Transcript Highlights:

• As far as public adjusters go, generally, the public adjusters are taking 20% of whatever the value of
• As far as public adjusters go, generally, the public adjusters are taking 20% of whatever the value of
• method of resolving these losses.
• than we treat a fire loss.
• Appraisal does not create new losses; it resolves disagreements about losses that already exist.

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:

• 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

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
• If they could file a rate tomorrow, they would, and they would adjust it the way they felt they needed
• to adjust it.

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

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:

• We may not be physically seen, but we hear every scream, every plea, every moment of loss.
• Retirees in the special risk class will receive an alternative cost-of-living adjustment of 1.5 percent

Bills: S0774, S7028, S7024, S7026

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 medical benefits for employment-related mental or nervous injuries to 911 public safety telecommunicators, even without a physical injury. The sponsor and several dispatchers, a clinician, and communications directors testified in support, describing repeated exposure to traumatic calls, chronic understaffing, and the need for mental health treatment and retention support. Senator DiCeglie and Chair Mayfield praised dispatchers’ work, and the bill was reported favorably by committee vote, with Senator McClain later recorded as voting yes on the bill. The committee then took up SPB 7028, a retirement bill that sets Florida Retirement System employer contribution rates beginning July 1, 2026, leaves the 3% employee contribution unchanged, allows certain elected officers to receive a DROP payout under specified conditions, and provides a 1.5% alternative cost-of-living adjustment for eligible special risk retirees. Firefighters, police, sheriffs, and chiefs’ groups spoke in support, emphasizing recruitment and retention. The committee voted to submit the proposal as a committee bill and reported it favorably. Finally, the committee considered SPB 7024 and SPB 7026, both open-government-related bills. SPB 7024 would repeal the current public records and public meeting exemption for cybersecurity information and consolidate agency-specific cybersecurity exemptions into one agency-wide exemption. SPB 7026 would repeal the current public records exemption for trade secrets held by an agency and similarly consolidate specific trade secret exemptions into one agency-wide exemption. Neither bill drew testimony or debate, and both were submitted as committee bills and reported favorably. The meeting then adjourned.

Transcript Highlights:

• rewritten more than a decade ago to emphasize performance pay and limit the role of cost-of-living adjustments
• It restores meaningful use of cost-of-living adjustments for educators with direct student contact.

Bills: S0920, S1036, S1216

Keywords: mathematics education, career pathways, applied algebra, college readiness, technical education, school counselors, educational standards, certification requirements, evaluation criteria, professional development, public school personnel, salary adjustment, performance salary schedule, cost-of-living adjustment, school administration

Summary: The Appropriations Committee on Pre-K-12 Education met with a quorum present and first temporarily postponed SB 920 on mathematics education. The committee then took up SB 1216 on public school personnel compensation, sponsored by Senator Rodriguez, which would give districts more flexibility in educator pay by restoring meaningful cost-of-living adjustments for teachers with direct student contact, allowing recognition of relevant advanced degrees, and removing rigid performance-pay caps. Several senators spoke in support, emphasizing teacher retention, compensation, and education as a state investment. The bill was reported favorably on a unanimous roll call vote. After a brief recess, the committee considered CS/SB 1036 on school counselors, sponsored by Senator Calatayud, to address counselor shortages by removing certification barriers tied to classroom teacher requirements. The sponsor and supporting testimony described recruitment and retention problems, high counselor-to-student ratios, and the need for counselors to focus on student academics, mental health, and college/career readiness rather than administrative duties. Public testimony came from students, educators, and school personnel who described limited access to counselors and the impact on student well-being and college planning. Committee members broadly supported the bill while noting that counselors are often overburdened and that additional support personnel, including BRACE advisors, may also need attention in the future. Senators also discussed broader efficiency measures and the need for schools and colleges to improve access to guidance services. CS/SB 1036 was reported favorably by unanimous vote. At the end of the meeting, members recorded their votes on the two bills, and the committee adjourned.

