Video & Transcript Research : 'large wildfire risk'
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TX
Transcript Highlights:
- Volunteer fire departments respond to these situations and establish a wildfire risk study that will
- wildfires.
- This described Texas's increasing wildfire risk.
- of wildfires.
- Of those risks and policy mitigations to mitigate those risks.
Keywords:
wildfire, wildfire mitigation, wildfire prevention, volunteer fire department, Texas A&M Forest Service, West Texas A&M University, prescribed burning, fuel loading, fuel reduction, firefighting equipment database, emergency communications, disaster preparedness, rural fire protection, asset hardening, natural resource management, emergency management, large wildfire risk, fire grant funding, fire suppression, Texas Legislature
HI
Transcript Highlights:
- When asked about the wildfires, the witness said they were in late August 2023.
- with the line of wildfire. with the line of wildfire. >> Really? >> Really?
- ,<00:35:00.800>
and going beyond the knowing wildfires, and going beyond the knowing wildfires - risk to Lahaina and surrounding communities.
- risk to the high-net surrounding communities.
Bills:
SCR180
Keywords:
wildfire, fire hazard, Lahaina, West Maui, Maui wildfire, vegetation management, fuel reduction, defensible space, fuel breaks, invasive grasses, emergency access, evacuation route, fire lane, state lands, public safety, Office of the State Fire Marshal, community risk reduction, hazard mitigation, brush clearance, wildland-urban interface
Summary:
The committee opened by noting it was likely its last hearing of the 2026 session, then took up several resolutions. SCR 54, on appointing a hydrogen fire safety expert and training on hydrogen-related protocols, and SCR 59, on allowing certain health care professionals to practice without a license during a state of emergency, drew no testimony. Members discussed SCR 59 as a response to past emergencies and the need for pre-approved, updated registries of professionals who could be deployed quickly in emergencies.
SCR 62 SD1, which asks the 911 Board to form a working group with the disability community to address access issues in emergency and 911 responses, received testimony from disability advocates and the 911 Board. Testifiers said the measure should ensure an integrated system with EMS infrastructure, real-time access for dispatchers and field personnel, and public education about the system; they also noted that Smart911 is no longer being used on Oahu and Maui and that a statewide, integrated approach is needed. Members agreed to work the suggested language into the resolution. SCR 179, urging Maui County to enforce fire code provisions on brush clearance, fuel breaks, roadside vegetation clearing, and emergency access, was noted as having no testimony but continuing to raise important issues.
SCR 74, calling for an audit of no-bid contracts issued under emergency proclamations from 2020 through 2025, drew strong support from a late testifier who tied the measure to emergency procurement concerns after the Lahaina wildfire and COVID-era contracting. The witness argued that procurement rules should not be waived in ways that compromise safety, and described concerns about unlicensed contractors and construction problems in a state housing project. Members asked about the scope of the audit and whether it would interfere with criminal investigations; the witness said the audit should cover a broad range of contracts, including nonprofit contracts, and should not be limited to the wildfire period. The committee also heard SCR 28 SD1 on creating a Hawaii Vietnam Veterans Medal, with support from the Department of Defense and veterans advocates, who said the resolution is intended to do the groundwork for a future appropriation and to determine eligibility and distribution procedures.
Finally, SCR 60 SD1, requesting updates on the “Breaking Cycles” rehabilitation and restorative justice study, received support from the Department of Corrections and Rehabilitation, the Correctional System Oversight Commission, and reform advocates. The department asked that reporting be annual rather than quarterly because of the complexity of the OCCC project, and supporters said the measure would promote transparency and help ensure the study’s recommendations are implemented. No votes were taken in the portion of the hearing provided.
HI
Transcript Highlights:
- Working shoulder to shoulder with police, fire, and EMS, they are highly trained, assume personal risk
- :03.720>
health numerous of violations and and health numerous of violations and and health risk - that is happening over there at risk that is happening over there at Pohakuloa?
