Video & Transcript DataContr Research : 'insurance costs'

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TX

Texas 2025 - 89th Regular

Local Government (Part II) May 5th, 2025

Senate Local Government Committee

Transcript Highlights:
  • I pay a mortgage, home insurance, and have done significant upgrades. I pay insurance and taxes.
  • By saying, here's a bond, here's the INS, this is how much it's going to cost you.
  • But aren't we seeing significant increases in transportation project costs?
  • I believe a 58% increase in inflation on construction project costs since 2020?
  • Interest in interest costs and inflation.
Summary: The meeting of the committee included vigorous discussions on various bills, particularly Senate Bills aimed at creating municipal management districts and local improvement initiatives. Senate Bill 3048, presented by Senator Birdwell, was notably passed with unanimous support, establishing a management framework for a 448-acre community called Blue Bonnet Hills. Concurrently, attention was drawn to SB2559, which received public testimony related to development moratoriums that have affected local businesses, emphasizing the need for legislative safeguards against prolonged restrictions on development projects. The session concluded with plans to continue deliberating on various local bills aiming to amend district management provisions.
TX

Texas 2025 - 89th Regular

Agriculture & Livestock May 14th, 2025 at 09:05 am

House Agriculture & Livestock Committee

Transcript Highlights:
  • We don't have corporate attorneys or insurance teams to back us up.
  • Again, my calculations on looking at the cost of things is that it will cost you for Class 1 or Class
  • Cost you $100 a year for fees.
  • It'll cost you for every 30 dozen that you sell.
  • It costs you $0.04 to pay into that fee and to the agency, and then your equipment costs.
Bills: SB1864
Summary: This meeting of the committee centered around the discussion of SB1864, which aims to increase access to the graded egg market for small-scale producers. Chairman Wilson introduced the bill, highlighting its potential to lower barriers for entry, allowing smaller producers to sell ungraded eggs to retailers and wholesalers with proper labeling and documentation. The committee heard differing viewpoints, with supporters emphasizing the importance of farming diversity and access to local markets, while opponents raised concerns about food safety and maintaining quality standards. Testimonies from various stakeholders, including farmer representatives, industry experts, and regulatory bodies, were presented, showcasing the tension between market access for small producers and the need for consumer protection through existing food safety regulations.
TX

Texas 2025 - 89th 2nd C.S.

89th Legislative Session - Second Called Session Aug 25th, 2025 at 12:08 pm

Texas House Floor Meeting

Transcript Highlights:
  • teachers, providing health insurance to employees, benefits, payroll taxes, contributions, other costs
  • related to TRS, utilities, and property and casualty insurance.
  • They should plan accordingly, but no, there is nothing to offset any cost of an election.
  • It is in fact likely to cost taxpayers additional money given the cost of running an election.
  • But you're now going to open them up to liabilities, which is insurance.
Bills: HB17, HB16, SB10, HB27, HB23, SB15, SB18
Summary: The meeting focused on multiple important pieces of legislation, with key attention on HB16, an omnibus courts bill aiming to improve judicial processes, and SB18, which seeks to ease permit requirements for dam maintenance related to erosion and flood control. Chairman Leach and Senator Zaffirini provided significant insights during their bill presentations, stressing the importance of efficiency in governmental operations. The committee engaged in lively debates about the implications of these bills, particularly regarding budgetary concerns for local governments and the potential effects on public safety funding. Testimonies from stakeholders further highlighted the necessity for legislative clarity and improved infrastructure support for state safety measures. The final votes showed strong support for the proposed bills, indicating a proactive approach towards legislative efficiency.
TX