Transcript Highlights:

• The average difference in total loss claims was $3,089.26.
• For total loss claims, it's $3,964 above the carrier's final offer.
• life for those, or environmental incidents, or loss of investment.
• loss of productive land.
• Our biggest concern is just the loss and threat of habitat to birds.

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

Bills: SB2601

Keywords: landowner compensation, border crime, agriculture damage, law enforcement, crop loss

Summary: The Senate Committee on Border Security met with a quorum and heard only one bill, Senate Bill 2601 by Senator Blanco, laid out by Senator Hinojosa of Hidalgo. The bill was presented as a committee substitute to revise the Landowner’s Compensation Program created last session under SB 1133. The changes would expand eligibility to include land lessees with the landowner’s permission, cover damage to the land itself as well as structures and real property, add continuous smuggling of persons as a qualifying border crime, prohibit insurers from using claims under the program in rate calculations, and require law enforcement to provide requested border crime reports to the Attorney General within 14 days. Public testimony was unanimously supportive. Charles Maley of the South Texans Property Rights Association said the program has been beneficial and that the bill helps clean up implementation issues, including clarifying compensation for debris and pollutants left on land. Stephen Diebel of the Texas and Southwestern Cattle Raisers Association also supported the bill, saying it would help address fence damage, destroyed infrastructure, and other harms along the border, and that lessees who manage properties day to day should be eligible for direct compensation when they have the landowner’s permission. Members discussed border-related property damage, including vehicles crashing through fences, broken sheds, livestock escaping, and resulting highway hazards. Senator Hinojosa asked about how conflicts between landowners and lessees would be handled, and testimony indicated documentation of lease authority would be required. After public testimony closed, the committee adopted the committee substitute without objection and voted to report SB 2601 favorably to the full Senate by a 5-0 vote, recommending it as local and uncontested.

Bills: HB17, HB23, SB10

Keywords: property tax, school funding, enrollment changes, inflation adjustment, tax rate notice

Bills: SB2601

Keywords: landowner compensation, border crime, agriculture damage, law enforcement, crop loss, 1185, senate, all

Summary: The Senate Committee on Border Security met with a quorum and heard one bill, Senate Bill 2601 by Senator Blanco, laid out by Senator Hinojosa of Hidalgo. The bill amends the Landowner’s Compensation Program, which was created last session and is administered by the Office of the Attorney General, to expand eligibility to land lessees, cover damage to the land itself as well as structures and real property, add continuous smuggling of persons as a covered border crime, prohibit insurers from using claims under the program in rate calculations, and require law enforcement to provide border crime reports to the Attorney General within 14 days. The committee substitute also makes the bill a legislative council draft. Public testimony was unanimously supportive. Representatives of the South Texans Property Rights Association and the Texas and Southwestern Cattle Raisers Association said the program has helped landowners but needed cleanup and broader access, especially for lessees who manage property day to day and may otherwise not receive compensation. Testimony also emphasized ongoing problems with fence damage, debris, pollutants, and other border-related property damage. Members asked about implementation, including how conflicts between landowners and lessees would be handled; the response was that documentation of authority and lease responsibilities would be required. After public testimony closed, the committee adopted the committee substitute without objection. Senator Hinojosa then moved that SB 2601 be reported favorably to the full Senate with the committee substitute, and the motion passed on a 5-0 vote. The bill was also recommended for the local and uncontested calendar, with no objection.

Transcript Highlights:

• After adjusting for inflation, Minnesota ESPs today make $3,000 less than they did in 2021.
• Emotionally depleted by loss, we're two public educators.
• Our budget per month has to adjust Our budget per month has to adjust drastically. drastically.
• adjustment. So this would be aid on top. adjustment. So this would be aid on top.
• > for<01:25:44.920> inflation, Not just an adjustment for inflation, Not just an adjustment

Bills: HF3119

Keywords: teacher compensation, educational staff, unlicensed staff, minimum wage, inflation adjustment, education finance, 1183, house

Bills: SB297, HB562

Keywords: water resources, division chief, state governance, Alabama law, exempt service, State Auditor, property investigations, loss and theft, state property, property inventory control, 1136, house, all

Transcript Highlights:

• So we may be events is loss of Medicaid.
• indication other than weight loss, for obesity.
• <02:12:41.119> medications across various weight loss medications across various weight loss
• This relating to drugs for weight loss.
• Um members, are there loss maintenance.