- PM 2025-425 relating to the plantation camp district wildfire and wildland urban interface and other
- and wildland urban interface wildfire and wildland urban interface and<00:28:41.000>
other <00
Keywords:
lifeguards, first responders, public safety, ocean safety, emergency response, community wellbeing, Pohakuloa, condemnation, federal government, land sovereignty, Hawaii, native Hawaiians, public trust land, invasive species, octocoral, Pearl Harbor, environment, Navy responsibility, marine ecosystem, ecosystem preservation
Summary:
The committee first heard SCR 56 and SR 54, which recognize open water lifeguards as first responders and acknowledge their role in emergency response and public safety. Testifiers from the Hawaiian Lifeguard Association, Hawaii Water Safety Coalition, Honolulu and Kauai Ocean Safety, and a junior guard all strongly supported the resolutions, describing lifeguards as often first on scene for drownings, cardiac arrest, spinal injuries, flooding rescues, and other emergencies. Several speakers said formal recognition would better reflect the work lifeguards already do and could improve training, support services, pay equity, and access to benefits such as retirement and trauma resources. Members asked about what legal or administrative changes would follow, and the discussion suggested the resolutions were a first step toward broader recognition and related policy changes.
The committee then took up SCR 25 and SR 22, opposing federal condemnation or threats of condemnation to take control of Pohakuloa and other state land. The Office of Hawaiian Affairs supported the resolutions, saying Pohakuloa has deep historical, cultural, genealogical, and ecological significance and that any future decisions should go through existing state legal processes with meaningful consultation with Native Hawaiians. Members discussed the role of the governor’s advisory process, the need to follow DLNR/BLNR procedures, and concerns about environmental and health violations at the site. The committee also noted 14 written testimonies in support.
Next, the committee heard SCR 79 and SR 81, urging the U.S. Navy to take responsibility for eradicating octocoral and other invasive species in Pearl Harbor waters, including West, Middle, and East Loch. DLNR supported the resolutions, and testimony focused on the spread of invasive coral, the difficulty of eradication, and the limited access state agencies have inside Pearl Harbor. Members raised concerns about contamination, responsibility for the problem, and whether the Navy should fund or carry out the cleanup; DLNR said it could not speak to broader contamination issues but supported the resolution as a way to encourage action. The committee then began discussion of SCR 179 and SR 174, which urge Maui County to enforce fire code provisions on brush clearance, fuel breaks, roadside vegetation clearing, and emergency access, with written support noted from Aloha Independent Living Hawaii.
AZ
Arizona 2026 Regular Session
02/16/2026 - House Land, Agriculture & Rural Affairs
Land, Agriculture & Rural Affairs
Transcript Highlights:
- Mitigation and Risk Reduction Authority and the Wildfire Mitigation and Risk Reduction Fund. ...changes
- the name of the authority to the Wildfire Mitigation and Risk Reduction Authority and the Wildfire Mitigation
- Wildfire risk is part of daily life.
- This bill seeks to create a similar program in Arizona, the Wildfire Mitigation and Risk Reduction Authority
- This bill creates a dedicated, accountable funding stream to proactively reduce wildfire risk, strengthen
Keywords:
air pollution, wildfires, environmental standards, public health, Arizona Revised Statutes, wildfire, wildfire mitigation, wildfire prevention, forest fire, brush removal, defensible space, community hardening, vegetation management, fire-resistant construction, wildland urban interface, WUI, insurance premium tax, property insurance, homeowners insurance, commercial property insurance
Summary:
The committee heard three measures. HB 2013 would require the Arizona Department of Environmental Quality to submit an exceptional event demonstration to the EPA when wildfires on federally managed land affect Arizona air quality. Sponsor Rep. Lisa Fink said the bill is intended to prevent Arizona from being penalized for wildfire-driven air quality problems and could help reduce regulatory burdens. Sierra Club opposed the bill, arguing the existing exceptional-event process already requires case-by-case analysis, that automatic filings could be unnecessary or ineffective, and that the bill lacked an appropriation. ADEQ testified neutral. The committee approved HB 2013 on a 5-1 vote.