Texas 2025 - 89th Regular

State Affairs (Part I) May 8th, 2025

Senate State Affairs Committee

Transcript Highlights:
  • ...an unnecessary cost simply for choosing to hand count our
  • This ensures that Texas businesses don't have to bear the cost of long-distance legal battles or be subjected
  • you were, let's say that $1.5 trillion was the amount of money that states had in the market at any cost
  • My attorney sent a demand letter for $50,000, just enough to cover the cost of counseling.
  • However, the one thing that is prohibited is silencing coming at the cost.
Summary: The meeting held by the committee covered multiple critical bills focusing chiefly on the implications of non-disclosure agreements (NDAs) related to child sexual abuse and the prohibition of state investments in companies tied to nations deemed as threats, such as China and Russia. Debate around HB34 emphasized the necessity of protecting Texas taxpayers and maintaining national security by avoiding investments in these adversarial nations. Additionally, House Bill 748 spurred poignant reflections and testimonies from abuse survivors aiming to combat the silencing effect of NDAs on victims. The legislators expressed a consensus on the urgency of these issues, particularly the need for Trey's Law, which aims to empower survivors and diminish the influence of NDAs that shield abusers from accountability.
TX
Transcript Highlights:
  • and lowering costs to support working families.
  • We don't have an estimate of how much this will cost overall because we don't have any maps to look at
  • The population has declined to 29 million after 35 years of Republican rule, with 10% homeowner insurance
  • Housing costs and insurance costs are crushing us, and insurers are leaving the state entirely, leaving
  • premiums that force Texans into state-run insurance pools as the last resort.
Summary: The Senate special committee convened to address issues related to congressional redistricting, particularly focusing on the implications of a recent DOJ letter concerning majority-minority districts. Various senators expressed strong concerns about the motivations behind the proposed redistricting efforts, asserting that they may infringe on the rights of black and brown communities across Texas. Numerous members of the public provided passionate testimony, voicing their fears over potential voter suppression and gerrymandering, while others pushed for greater representation of underrepresented communities in the redistricting process. The committee aims to gather this public input as part of its overall redistricting considerations during the special session.
TX

Texas 2025 - 89th Regular

Licensing & Administrative Procedures Apr 8th, 2025 at 10:30 am

House Licensing & Administrative Procedures Committee

Transcript Highlights:
  • Furthermore, this bill will provide a cost break to rural...
  • What's it cost to have you get your...
  • With insurance costs, equipment costs, and everything we have to do to keep up with running a quality
  • And we're all doing it at costs that are less than what this is.
  • The taxes and equipment costs are just significant.
Summary: The meeting was marked by thorough discussions regarding several pivotal bills aimed at addressing safety and regulatory reforms within various sectors. Notably, House Bill 3352 was a focal point, where industry representatives highlighted the urgent need for enhanced driver safety training in work zones due to a rise in fatalities. Supporters argued that including work zone safety in driver education programs could significantly improve awareness and reduce accidents. Additionally, House Bill 2186 drew scrutiny from small business owners who expressed concerns about the regulatory burden it would impose on electricians and the potential impact on employment within the industry. Despite the commitment to improve safety, stakeholders warned of unintended consequences that could affect operational viability for non-signatory firms.
TX

Texas 2025 - 89th Regular

Senate Session Mar 27th, 2025

Texas Senate Floor Meeting

Bills: SJR37, SJR57, SCR8, SB8, SB108, SB125, SB251, SB318, SB378, SB379, SB396, SB472, SB487, SB503, SB533, SB565, SB583, SB608, SB650, SB686, SB689, SB707, SB710, SB763, SB854, SB875, SB916, SB924, SB925, SB958, SB961, SB965, SB987, SB988, SB1006, SB1019, SB1021, SB1024, SB1026, SB1038, SB1146, SB1185, SB1194, SB1202, SB1252, SB1253, SB1330, SB1343, SB1362, SB1497, SB1498, SB1499, SB1527, SB1547, SB1596, SB1697, SJR36, SJR12, SJR57, SJR37, SCR22, SCR12, SCR8, SB925, SB1362, SB565, SB765, SB62, SB666, SB707, SB888, SB687, SB847, SB1248, SB504, SB857, SB305, SB296, SB284, SB1497, SB1499, SB1498, SB241, SB304, SB621, SB1023, SB1024, SB686, SB371, SB204, SB609, SB670, SB850, SB854, SB413, SB1346, SB1033, SB1220, SB1073, SB810, SB1539, SB447, SB875, SB406, SB985, SB965, SB1119, SB1505, SB1194, SB1253, SB1215, SB1302, SB856, SB583, SB673, SB681, SB1172, SB1252, SB378, SB608, SB955, SB957, SB988, SB1019, SB1021, SB1120, SB251, SB541, SB379, SB1737, SB266, SB1415, SB1527, SB125, SB599, SB1330, SB53, SB916, SB1352, SB785, SB710, SB472, SB1450, SB1502, SB1566, SB414, SB1062, SB961, SB1038, SB578, SB711, SB746, SB942, SB1404, SB1448, SB1738, SB108, SB8, SB318, SB507, SB533, SB689, SB1026, SB1349, SB1355, SB1433, SB1434, SB1596, SB1403, SB1146, SB763, SB667, SB1059, SB617, SB1567, SB503, SB16, SB310, SB311, SB396, SB505, SB1209, SB1210, SB1470, SB264, SB924, SB1029, SB1185, SB1202, SB1358, SB1364, SB1569, SB1697, SB1376, SB1228, SB519, SB878, SB1350, SB462, SB1535, SB827, SB1585, SB207, SB1207, SB1619, SB1396, SB920, SB1484, SB1273, SB1741, SB7, SB927, SB1227, SB1229, SB1353, SB1366, SB1464, SB1709, SB1729, SB1733, SB1744, SB1772, SB1816, SB1841, SB2188, SB1147, SB879, SB1008
Summary: The committee meeting was marked by an extensive discussion on multiple bills, including HB2 and SB1, which sparked debate around public safety and health regulations. Members expressed diverse opinions, with Senator Jackson voicing strong support for HB2 due to its potential to enhance community health initiatives. On the contrary, Representative Lee raised concerns regarding the implications of SB1 on small businesses, prompting a discussion that included testimonies from affected stakeholders who provided insights into the potential economic impact. Public testimony was actively encouraged, with many community members participating, sharing their perspectives, and influencing the committee's considerations.
TX

