---
type: "Bill"
title: "Property Insurance"
description: "Property Insurance; Requires residential property insurance rate filings to account for windstorm mitigation measures undertaken by policyholders; requires wind uplift prevention to be included in windstorm damage mitigation techniques for residential property insurance rate filings; revises rate change limitations for specified policies written by Citizens Property Insurance Corporation; revises applicability of flood coverage requirements for personal lines residential policyholders of corporation; authorizes corporation to adopt policy forms that provide for resolution of certain disputes in proceedings before Division of Administrative Hearings; provides that such policies are not subject to mandatory binding arbitration provisions; prohibiting a property insurer that requires flood coverage as a condition for wind coverage from denying certain claims except under certain circumstances; requires wind-loss mitigation study conducted by OIR."
jurisdiction: "us/states/fl"
legislature: "Florida Legislature"
session: "2023"
identifier: "HB 799"
citation: "Florida HB 799 (2023)"
classification: ["bill"]
subjects: ["insurance"]
status: "enacted"
chapter_law: "2023-175"
primary_sponsors: ["Griffitts"]
version_count: 6
action_count: 55
vote_count: 6
first_action: "2023-02-14"
last_action: "2023-06-01"
source: "openstates"
source_identifier: "ocd-bill/308b9215-f8a2-41ae-b5a8-14461c3f02eb"
source_url: "https://flsenate.gov/Session/Bill/2023/799/ByCategory"
source_hash: "9cf270c4e0b2d391fc281b1ff0cf7506f227b05211ade5fa1662f348101614c7"
vintage: "2026-07-01"
source_snapshot: "https://data.openstates.org/daily/2026-07-01/public.pgdump"
retrieved_at: "2026-07-06"
confidence: "reported"
tags: ["legislation", "bill", "us-fl"]
---

# Florida HB 799 (2023) — Property Insurance

Property Insurance; Requires residential property insurance rate filings to account for windstorm mitigation measures undertaken by policyholders; requires wind uplift prevention to be included in windstorm damage mitigation techniques for residential property insurance rate filings; revises rate change limitations for specified policies written by Citizens Property Insurance Corporation; revises applicability of flood coverage requirements for personal lines residential policyholders of corporation; authorizes corporation to adopt policy forms that provide for resolution of certain disputes in proceedings before Division of Administrative Hearings; provides that such policies are not subject to mandatory binding arbitration provisions; prohibiting a property insurer that requires flood coverage as a condition for wind coverage from denying certain claims except under certain circumstances; requires wind-loss mitigation study conducted by OIR.

**Enacted** — Laws of Florida, Chapter 2023-175.

## Version chain

The bill's text revisions, in order — the diff chain from filing to enrollment.

1. **H 799 Filed** (filed) — [source](https://flsenate.gov/Session/Bill/2023/799/BillText/Filed/PDF)
2. **H 799 c1** (committee substitute) — [source](https://flsenate.gov/Session/Bill/2023/799/BillText/c1/PDF)
3. **H 799 c2** (committee substitute) — [source](https://flsenate.gov/Session/Bill/2023/799/BillText/c2/PDF)
4. **H 799 c3** (committee substitute) — [source](https://flsenate.gov/Session/Bill/2023/799/BillText/c3/PDF)
5. **H 799 e1** (engrossed) — [source](https://flsenate.gov/Session/Bill/2023/799/BillText/e1/PDF)
6. **H 799 er** (enrolled) — [source](https://flsenate.gov/Session/Bill/2023/799/BillText/er/PDF)

## Votes

- Favorable (Insurance & Banking Subcommittee) — **18–0** (pass) · lower
- Favorable With Amendment(s) (Commerce Committee) — **19–0** (pass) · lower
- Third Reading — **32–7** (pass) · upper
- Favorable With Committee Substitute (State Administration & Technology Appropriations Subcommittee) — **13–0** (pass) · lower
- Passage — **87–28** (pass) · lower
- Passage, Third Reading — **115–0** (pass) · lower

## Sponsors

- Commerce Committee — primary (organization)
- Griffitts — primary (person)
- Insurance & Banking Subcommittee — primary (organization)
- State Administration & Technology Appropriations Subcommittee — primary (organization)
- Barnaby — cosponsor (person)
- Canady — cosponsor (person)
- Chaney — cosponsor (person)
- Leek — cosponsor (person)
- Roth — cosponsor (person)

## Timeline

The legislative action history — every referral, reading, and vote.