Bills: HB2488, HB2456

Keywords: disability, communication access, deaf, hard-of-hearing, deaf-blind, healthcare, sign language interpreters, auxiliary aids, weight loss, GLP-1 drugs, obesity, Medicaid, healthcare costs, 910, house, all

Summary: The committee heard testimony on HP 1972, which would create a nonrefundable family caregiver tax credit, and on a related tax measure to increase the existing dependent care tax credit. Supporters of HP 1972, including AARP, the Executive Office on Aging, the Hawaii Public Health Institute, Hawaii Children’s Action Network, and others, said unpaid caregivers are essential to keeping kūpuna and other loved ones at home and described significant out-of-pocket costs. The Department of Taxation and the Tax Foundation raised technical concerns, including the need to avoid overlap with existing credits and to prevent double-dipping. The department said taxpayers can claim credits to the extent allowed, but recommended explicit language barring the same costs from being claimed under more than one credit. No vote was taken in the excerpt, and the chair moved the bill along after questions. The committee then heard HP 1975, which would repeal the sunset on the state rent supplement program for kūpuna. AARP, Catholic Charities Hawaii, the Executive Office on Aging, and others supported making the program permanent, saying it helps low-income older adults avoid eviction and homelessness and allows them to remain in affordable housing. Catholic Charities described clients who were paying unsustainable shares of income for rent before receiving the supplement. Members also shared a constituent example of an elderly retiree who needed the subsidy to stay housed. Written support was noted from additional organizations and individuals. Next, the committee took up HB 1706, which would expand Medicaid prospective payment reimbursement to include mental health services furnished in federally qualified health centers and rural health clinics by mental health professionals under supervision. The Office of Hawaiian Affairs supported the bill, and DHS said it appreciated the intent to address workforce shortages and expand training, but cautioned that unlicensed professionals cannot currently bill Medicaid and that a state plan amendment would be needed, with limited precedent for approval. Members asked about the likelihood and timing of federal approval and whether the bill could help rural areas; DHS said approval is uncertain and the process can take time, though it saw possible alignment with the state’s rural health transformation efforts. The committee also discussed HB 546, a three-year health coverage continuity pilot program for people losing Medicaid coverage. DHS, the Attorney General’s office, DCCA, Catholic Charities, the University of Hawaii, and others testified, with DHS warning that federal changes could increase uninsured rates and that the state may need to act quickly. Catholic Charities and others emphasized the risk to Medicaid recipients, including homeless and near-elderly residents, while DHS explained the state’s existing premium assistance program for certain immigrants and compared it to the proposed pilot. The excerpt ends during discussion of that comparison, with no vote shown.

Transcript Highlights:

• So we've adjusted that amendment conversation. Any other conversation on this amendment?
• <00:38:42.480> So<00:38:42.640> we've<00:38:42.880> adjusted<00:38:43.280>
• So we've adjusted that good. Okay.
• So we've adjusted that amendment<00:38:44.880> uh<00:38:45.760> conversation.
• Now, there are times where children may come under a guardianship because of the loss of their parents

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

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

Bills: SB80, SB1101, SB1813, SB1966

Keywords: SB80, legislation, state law, public safety, community impact, local governance, dental coverage, insurance reporting, healthcare access, dental loss ratio, community benefits, Oklahoma law, Athletic Trainer, Compact, interstate practice, licensure, public health, workforce development, military spouses, telehealth