Texas 2025 - 89th Regular

Appropriations Feb 18th, 2025 at 08:00 am

House Appropriations Committee

Transcript Highlights:
  • to see if operating costs are included in the base budget ask.
  • Because there are some startup costs, right?
  • So our anticipated cost for...
  • I can't speak to what TEA or the Department of Agriculture's costs would be.
  • cost-saving wise, has it been effective?
Summary: The meeting primarily focused on reviewing the proposed budget for the upcoming biennium, with substantial discussions around House Bill 1 and its implications for public education, healthcare, and border security. The Comptroller presented a revenue overview indicating a total of $194.6 billion available for general purpose spending, which reflects a slight decrease compared to previous years due to fluctuating economic conditions. Members raised questions regarding spending limits and the impact of federal funding on state programs, highlighting concerns about the sustainability of funding in light of potential changes at the federal level.
TX

Texas 2025 - 89th Regular

Ways & Means Apr 7th, 2025 at 10:00 am

House Ways & Means Committee

Transcript Highlights:
  • aims to help offset rising brewing costs.
  • These rising costs are driving producers out of the industry.
  • Well, there are costs associated with donating this resource.
  • Everything has been adding up in our industry: the cost of grain, the cost of insurance, the cost of
  • And so those are those costs.
Summary: The Committee on Ways and Means convened to discuss several proposed bills, including HB4044, HB103, and HB3045, focusing on tax reform and support for local development initiatives. Representative Troxler introduced a committee substitute for HB103, which was subsequently adopted without objection, demonstrating consensus on its merits. HB3045 sought to incentivize spaceport operations with franchise tax breaks for contracts related to the Department of Defense, emphasizing Texas's commitment to lead in the aerospace industry. The meeting concluded with discussions around the importance of the Property Value Study (PBS) and its impact on equitable taxation, with members addressing concerns about the effective administration of property appraisals and future legislative actions.
TX

Texas 2025 - 89th 1st C.S.

Disaster Preparedness & Flooding, Select Jul 23rd, 2025 at 09:07 am

House Disaster Preparedness & Flooding, Select Committee

Transcript Highlights:
  • What's the cost? Do you know what the cost is for the...
  • So the cost varies, $10,000 to $20,000 a setup.
  • The estimated cost for that is $49 billion.
  • One on the National Flood Insurance Program.
  • , which provides low-cost flood insurance for homeowners.
Summary: The committee meeting focused on flood management and response strategies following the recent devastating floods in Texas. Notably, discussions centered around the creation of a flood infrastructure fund and Senate Bill 8, which aims to improve regional flood planning processes. Several experts provided insights into the challenges faced during the floods, including communication barriers, emergency response efforts, and the need for better coordination among local and state agencies. Public sentiments were shared regarding the necessity for improved flood prevention measures, conservation plans, and the expansion of existing infrastructure to cope with future climatic challenges.
TX
Transcript Highlights:
  • How much is the reconstruction of that bridge going to cost?
  • Do you remember what the cost of that was?
  • We house the state's National Flood Insurance Program.
  • These have to be insured by the NFIP.
  • , which offers low-cost flood insurance for homeowners.
Summary: The meeting primarily focused on discussions around the recent floods in Texas, specifically addressing emergency preparedness, response coordination, and recovery efforts. Officials from various agencies provided testimonies on the challenges faced during the emergency, including issues with communication systems among first responders. Notably, the need for improved inter-agency communication and technology integration was emphasized, with recommendations for establishing regional communications units for better coordination during disasters. The audience included local government representatives and emergency management partners, who shared insights and experiences from the recent flooding events.
TX

