Video & Transcript DataContr Research : 'loss mitigation'
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TX
Texas 2025 - 89th Regular
Water, Agriculture, and Rural Affairs Apr 7th, 2025
Transcript Highlights:
- I have always said that flood planning and mitigation...
- The loss of opportunity or loss for that landowner in this CCN certificate is about the potential.
- water loss mitigation reports if the reported losses exceed the thresholds as existing.
- ...horrible municipal water loss.
- We've seen an increase in water loss over the past several years.
Keywords:
water management, Senate Bill 1190, groundwater certification, water loss mitigation, public testimony, Senate Bill 1855, infrastructure, water supply
Summary:
The committee meeting was centered around critical discussions on various bills aimed at improving water management and mitigating losses in municipal water systems. Notably, Senate Bill 1190 sparked significant conversation regarding the high water loss rates among large utilities, with stakeholders emphasizing the need for stringent, consistent validation measures and penalties. The chair expressed appreciation for the collaborative efforts to enhance groundwater management through Bill 1855, which aims to clarify the certification process for groundwater availability, addressing concerns on the ambiguities in the previous legislation. Public testimonies were heard, with supportive sentiments towards improving water conservation strategies and accountability measures within water utilities.
TX
Texas 2025 - 89th Regular
Natural Resources Mar 12th, 2025 at 10:30 am
House Natural Resources Committee
Keywords:
water infrastructure, Texas water fund, rural municipalities, water conservation, water loss mitigation, water fund, infrastructure projects, rural communities, water conservation, fund allocation, water infrastructure, Texas water fund, rural communities, municipalities, water conservation, water infrastructure, Texas water fund, rural communities, municipalities, conservation
Summary:
The meeting conducted by the committee included detailed discussions on two main bills: HB279 and HB638. Representative Harris opened the session by moving that HB279 be reported favorably, a motion that passed unanimously with ten votes in favor and none opposed. Following this, Representative Tepper presented HB638, which requires most water districts to record their meetings and post them online. The purpose of this bill is to ensure transparency and accessibility, especially in light of the substantial investments in water infrastructure projected for the state. Various stakeholders, including those in favor and against the bill, provided testimony highlighting both the benefits of transparency and concerns over implementation costs and logistical challenges for smaller districts.
TX
Transcript Highlights:
- It's not technically insurance, but to mitigate risk for themselves.
- This is a strategy that's been deployed across the land as a way to mitigate risk.
- This allows these folks to self-insure and mitigate risk
- That could result in hair loss, right? It may not cause that in another person.
- Do you know if that would result in hair loss for him as a result?
Bills:
HB778, HB1266, HB1576, HB2213, HB2517, HB2518, HB2841, HB3306, HB3320, HB3388, HB3508, HB3520, HB3689
Keywords:
credentialing, healthcare, physician assistants, advanced practice nurses, managed care, hurricane, windstorm, loss mitigation, grants, insurance discounts, property retrofitting, insurance, Texas Windstorm Insurance Association, board composition, coastal counties, property insurance, insurance, taxation, Texas Windstorm Insurance Association, Texas FAIR Plan Association
Summary:
The committee meeting addressed several key bills, with significant discussions surrounding HB778, which focuses on insurance coverage for individuals undergoing gender transition and those wishing to detransition. During the presentations, the bill's author, Chairman Leach, emphasized the importance of ensuring coverage for potential adverse effects from gender transition procedures. However, concerns were raised by various witnesses regarding the potential implications of limiting coverage for transgender care, leading to heated debates and a range of testimonies from both supporters and opponents of the bill. HB2517 and HB2213 also received attention, with discussions centered on insurance premiums and board eligibility for the Texas Windstorm Insurance Association, respectively.
TX
Transcript Highlights:
- ...that cost and what it does in terms of paying losses for
- We pay them, even though we're also paying our own losses in the private sector after a storm.