HB 2292 would create the Wildfire Prevention Authority and Fund under the Arizona Department of Forestry and Fire Management; a committee amendment renamed it the Wildfire Mitigation and Risk Reduction Authority and Fund, capped administrative expenses at 8%, and prioritized funding for single-family and multi-family dwellings. Supporters, including Coconino County Vice Chair Geronimo Vasquez and the County Supervisors Association, said the bill would provide a coordinated, data-driven wildfire mitigation program funded by a $20 million annual diversion from insurance premium tax revenues, helping reduce wildfire damage and stabilize insurance costs. Members discussed the funding source as an existing tax diversion rather than a new tax. The committee adopted the amendment and then passed HB 2292 as amended on an 8-0 vote.
HCM 2011 urges Congress to pass federal legislation to delist the Mexican wolf, defund the reintroduction program, and transfer management to local authorities. The sponsor said the memorial responds to ranching impacts from wolf predation and supports federal action already moving in Congress. Sierra Club opposed the memorial, saying the species remains insufficiently recovered and that delisting would be premature. After debate, including comments both supporting and opposing delisting, the committee approved HCM 2011 on a 5-2 vote and then adjourned.
TX
Texas 89th Regular
Senate Committee on Water, Agriculture, and Rural Affairs Mar 31st, 2025
Water, Agriculture and Rural Affairs
Transcript Highlights:
- That included two key findings regarding our state's wildfire risks.
- Findings point towards increasing wildfire risk for the state, which makes Senate Bill 34 so important
- of wildfire damage.
- Equipment in the face of growing wildfire risks.
- Take a large animal as an example.
Bills:
SB34, SB119, SB261, SB532, SB1035, SB1245, SB1247, SB1267, SB1442, SB1930, SB1948, SB2078, SB2112, SB2143, SB2155
Keywords:
wildfire, wildfire mitigation, wildfire prevention, volunteer fire department, Texas A&M Forest Service, West Texas A&M University, prescribed burning, fuel loading, fuel reduction, firefighting equipment database, emergency communications, disaster preparedness, rural fire protection, asset hardening, natural resource management, emergency management, large wildfire risk, fire grant funding, fire suppression, Texas Legislature
US
US Federal 2025-2026 Regular Session
Hearings to examine options to reduce catastrophic wildfire, including H.R.471, to expedite under the National Environmental Policy Act of 1969 and improve forest management activities on National Forest System lands, on public lands under the jurisd Mar 6th, 2025 at 10:00 am
Conservation, Climate, Forestry, and Natural Resources Subcommittee
Transcript Highlights:
- If done thoughtfully, reducing wildfire risk through active management is an important goal.
- I would like to see a focus on those facing wildfire risk.
- Many of my colleagues here today represent states that are at high risk for large-scale wildfires.
- You know, our weather patterns are certainly contributing to the wildfire risk.
- or hurt Georgia's ability to mitigate wildfire risk?
Bills:
HB471
Keywords:
forest management, wildfire prevention, public lands, Tribal jurisdiction, Fix Our Forests Act, wildfire, forest health, hazardous fuels reduction, fuels treatment, prescribed burning, mechanical thinning, mastication, fuel breaks, fire breaks, wildland-urban interface, WUI, fireshed, fireshed management area, fireshed registry, Fireshed Center
Summary:
The meeting primarily focused on H.R. 471, the Fix Our Forests Act, which aims to address the ongoing crisis of wildfires exacerbated by climate change and the need for updated forest management practices. Various committee members voiced concerns about past federal management failures and emphasized the necessity for collaborative approaches involving local communities and stakeholders in forest management. As discussions unfolded, there were varying perspectives on the implications of certain provisions in the bill, particularly around regulatory changes and their likely impacts on public participation and environmental reviews.
MN
Minnesota 2025-2026 Regular Session
House Commerce Finance and Policy Committee 3/5/26
Commerce Finance and Policy
Transcript Highlights:
- group market. fully insured large group market.
- <00:21:26.400>
part that, uh, that is true in large part that, uh, that is true in large part - And then we have, you know, this risk pool set up for teachers, and then we have this risk pool for us
- And so there are all these different risk pools out there.
- Again, at the risk of repeating myself, I will summarize.