Bills: S0578

Keywords: Alzheimer's disease, Alzheimers, dementia, related dementias, brain health, early detection, diagnosis, caregiver support, elderly affairs, Department of Elderly Affairs, Department of Health, public health outreach, memory loss, cognitive decline, healthy aging, clinical trials, community resources, underserved communities, nonprofit, awareness campaign

Summary: The Committee on Fiscal Policy heard CS for SB 57A, the Alzheimer’s Disease Awareness Initiative by Senator Simon. The bill would create a statewide public health awareness campaign through the Department of Elder Affairs to promote early detection and diagnosis, brain health education, awareness of research and clinical trials, and outreach to older adults and higher-risk populations, with the department contracting with nonprofits for education and awareness efforts. Senator Simon and the bill’s supporters emphasized Florida’s high Alzheimer’s prevalence and the need for public education and early intervention. John Strader, representing the Alzheimer’s Association in South Florida and speaking as a caregiver, testified in support and described how early diagnosis and recent medical advances make awareness campaigns more important. He said a local pilot campaign in Miami-Dade led to a more than 30% increase in calls to the association’s helpline. Karen Morillo of AARP Florida and Tyler Jefferson of the Alzheimer’s Association waived in support. Several senators voiced support and personal reflections on the impact of Alzheimer’s on families and caregivers. Senator Osgood asked about funding and whether the initiative would require new appropriations, and Senator Jones urged that the bill be fully funded and recognized Senator Simon’s personal connection to the issue. In closing, Senator Simon spoke emotionally about his mother’s diagnosis and the need to help families find resources earlier. The committee then approved the bill by roll call vote and reported CS for SB 57A favorably before adjourning.

Transcript Highlights:

• Dental loss ratio and our written testimony is moving across the continental U.S.
• It does differ from medical loss ratios.
• calculate a dental insurers dental loss calculate a dental insurers dental loss ratio<00:35:44.160
• Dental loss ratio for Hawaii consumers.
• So they differ from medical loss ratios.

Bills: SB2004, SB2039, SB2042, SB2043, SB2044, SB2132

Keywords: outdoor advertising, billboards, public safety, penalties, community pollution, elections, campaign finance, business entities, political activity, regulation, liability, non-natural persons, insurance, captives, examination, regulations, policyholders, dormant captive, tax exemption, Hawaii revised statutes

Summary: The Senate Commerce and Consumer Protection Committee opened its first hearing of the year with remarks from Chair Jared Kohole outlining hearing procedures, a two-minute testimony limit, rules for remote testimony and decorum, and a revised testimony-publication pilot that keeps 96-hour notice but returns to a standard 24-hour testimony deadline. He then moved through the agenda, beginning with SB 2004 on outdoor advertising, which would increase penalties for violations of billboard and outdoor advertising laws. Testimony on that measure was limited; Henry Curtis of Life of the Land was first up, and written support was noted from Hawaiian Electric and the Outdoor Circle. The committee then heard SB 2039 on election campaign finance, which would prohibit certain business entities from engaging in campaign finance activities. The Attorney General’s office offered comments and did not take a formal position at the hearing. Several proponents testified in support, including Josh Frost, Tom Moore of the Center for American Progress, Hapa/Hawaii Alliance for Progressive Action, and Common Cause Hawaiʻi, all arguing the bill would curb corporate and dark-money influence and return elections to the people. Moore distinguished between regulating corporate “rights” and limiting corporate “powers,” and said the state can redefine the powers it grants corporations. In questions, Senator McKelvey asked whether the bill could be expanded to include unions; the Attorney General said he would need to get back with legal analysis, while Moore said his preferred approach would include all entities and that leaving out nonprofits or unions would create problems. Members also discussed whether the bill would affect PACs, and Moore explained that the proposal would prohibit corporate and dark-money flows into PACs while leaving individual political giving and existing political committees in place. The committee then moved on to the next measure. SB 2042, relating to insurance, was heard next. The bill would reduce the unimpaired minimum capital and surplus required of class 4 sponsored captive insurance companies under certain circumstances. The DCCA Insurance Division said it stood on its written testimony, and the Hawaii Captive Insurance Council testified in support, describing the change as a narrow, risk-based adjustment that would not affect the commissioner’s authority where actual risk resides and would help keep Hawaii competitive. The committee noted additional written support and proceeded without a vote or final action in the portion of the hearing provided.