- The losses may be higher in the event of a storm.
losses
- The only way to stabilize the property insurance market is to stop the losses.
Bills:
HB778, HB1266, HB1576, HB2213, HB2517, HB2518, HB2841, HB3306, HB3320, HB3388, HB3508, HB3520, HB3689
Keywords:
credentialing, healthcare, physician assistants, advanced practice nurses, managed care, hurricane, windstorm, loss mitigation, grants, insurance discounts, property retrofitting, insurance, Texas Windstorm Insurance Association, board composition, coastal counties, property insurance, insurance, taxation, Texas Windstorm Insurance Association, Texas FAIR Plan Association
Summary:
The meeting of the House Committee on Insurance revolved around discussions primarily focused on the intricacies of multiple proposed bills aimed at reforming insurance regulations, particularly in the context of windstorm insurance. Chairman Hunter introduced HB3689, which seeks to create a more equitable funding system for the Texas Windstorm Insurance Association by eliminating costly debt financing options. Multiple testimonies from representatives of the insurance industry highlighted collaboration efforts that have resulted in more affordable coverage options for residents in coastal regions. Key stakeholders, including insurance experts and affected constituents, expressed overwhelming support for the proposed changes, emphasizing the urgent need for reform to combat the rising costs that have burdened homeowners over the years. Additionally, discussions around HB1576 focused on incentivizing homeowners to improve the resilience of their properties against weather-related damage through a proposed grant program administered by the Department of Insurance. This proposal was deemed a significant step toward stabilizing insurance costs and encouraging safer construction practices.
TX
Texas 2025 - 89th Regular
89th Legislative Session May 31st, 2025 at 02:05 pm
Texas House Floor Meeting
Transcript Highlights:
- span marker="1216" data-time="7290">And when you look at the involvement of that, I think that can mitigate
- span> Applied to, and I quote, an action taken to prevent or mitigate
- marker="2929" data-time="17568"> And Asher's parents came here to speak about it, to speak about their loss
- It requires compliance with mitigation plans for utilities to allow for liability protection.
- data-time="19134">This bill is designed to provide Texas Parks and Wildlife with a seat at the table to mitigate
Bills:
SB1637, SB1, HB300, SB2601, SB37, HB2011, HB3595, HB3071, SB12, HB3372, SB457, HB2067, SB2337, SB447, SB1506, SB1566, SB763, HB3556, SB13, SB2018, SB331, SB379, HB145, SB441, SB2878, HB2885, HB2017, HB5246, SB8, SB2308, SB1540, HB119, SB1405, SB3059, SB15, SB568
Keywords:
appropriations, budget, state funding, education, healthcare, infrastructure, scholarship, military, higher education, ROTC, Texas Armed Services, landowner compensation, border crime, agriculture damage, law enforcement, crop loss, higher education, curriculum review, governing board, faculty council
Summary:
The meeting involved extensive discussions around several key bills, with highlights focused on the implications of SB12, which emphasized the Texas Parent Bill of Rights. Members debated its potential impacts on educational practices, particularly concerning diversity and inclusion efforts in schools. Concerns were raised about how the removal of DEI programs could adversely affect students with disabilities, particularly those on the autism spectrum. Additionally, SB1506 was addressed, with a significant change proposed to include stricter regulations regarding fentanyl possession, reflecting ongoing concerns about substance abuse in the community.
The meeting was well-attended, featuring participation from multiple representatives expressing opinions regarding these bills. The chair recognized various members to provide input, and all discussions culminated in multiple votes on the proposed conference committee reports. The atmosphere was charged as representatives weighed the consequences of these legislative actions on their constituents. In conclusion, the committee successfully adopted multiple measures and set the stage for further engagement on the legislative agenda ahead.
TX
Transcript Highlights:
- 234">Financial precedents show that in 2022, the Texas Permanent School Fund incurred a $250 million loss
- mandated that state agencies divest from Chinese assets to protect Texans from CCP exposure and mitigate
- Yet many have suffered financial losses due to damages from border-related crimes.