Texas 2025 - 89th Regular

Business and Commerce Apr 24th, 2025

Senate Business & Commerce Committee

Transcript Highlights:
  • Those online loans, being unregulated, cost Texans more and have a lower success rate.
  • It's the cost of funds that come in, the cost of servicing

  • Applications, staffed by our team members, cost a lot of
  • , and other ancillary insurance products and so forth.
  • Are interest rates the only costs that they have? Do you guys charge origination fees?
Summary: The meeting of the Senate Business and Commerce Committee was marked by discussions on several significant bills, with a keen emphasis on legislative updates and committee substitutes. Notably, Senator Blanco presented a new committee substitute for SB2610, which modifies the employee cap from 100 to 250 and extends the update timeline for cyber security programs for small businesses. This substitute was adopted unanimously, reflecting a collaborative agreement among the committee members. Additionally, there were discussions surrounding SB1856 as Senator Crayton provided insights into how stakeholder feedback influenced the bill's committee substitute. The committee ultimately voted in favor, pushing it towards the local and contested calendar, indicating the bill's progression through legislative channels.
TX

Texas 2025 - 89th Regular

Transportation (Part II) Apr 9th, 2025

Senate Transportation Committee

Transcript Highlights:
  • where your fixed costs don't really change very much but
  • I bet he could run the math to figure out how much it costs.
  • This results in an astronomical reimbursement of about $30,000 per call, despite the actual cost of the
  • What the police officers would cost is still considerably more than that total surplus that you end up
  • It is common practice for them to get reimbursed by insurance companies. So my question is...
Summary: The meeting involved significant discussions around several bills focused on public safety and infrastructure, particularly involving the Texas Toll Road Authority. A prominent topic was SB2722 and its implications for funding essential services at the local level. Various members expressed concerns that the bill could undermine local budgets and infrastructure projects, potentially redirecting funds intended for critical transport services to cover emergency responses without proper oversight. Fire and police representatives emphasized the importance of toll revenue being used for its intended purposes rather than being diverted to address fiscal mismanagement within the city.
TX

Texas 2025 - 89th Regular

Energy Resources Mar 24th, 2025 at 11:00 am

House Energy Resources Committee

Transcript Highlights:
  • I don't know that I know the exact cost.
  • on the project, or on the bill, rather, and so I don't anticipate any costs.
  • I just see that $10,000 compared to the costs involved as being too low.
  • Those items can be contracted for, and insurance can play a role.
  • We have the technology to do that today, and the cost...
Summary: The meeting of the committee focused on the discussion and advancement of several key bills, notably HB1285, HB2890, HB1971, and HB1169. Chairman Darby opened the session by presenting HB2890, addressing the economic impact of liquefied natural gas (LNG) exports, particularly in light of recent federal pauses on LNG projects which have affected Texas significantly. The committee heard testimonies regarding the necessity of increasing communication between Gulf states to protect the industry, illustrating the importance of unified action against federal regulations that may harm Texas's LNG sector.
TX

Texas 2025 - 89th Regular

Delivery of Government Efficiency Mar 12th, 2025 at 10:30 am

House Delivery of Government Efficiency Committee

Transcript Highlights:
  • There's no cost.
  • cost in those areas.
  • It might cost more initially, right?
  • And how much is that costing?
  • It will remove costs.
Bills: HB10, HB12, HB675
Summary: The meeting featured extensive discussions surrounding the Local Government Purchasing Cooperative, emphasizing approaches to enhance procurement processes for efficiency and cost-effectiveness. Representatives from Pearland City Council provided firsthand insights regarding their experiences with cooperative purchasing. Key topics included the complexities of contracts, the challenge of aligning with state procurement laws, and the importance of supporting local vendors through cooperative initiatives. The session also included invited testimony, exploring how the cooperative model influences municipal and educational budgets across Texas.
TX