Keywords:
HF3388, Minnesota premium security plan, reinsurance, health insurance, group health carriers, MCHA, MNsure, individual market, premium stabilization, carrier assessment, health insurance assessment, premium security plan account, state innovation waiver, high-risk pool, reinsurance payments, healthcare premiums, insurance carriers, deferral of assessment, financially impaired condition, HF400
Summary:
The committee approved the minutes from the prior day and then heard House File 400, a bill described as a defrayal measure for health insurance mandates. Representative Perryman said the bill would not block future mandates, but would require the state to pay the added costs of any new mandated benefits so those costs would not be shifted to premium payers. She and supporters framed the bill as a way to protect affordability for Minnesota employers, workers, and families, especially in the fully insured market.
Testimony in support came from the Minnesota Chamber of Commerce and the Minnesota Council of Health Plans. They argued that Minnesota has a high number of mandated benefits, that each new mandate adds cost to premiums, and that businesses—especially small and midsize employers—are already struggling with rising health insurance costs. The health plans representative said the bill would use the existing Commerce defrayal process to reimburse plans for eligible mandate-related claims, allowing those costs to be removed from premium rates. Several members echoed support, saying the bill would improve transparency by showing the fiscal impact of proposed mandates and help prevent people from being priced out of coverage.
Members also explored how mandates apply in the market and how premiums are set. Deputy Commissioner Julia Dryer explained that, unless otherwise specified, mandates generally apply to the individual, small group, and fully insured large group markets, while self-insured ERISA plans and other markets are generally outside that scope. Representative Elkins noted that the affected market is relatively small and said small businesses are increasingly moving to self-insured plans because of cost. He and others raised concerns about affordability, while Representative Smith argued that mandates often ensure needed care and that the bill shifts costs to taxpayers rather than insurers. Representative Bacham added a personal example from tribal self-insurance, saying preventive physicals had saved lives and asking whether other factors besides mandates are driving insurer costs. No amendments were offered, and the bill was laid over for possible future consideration.
HI
Transcript Highlights:
- These are manufactured homes that largely come from outside of state.
Bills:
SB2405, HCR19, HCR63, HCR85, HCR140, HCR166, HCR82, HCR98, HCR104, HCR106, HCR141, HCR165, HR20, HR57, HR77, HR132, HR156, HR74, HR90, HR96, HR98, HR133, HR155
Keywords:
agricultural workforce, housing, Hawaii, working group, zoning, land use, financial incentives, tax credits, water conservation, infrastructure, public health, March4Water, water access, sustainable resources, Honopou Bridge, emergency access, wildfire risk, public safety, structural integrity, community outreach
Summary:
The Water and Land Committee met on April 7 and heard testimony on several resolutions and one bill. SB 2405 SD1 HD2, relating to agricultural workforce housing, received support from the Department of Agriculture and Biosecurity, HFTC, and the Hawaii Farmers Union, and the committee later recommended passage as is; one member voted with reservations citing department cost and staffing concerns. The committee also heard HCR 19/HR 20 designating March as March for Water Month, HCR 63/HR 57 urging DLNR and DOT to clarify jurisdiction over Honouliuli Bridge, HCR 85/HR 77 on transferring parcels for the East Kapolei TOD project, HCR 140/HR 132 on vegetation management and fuel reduction in West Maui, HCR 166/HR 156 on identifying East Oahu lands for native Hawaiian tree planting, HCR 82/HR 74 on basic shelter standards for rapid deployment housing, HCR 98/HR 90 on a Honolulu housing pattern book, HCR 104/HR 96 on North Shore coastal trails, HCR 106/HR 98 on endorsing Waikiki as a world surfing reserve, HCR 141/HR 133 on Maui fire code enforcement, and HCR 165/HR 155 on permanent pickleball nets and lighting at Kamiloiki Community Park.
Testimony was generally supportive on most measures, with several agencies and organizations submitting written comments or appearing in support. HCR 82/HR 74 drew the most discussion: the State Council on Developmental Disabilities supported the intent but asked that accessibility be considered on the front end, while another testifier opposed the resolution, arguing it could turn temporary emergency shelters into permanent substandard housing and should be deferred. Committee members discussed temporary versus permanent housing standards and accessibility, and the chair later said the measure would be amended to require permanent units to meet appropriate code standards and to note accessibility concerns in the committee report. On HCR 140/HR 132, DLNR testified that firebreak maintenance on its Waianae lands would be costly, and members noted funding and staffing implications.
