB3278, HB4202, HB4176, HB3303, HB3648, HB4119

Keywords: home repairs, consumer protection, contracts, homeowner rights, rescission, fentanyl, overdose, first responders, drug reporting, immunity, controlled substances, penalties, school abuse reporting, child abuse, neglect, mandatory reporting, student safety, school employee misconduct, administrator reporting, superintendent

Bills: SB 711, SB 746, SB 942, SB 1403, SB 1404, SB 1448, SB 1536, SB 1559

Keywords: property owners' association, condominium, management company, homeowner rights, architectural review, child support, family law, Title IV-D agency, administrative adjustment, enforcement, legal representation, probate, decedents' estates, inheritance, community property, court procedures, electronic filing, guardianship, training, Alzheimer's disease

Bills: SB 711, SB 746, SB 942, SB 1403, SB 1404, SB 1448, SB 1536, SB 1559

Keywords: property owners' association, condominium, management company, homeowner rights, architectural review, child support, family law, Title IV-D agency, administrative adjustment, enforcement, legal representation, probate, decedents' estates, inheritance, community property, court procedures, electronic filing, guardianship, training, Alzheimer's disease