Texas 2025 - 89th Regular

Natural Resources Apr 2nd, 2025

Senate Natural Resources Committee

Transcript Highlights:
  • was moved to being more fee-based and how these fees compare to the rest of the fees that cover the cost
  • So the intent was to have permit fees to be able to cover that cost. I can appreciate that.
  • marker="451" data-time="2700"> ...new collections programs are statutorily required to cover their costs
  • Cost estimate. Apologies for that.
  • Most consumers are not aware of the safety, fire, and insurance risks posed by improperly manufactured
Bills: SB2122, SB2050
Summary: The Senate Committee on Natural Resources convened to discuss developments regarding SB1150, related to the plugging of inactive wells. Senator Middleton presented the committee substitute for the bill, detailing key adjustments, including extending the effective date by two years to September 2027 to provide operators and the Railroad Commission adequate time for implementation. The discussions sought to address concerns regarding compliance complexity, particularly for wells inactive for more than 15 years. The relaxed timeline was intended to mitigate an initial rush before escalating requirements were imposed on stakeholders. In addition to the new timeline, revisions were made to enhance the clarity of reporting standards for operators regarding inactive wells.
TX

Texas 2025 - 89th Regular

Finance Feb 3rd, 2025

Senate Finance Committee

Transcript Highlights:
  • They may have different costs.
  • The biggest cost in any company, the biggest cost in running
  • huge savings for the medical costs.
  • That cost, I know, has come down.
  • They may have different costs; that is the cost that we estimated based on what we saw.
Bills: SB1
Summary: The meeting focused on various topics related to child welfare, particularly emphasizing the importance of kinship placements in the foster care system. Senators Alvarado and Hinojosa engaged in a detailed discussion regarding the benefits of kinship care, highlighting better outcomes for children and the financial implications for the state. They emphasized a need for continued investments in kinship care as a strategy to improve child welfare outcomes, encouraging the legislature to consider this approach moving forward. Additionally, the committee reviewed community-based care programs, which aim to keep children in their communities to promote stability and familial connections.
TX
Transcript Highlights:
  • continues to damage individuals, families, and communities while unnecessarily imposing tremendous costs
  • Businesses, insurance executives who depend on your chronic
  • A lot of human cost and a lot of money.
Bills: SB5, SB11, SB12
Summary: The meeting focused on the pressing issue of THC regulation in Texas, led by several key legislators including Senator Johnson who emphasized the need for a comprehensive regulatory framework for THC products. Key topics included the unregulated sale of hemp-derived THC, its negative impact on public health, especially among children, and the disproportionate incarceration rates for minor marijuana offenses. Senators discussed the need for reforms to create a safer, more enforceable regulatory environment as public sentiment increasingly favors regulation over prohibition. Numerous public testimonies highlighted personal experiences and the necessity of changing current laws to reflect public safety and health concerns.
TX
Transcript Highlights:
  • It would also lower the cost of hiring contractors to do the repairs.
  • , what it costs to administer the next number of FTEs exceeding operations.
  • costs.
  • The NFIP is based on three things: insurance, flood risk maps, and enforcement.
  • So, it's not going to be an additional cost per se for you to go out and check evacuation plans?
Summary: The committee meeting focused on several critical bills related to disaster response and water conservation. Senate Bill 1, the Natural Disaster Omnibus Bill, was extensively discussed, with testimonies reflecting on recent flooding incidents in Texas. Senator Perry emphasized the need for policy solutions to prevent future tragedies following historic flooding that resulted in significant loss of life. The committee adopted the committee substitutes for both SB1 and SB13 without objection, highlighting the broad support for these initiatives aimed at water conservation and improved emergency response protocols. Additionally, members expressed the importance of training and educating officials involved in disaster management to ensure they are equipped to handle emergencies effectively.
TX

Texas 2025 - 89th Regular

Land & Resource Management Mar 27th, 2025 at 10:30 am

House Land & Resource Management Committee

Transcript Highlights:
  • So, that is not a matter of cost. Can we build wider streets?
  • There are four inputs that affect the cost of housing: the cost of land, the cost of materials, the cost
  • of labor, and the cost of money.
  • of land at zero cost to the state.
  • Now, part of that's insurance, but that's a different committee.
Summary: The meeting centered around discussions on land use and zoning regulations, prominently featuring HB24 and HB3172. Representative Orr emphasized the importance of reforming the existing zoning laws to empower property owners and streamlined processes for development. Testimonies from various stakeholders highlighted the impact of the current supermajority requirements which hinder necessary housing projects, creating frustration among local developers and advocates for affordable housing. Notable support was expressed for these bills, highlighting the necessity for cities to modernize their zoning systems to facilitate growth and adequate housing development.

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