- It would include losses related to livestock, crops, and timber.
- agricultural producers, damages caused by border-related crimes often fall into a frustrating gap where losses
Keywords:
illegal immigration, economic impact, environmental impact, financial impact, annual study, Texas, government report, home-rule municipality, charter amendment, state law, governing body, voter approval, critical infrastructure, utilities, foreign entities, electricity market, administrative penalties, landowner compensation, border crime, agriculture damage
Summary:
The committee meeting focused on a comprehensive discussion of several key legislative bills impacting agriculture, transparency in data regarding illegal immigration, and updates to emergency management infrastructure. Notably, SB2601 emphasized improving compensation processes for agricultural landowners affected by border-related crimes. The bill was presented by Senator Blanco, highlighting the need for a streamlined claims process and better funding mechanisms to support affected landowners and lessees. In a related yet different area, SB825 was presented to address the need for transparency and data collection on the effects of illegal immigration on Texas, leading to intense discussions about its implications on various sectors, including healthcare and education. Witnesses from organizations such as the Texas Public Policy Foundation and the Texas Farm Bureau provided valuable insights both in favor and against the bills, resulting in a dynamic atmosphere during the testimony segment of the meeting. Overall, the discussions were productive, with many members emphasizing the importance of balancing economic growth, security concerns, and the rights of individuals.
TX
Texas 2025 - 89th Regular
Business and Commerce (Part II) Apr 8th, 2025
Senate Business & Commerce Committee
Transcript Highlights:
- ="108">It requires that in their annual rate setting meetings, they establish the probable maximum loss
- It requires the board to set the lowest modeled probable maximum loss
- Probable Maximum Loss as kind of a backup to make sure that
- loss.
- $9 billion in Harvey losses as well.
Keywords:
utility systems, Texas A&M, regents authority, construction, improvement, construction contracts, trust funds, property rights, mechanics lien, contractors, trustee liability, construction contracts, trust funds, mechanic's lien, liability, attorney's fees, windstorm insurance, Texas Windstorm Insurance Association, insurance regulation, administrative penalties
Summary:
The committee meeting revolved around important discussions regarding two significant bills, SB2530 and SB2571, intended to address the funding challenges faced by the Texas Windstorm Insurance Association (TWIA). Senator Milton highlighted the need for reforms due to escalating reinsurance costs that have risen to over 60% of premiums. A notable focus was the proposed dynamic funding model, which aims to reduce reliance on fixed assessments and public securities tied to the current Probable Maximum Loss (PML) structure, allowing funding to adjust based on actual needs. Both bills received mixed responses, with public testimonies citing the potential for increased financial burdens on insurance companies if the assessments were restructured without careful consideration of market conditions.
TX
Transcript Highlights:
It would be in terms of a 10% or greater loss that
- and how we do water loss.
- We can provide technical assistance to communities to not only identify but address their water loss.
- ...when you look at federal efforts to mitigate flood.
- ...mitigation projects, and there were elements of the
Keywords:
infrastructure, water supply, flood mitigation, Texas Water Fund, community projects, funding allocations
Summary:
During this committee meeting, the focus was on discussing critical infrastructure funding, especially related to water supply and flood mitigation projects. Chairwoman Stepney and the Water Development Board presented extensive details regarding the Texas Water Fund, which included $1 billion appropriated to assist various financial programs and tackle pressing water and wastewater issues. Additionally, funding allocations aimed at compromising the state's flood risk and improving water conservation were hotly debated, emphasizing collaboration among committee members and the necessity of addressing community needs in such projects.
TX
Texas 2025 - 89th 1st C.S.
Natural Resources Aug 11th, 2025 at 01:08 pm
House Natural Resources Committee
Transcript Highlights:
- How much investment have we already made in Hidalgo County to address flood mitigation?