At the end of the meeting, the committee adopted the chair’s recommendations on the measures it voted on. SB 2405 was passed with a reservation from one member; HCR 19/HR 20, HCR 63/HR 57, HCR 85/HR 77, HCR 98/HR 90, HCR 104/HR 96, HCR 106/HR 98, HCR 141/HR 133, and HCR 165/HR 155 were passed unamended, while HCR 140/HR 132 was passed with reservations and HCR 166/HR 156 and HCR 82/HR 74 were passed with amendments. The committee then adjourned.
WY
Keywords:
wildfire, fire management, funding, forestry, state investment, task force, capital construction, state funding, legislative services, budget appropriation, unexpended funds, sunset clause, conservation, employment, inmate crew program, Wyoming, major maintenance, community colleges, budget, education
WY
Keywords:
wildfire, fire management, funding, forestry, state investment, task force, capital construction, state funding, legislative services, budget appropriation, unexpended funds, sunset clause, conservation, employment, inmate crew program, Wyoming, major maintenance, community colleges, budget, education
TX
Transcript Highlights:
- This lack of insurance and its limitation on Texas's ability to reduce our wildfire risk has come to
- It's my belief this on the correct path of reducing our risk of wildfires across all of our 254 counties
- After a lot of precautions are put in place, so I'm just curious how large of a risk or concern that
- I think the risk pool is.
- The state is putting the seed money in for the risk pool. Uh, one.
Keywords:
HB 1818, Texas Insurance Code, Texas Department of Insurance, commissioner of insurance, health maintenance organization, HMO, insurer, utilization review, preauthorization, prior authorization, medical necessity review, health care services, medical care, insurance regulation, insurance examination, regulatory oversight, confidential records, public information exception, Chapter 843, Chapter 1301
TX
Transcript Highlights:
- When a carrier wants to work with a homeowner and take on that risk, there will largely be a compromise
- We can't take more risk in case there's a storm or something that occurs, you know, or risk tolerance
- Morgan about that because there are clear exceptions in the law where large industrial risk and large
- And the other thing is that there may be multinational risk; they may have risk in Texas.
- large. ...or international companies.
Keywords:
HB 1818, Texas Insurance Code, Texas Department of Insurance, commissioner of insurance, health maintenance organization, HMO, insurer, utilization review, preauthorization, prior authorization, medical necessity review, health care services, medical care, insurance regulation, insurance examination, regulatory oversight, confidential records, public information exception, Chapter 843, Chapter 1301
ND
North Dakota 2025-2026 Regular Session
Senate Energy and Natural Resources Apr 3rd, 2025 at 02:30 pm
Energy and Natural Resources
Transcript Highlights:
- So if we, you know, wait two years or wait four years, there's the risk of getting behind the eight ball
- The DOE has funded large pilots similar to what we're doing in Grand Forks with their pre-combustion
- And again, it just clarifies that this will be, if there is a large-scale infrastructure project that
- bringing funds in for the Legacy Fund for the oil and gas industry and the determination was made for our large-scale
- infrastructure project to go back into the oil and gas industry, we'd essentially be doubling on our risk
Bills:
SB2339
Keywords:
wildfire mitigation, utility liability, strict liability, electric utility, public service commission, PSC, rural electric cooperative, municipal utility, transmission provider, vegetation management, power lines, reclosers, electrical safety, wildfire prevention, grid reliability, public safety, first responders, ANSI A300, National Electrical Safety Code, community outreach
Summary:
The Energy and Natural Resources Committee continued work on House Bill 1459, which concerns rare earth and critical mineral recovery from North Dakota lignite coal. Testimony from UND researcher Dan Ludo and industry representative David Straely focused on the urgency of developing the process quickly, the technical differences between extracting minerals from coal versus ash, and the potential value of elements such as terbium, dysprosium, gallium, germanium, and synthetic graphite. Straely argued the bill is constitutional, limited to minerals within the coal seam, and needed to avoid years of quiet title litigation and provide certainty for development and compensation to royalty owners. Committee members raised questions about landowner rights, compensation levels, possible amendments from the Department of Trust Lands, and whether the bill should be modified to address constitutional concerns or sunset provisions. No final action was taken on HB 1459; the chair said parties could work on language until Monday before the committee revisits it.