Transcript Highlights:

• It fulfills an obligation that the state has already recognized to redress the loss of life and the violation
• The bill restores meaningful use of cost of living adjustment. performance pay, it strengthens it.
• the consumer price index, while placing a 3% cap on each adjustment.
• those caps every five years using the consumer price index while placing a 3% cap on each adjustment
• Adjustments are largely overdue. I remember actually with Mr.

Bills: S0330, S0474, S0694, S1120, S1216, S1366, S1442, S7018

Keywords: firefighter disability, law enforcement disability, correctional officer disability, correctional probation officer, presumptive disability, workers' compensation, line of duty presumption, heart disease presumption, hypertension presumption, tuberculosis presumption, public safety employees, first responders, physical examination, preemployment exam, medical specialist, Medicare reimbursement, employing agency, Florida Statutes 112.18, Florida Statutes 943.13, occupational disease

Summary: The committee heard and advanced several bills, beginning with SB 694 on compensation for the descendants of the Groveland Four. Senator Bracey Davis described the wrongful accusations, convictions, deaths, and long-term harm to the families, and an amendment added a $4 million appropriation and updated the recipient for Ernest Thomas’s family. Multiple family members, advocates, clergy, and supporters testified in favor, emphasizing the decades-long delay in justice and the need for accountability and repair. Senators from both parties spoke in support, and the committee reported the bill favorably after a roll call vote. The committee then approved SB 330 on disability provisions for firefighters, law enforcement, and correctional officers; SB 474 on military affairs leave and related benefits; and SB 96 on the Veterans Dental Care Grant Program. SB 96 drew the most discussion, with Senator Sharief explaining that the bill raises eligibility to 400% of the federal poverty level and moves $500,000 in recurring funding to the General Appropriations Act. Senator Wright and Senator Harrell raised concerns about whether expanding eligibility could worsen the existing waitlist, while supporters argued the change would help more veterans access needed dental care. The bill was ultimately reported favorably. The committee also passed SB 7018 on child welfare, making the Step Into Success pilot program permanent and statewide, adjusting visitor/background-check rules for foster homes, and creating a best-practices program through the Florida Institute for Child Welfare. SB 480 on information technology was reported favorably after amendments creating a central IT governance structure under the Governor’s office, adding vendor performance metrics and a preferred vendor list, and restoring criminal justice information security provisions. SB 1066 on the Ocklawaha River and Rodman Dam also advanced after extensive testimony from supporters and historians about partial restoration, recreation, and economic benefits; the sponsor said he would continue working through permitting questions before floor consideration. Later, the committee approved SB 1216 on educator compensation, which gives districts more flexibility on cost-of-living adjustments, advanced degrees, and performance pay caps, and SB 1120 on water management district oversight and reporting. The committee also reported favorably SB 1366 on sovereign immunity and claims against government, which would raise damages caps, index them to CPI, shorten claim deadlines, and cap attorney fees at 25%. That bill drew testimony from hospitals, cities, counties, school districts, and others, with some supporting the Senate’s compromise approach and others raising concerns about impacts on self-insured law enforcement agencies and attorney incentives. The meeting concluded with the favorable report on the bill after debate continued over those issues.

Bills: HB17, HB23

Keywords: property tax, school funding, enrollment changes, inflation adjustment, tax rate notice, property tax exemption, ad valorem tax, Texas Tax Code, nonprofit corporation, charitable organization, educational nonprofit, scientific nonprofit, agriculture support, youth programs, community education, county population threshold, large county, local government revenue, leasehold interest, possessory interest