- 600 flood mitigation projects, and nearly 900 flood mitigation solutions or strategies, excuse me.
- The FMA, the Flood Mitigation Assistance program, focuses on these efforts.
- Do I understand that there are some flood mitigation resources and dollars?
- These programs could potentially fund an ASR project if there's a flood mitigation component.
Keywords:
flood mitigation, water management, Delta Project, infrastructure, community impact, legislative response, flood infrastructure fund, climate adaptation
Summary:
The meeting of the committee emphasized the urgent need for effective flood mitigation strategies in response to recent severe flooding events in South Texas. Local officials, including Commissioner David Fuentes and General Manager Raul Sassin, presented the devastating impacts of heavy rainfall that inundated homes, destroyed infrastructure, and led to significant loss of life. They discussed the importance of projects like the Delta Region Water Management initiative, which aims to manage stormwater effectively while also addressing future water supply challenges. The legislators reiterated the legislature's ongoing commitment to funding and implementing robust flood management policies, underscoring the significance of community involvement in these efforts. The discussions also highlighted innovative approaches to capturing floodwaters for potable use as part of a broader water management strategy.
TX
Transcript Highlights:
- It would be in terms of a 10% or greater loss that would then...
- ...our best to mitigate the impact on them.
- A team of staff looks at water loss.
- We conduct water loss audits and can provide technical assistance to communities to not only identify
- but also address their water loss.
Keywords:
Texas Water Development Board, water planning process, flood mitigation, state water plan, infrastructure, community needs, collaborative approach, drought
Summary:
The meeting focused on significant discussions surrounding the Texas state water planning process and flood mitigation efforts. During the session, experts presented on the need for an adaptive and collaborative approach to manage Texas's water resources. A particular emphasis was placed on the upcoming updates to the state water plan, which aims to address projected shortages and enhance infrastructure to handle both drought and flood conditions. The collaboration involved regional groups who play a vital role in identifying community needs regarding water infrastructure development.
TX
Transcript Highlights:
- mitigation.
- So it has to be related, reasonably related to the insurance product to provide loss mitigation or loss
- It provides something like post-loss services such as grief counseling.
- On mitigation plans, we also support mitigation.
- This bill would change the funding for losses in 2026 and add...
Bills:
HB106, HB144, HB145, HB252, HB1732, HB2221, HB2467, HB2468, HB2517, HB2518, HB2963, HB3016, HB3689, HB3960, HB4386, HB4490, HB4751, HB5247, HJR175, HB2213
Keywords:
electric utility, distribution poles, inspection, public safety, compliance plan, wildfire mitigation, utilities, electric service, liability, risk management, self-insurance, Texas Division of Emergency Management, employment compensation, state agencies, salary payments, general appropriations, government efficiency, massage therapy, regulation, licensing
Summary:
The Senate Committee on Business and Commerce convened to discuss a wide range of bills, including key pieces of legislation such as HB1922 and HB145, which address utilities' wildfire mitigation efforts. There was a notable emphasis on the importance of strengthening Texas' approach to dealing with electric utility liabilities and improving operational strategies in the event of wildfires. Public testimony was heard, with various stakeholders advocating for and expressing concerns about elements of the proposed regulations, highlighting the nuanced positions citizens and organizations hold regarding energy management and environmental safety. Additionally, several bills were reported favorably to the full Senate, indicating a smooth legislative progress during the meeting.
TX
Transcript Highlights:
- For example, a PA for a GLP-1 weight loss.
- They will deny that coverage if it was for weight loss versus diabetes on that care.
- anticipated loss experience.