The committee then returned to House Bill 1579, a high-load study bill with a possible energy infrastructure investment amendment. Jody Smith of the Retirement and Investment Office presented updated language adding guardrails for in-state infrastructure investing, including requiring approved projects to be underwritten and managed by a qualified investment manager or financial institution and to follow the Legacy Fund investment policy. Members discussed whether the amendment had been shared with the House sponsor and noted that the related bill 1330 was still pending, so HB 1579 was being held for the time being.
Finally, the committee took up House Bill 1566, which had an amendment from the Agriculture Commissioner’s office. The committee adopted the amendment 7-0, then passed a due-pass motion on the amended bill and referred it to Appropriations, also by a 7-0 vote. Members discussed the bill’s fiscal impact, including an estimated $580,000 for two FTEs over two years, and clarified that the study component remains in the bill. Senator Gerhardt was assigned to carry the measure.
HI
Hawaii 2026 Regular Session
House Chamber - Fri Apr 17, 2026, 12:00PM HST - Day 46
Hawaii House Floor Meeting
Keywords:
affordable housing, housing credits, perpetual credits, development, Hawaii Housing Finance, Vietnam veterans, commemorative medal, recognition, working group, Hawaii, no-bid contracts, emergency procurement, audit, state agencies, public funds, accountability, emergency response, disability access, 911 systems, life-saving measures
HI
Hawaii 2026 Regular Session
House Chamber - Thu Apr 16, 2026, 12:00PM HST - Day 45
Hawaii House Floor Meeting
Keywords:
affordable housing, housing credits, perpetual credits, development, Hawaii Housing Finance, Vietnam veterans, commemorative medal, recognition, working group, Hawaii, no-bid contracts, emergency procurement, audit, state agencies, public funds, accountability, emergency response, disability access, 911 systems, life-saving measures
HI
Hawaii 2026 Regular Session
EEP Info Briefing - Thu Apr 16, 2026 @ 9:00 AM HST
Hawaii House Floor Meeting
Transcript Highlights:
- We have two very large for are excited.
- <00:29:06.799>
that long-term contracts is the risks that long-term contracts is the risks - disregard risks two, three, and four. disregard risks two, three, and four.
- <00:51:07.280>
because lot of spare capacity largely because lot of spare capacity largely - <01:29:36.400>
be it's a risk risk that will always be it's a risk risk that will always be
Keywords:
affordable housing, housing credits, perpetual credits, development, Hawaii Housing Finance, Vietnam veterans, commemorative medal, recognition, working group, Hawaii, no-bid contracts, emergency procurement, audit, state agencies, public funds, accountability, emergency response, disability access, 911 systems, life-saving measures
TX
Transcript Highlights:
- Taxpayers took the risk, but they didn't get the return.
- I think those are ways you can mitigate the risk if you define risk as actual capital loss or bad investments
- Remember, I might add, there's two kinds of risks.
- There's the risk of governance, and I'd say on both those there's a large... volume now of best practices
- You're also not factoring in risk premiums and other things.
Keywords:
Texas Future Fund, investment review board, economic stabilization, innovative technology, national defense, HB 2054, Texas volunteer fire department assistance fund, Rural Volunteer Fire Department Assistance Program, volunteer fire departments, wildfire mitigation, wildland fire, rural fire protection, insurer assessment, insurance premium tax, state appropriations, firefighting grants, emergency services, high-risk wildfire areas, Texas Comptroller, Texas Government Code
AL
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
TX
Transcript Highlights:
- I represent a large segment of the commercial and residential property insurance industries in Texas.
- We're not like Florida, Louisiana, or California, where there is... ...significant risk where one side
- There is a risk of upsetting that balance.
- They're going to simply not offer the product that they think is higher risk, homeowners for the most
- We're a pretty big state, and we have a big economy, and there's lots to insure and lots of risk.
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
TX
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