- status as a rating factor, the reality is that widowhood could increase costs, not just due to the loss
- change from married to single status does not unduly penalize those who are already dealing with the loss
Bills:
HB712, HB722, HB946, HB1687, HB1809, HB1899, HB2528, HB2583, HB2741, HB2750, HB3021, HB3150, HB3265, HB3658, HB3812, HB3960, HB4392, HB4432
Keywords:
prostate cancer, health benefit plans, insurance coverage, cost sharing, preventive health care, auto insurance, total loss evaluation, disclosure, insurance materials, vehicle appraisal, health benefits, out-of-pocket expenses, government employees, deductibles, medical services, fireworks, public safety, age requirement, permits, occupational licenses
Summary:
The meeting of the committee included discussions concerning various bills primarily related to insurance policies, their regulations, and procedures. Notably, HB3812 was introduced to further streamline the prior authorization process in healthcare, enhancing the ease for practitioners to receive approvals for common procedures. The committee also deliberated over HB2213, which focused on the restructuring of the board of directors for the Texas Windstorm Insurance Association, and there was broad consensus to move it forward. Several other bills, such as HB2518, addressing installment premium payment plans for windstorm insurance, were also discussed and moved to be reported favorably without amendments.
TX
Transcript Highlights:
- of a total loss was basically that...
- They define total loss differently than what I did.
- I've handled thousands of total losses over my career, so most...
- You know, my last two years operating losses have been over two...
- and at a time when the full extent of the loss is not yet known.
Bills:
HB712, HB722, HB946, HB1687, HB1809, HB1899, HB2528, HB2583, HB2741, HB2750, HB3021, HB3150, HB3265, HB3658, HB3812, HB3960, HB4392, HB4432
Keywords:
prostate cancer, health benefit plans, insurance coverage, cost sharing, preventive health care, auto insurance, total loss evaluation, disclosure, insurance materials, vehicle appraisal, health benefits, out-of-pocket expenses, government employees, deductibles, medical services, fireworks, public safety, age requirement, permits, occupational licenses
Summary:
The House Committee on Insurance convened to discuss multiple bills aimed at enhancing consumer protection and improving access to essential services. Notable discussions included HB2528, which seeks to eliminate prior authorization requirements for medications treating substance use disorders, thereby expediting access to crucial treatments for Texans. Representative Boosie laid out HB722, addressing transparency in auto insurance valuation processes, prompting engagement from various witnesses on how current practices potentially exploit consumers. Members voiced concerns about the intersection of bureaucratic delays and the urgency of addiction treatment, emphasizing the bill's potential life-saving implications.
TX
Texas 2025 - 89th Regular
Health and Human Services Mar 18th, 2025
Senate Health & Human Services Committee
Transcript Highlights:
- when looking at the cost of these bollards, it's insignificant compared to the potential injuries and loss
- This meant that with severe memory loss and concussion, I had to repeatedly tell every single provider
- comprehensive statewide protection for healthcare workers, leaving them vulnerable to discrimination, job loss
Keywords:
immunization, written informed consent, civil liability, health care provider, vaccine compensation, administrative penalty, health care, licensing, complaint procedure, disciplinary action, law enforcement, conscience protection, health care services, civil remedy, disciplinary action, health care providers, patient access, hospital safety, emergency room, bollards
Summary:
The meeting of the committee was focused predominantly on various bills concerning healthcare and insurance policies, reflecting significant discussions on how these laws impact the community. Notably, Senate Bill 660 was introduced to enhance safety measures at healthcare facilities, discussing the necessity for bollards to prevent unauthorized vehicular access, highlighting a bipartisan understanding of public safety. Senator West emphasized the importance of these regulations, citing real-world incidents that necessitate such actions. Public testimonies complimented this discussion, providing insight into community needs for enhanced security in hospitals.
TX
Transcript Highlights:
- We had two claims, two large loss claims on a.
- We had two large loss claims on a commercial auto business
- The company says, well, look, these losses are on the books.
- I can't control losses on the roadways.
- Well, because of large losses.
Keywords:
autism, health insurance, coverage, medical treatment, health benefit plan, HIV prevention, prescription drug, prior authorization, health benefits, insurance coverage, insurance, contract termination, property and casualty, insurance agents, discrimination, insurance, appraiser, umpire, licensing requirements, continuing education
Summary:
The meeting of the House Committee on Insurance centered around numerous healthcare-related bills, focusing heavily on issues such as artificial intelligence (AI) in medical determinations, autism insurance coverage, and HIV prevention. Representative Garcia Hernandez presented HB4635, aiming to ensure transparency in the use of AI in medical claim denials, which has become increasingly prevalent. The bill introduces mandates for disclosures on AI algorithms used in decisions, enhancing patient rights and keeping the Texas Department of Insurance informed of potential denials. Public testimony supported the bill as essential for safeguarding Texans from unintended biases in AI applications. Additionally, HB813, presented by Representative Goodwin, garnered attention for its effort to update autism-related insurance mandates, removing outdated age restrictions for therapy coverage. This legislation is seen as a crucial step in accommodating the needs of all individuals on the autism spectrum, regardless of the timing of their diagnosis.
TX
Texas 2025 - 89th Regular
Business and Commerce (Part II) Mar 27th, 2025
Senate Business & Commerce Committee
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.
- We're talking about the cost of the loss. Nobody's overpaid or...
- of arable land and loss of productive land.
- So how many turbines in Texas have had these mitigation measures?
Bills:
SB458, SB819, SB1238, SB1642, SB1643, SB1644, SB1791, SB1810, SB1824, SB1825, SB758, SB1455, SB1706
Keywords:
renewable energy, solar power, wind energy, public interest determination, environmental impact, property rights, Texas Commission on Environmental Quality, insurance, discrimination, marital status, widowers, spousal death, equitable treatment, Texas Department of Insurance, commission appointments, insurance regulation, oversight, consumer advocacy, insurance rates, property insurance
Summary:
The meeting included discussions primarily focused on energy and insurance-related legislation. Senator Schwartner led the committee in reviewing multiple bills, with a notable emphasis on SB819, which faced opposition from various stakeholders, including energy providers and advocacy groups. Testimonies highlighted concerns about regulatory burdens potentially stifling renewable energy projects, which are crucial to Texas's energy needs. Furthermore, the committee examined SB458, aimed at improving the appraisal process for insurance claims, which garnered support from industry representatives for promoting fairness and transparency.
TX
Transcript Highlights:
- ="594"> ...And even though the bill was supposed to increase NPs in rural areas, we actually saw a loss
- What we're seeing is, unfortunately, a loss of access to physicians as physicians are being replaced
- We've been dealing with it for years at Memorial Hermann; we've done lots to mitigate it.
- Have I negotiated a lower rate to try to mitigate the problems with the patient billing?
- Treatment to mitigate long-term hearing loss.
Bills:
HB35, HB4490, HB4454, HB2188, HB3794, HB3078, HB4743, HB2556, HB46, HB5342, HB4783, HB3785, HB1639, HB2581, HB4224, HB4070, HB4099, HB4882, HB5278
Keywords:
peer support, first responders, mental health, confidentiality, emergency services, disclosure, next of kin, public information, deceased persons, privacy rights, patient solicitation, marketing practices, healthcare regulation, task force, deceptive advertising, nurse aide, certification, Texas Board of Nursing, healthcare workforce, nursing standards
Summary:
The meeting convened to discuss various health-related bills, with significant emphasis placed on addressing substance abuse and the associated healthcare challenges in Texas. Notable discussions revolved around HB5342, which aims to sustain 988 operations to aid individuals in crisis, while HB4454 focuses on updating laws to combat unethical patient brokering within substance use treatment programs. Various witnesses, including healthcare professionals, provided testimony supporting these initiatives, highlighting the impact of substance abuse on public health and the necessity for legislative backing in these areas. The committee heard from several members who articulated the urgency of implementing effective measures to address substance abuse, especially with the rising concerns around opioid-related deaths and treatment accessibility in underserved areas.