- **2023-02-14** Filed `filing`
- **2023-02-21** Referred to Insurance & Banking Subcommittee `referral-committee`
- **2023-02-21** Referred to State Administration & Technology Appropriations Subcommittee `referral-committee`
- **2023-02-21** Referred to Commerce Committee `referral-committee`
- **2023-02-21** Now in Insurance & Banking Subcommittee
- **2023-03-07** PCS added to Insurance & Banking Subcommittee agenda
- **2023-03-07** 1st Reading (Original Filed Version) `filing, reading-1`
- **2023-03-09** Favorable with CS by Insurance & Banking Subcommittee `committee-passage-favorable`
- **2023-03-09** Reported out of Insurance & Banking Subcommittee
- **2023-03-09** Laid on Table under Rule 7.18(a) `deferral`
- **2023-03-09** CS Filed `filing`
- **2023-03-09** Referred to State Administration & Technology Appropriations Subcommittee `referral-committee`
- **2023-03-09** Referred to Commerce Committee `referral-committee`
- **2023-03-09** Now in State Administration & Technology Appropriations Subcommittee
- **2023-03-09** 1st Reading (Committee Substitute 1) `reading-1`
- **2023-03-27** Added to State Administration & Technology Appropriations Subcommittee agenda
- **2023-03-29** Favorable with CS by State Administration & Technology Appropriations Subcommittee `committee-passage-favorable`
- **2023-03-30** Reported out of State Administration & Technology Appropriations Subcommittee
- **2023-03-30** Laid on Table under Rule 7.18(a) `deferral`
- **2023-03-30** CS Filed `filing`
- **2023-03-30** 1st Reading (Committee Substitute 2) `reading-1`
- **2023-03-31** Referred to Commerce Committee `referral-committee`
- **2023-03-31** Now in Commerce Committee
- **2023-04-13** PCS added to Commerce Committee agenda
- **2023-04-18** Favorable with CS by Commerce Committee `committee-passage-favorable`
- **2023-04-20** Reported out of Commerce Committee
- **2023-04-20** Laid on Table under Rule 7.18(a) `deferral`
- **2023-04-20** CS Filed `filing`
- **2023-04-20** Bill referred to House Calendar
- **2023-04-20** Bill added to Special Order Calendar (4/25/2023)
- **2023-04-20** 1st Reading (Committee Substitute 3) `reading-1`
- **2023-04-25** Read 2nd time `reading-2`
- **2023-04-25** Placed on 3rd reading `reading-3`
- **2023-04-25** Added to Third Reading Calendar
- **2023-04-26** Read 3rd time `reading-3`
- **2023-04-26** CS passed; YEAS 115, NAYS 0 `passage`
- **2023-04-26** In Messages
- **2023-04-26** Referred to Fiscal Policy `referral-committee`
- **2023-04-26** Received `enrolled`
- **2023-05-01** Withdrawn from Fiscal Policy `withdrawal`
- **2023-05-01** Placed on Calendar, on 2nd reading
- **2023-05-01** Substituted for CS/CS/SB 594
- **2023-05-01** Read 2nd time `reading-2`
- **2023-05-01** Amendment(s) adopted (140692, 593712)
- **2023-05-01** Read 3rd time `reading-3`
- **2023-05-01** CS passed as amended; YEAS 32 NAYS 7 `passage`
- **2023-05-01** In Messages
- **2023-05-03** Added to Senate Message List
- **2023-05-03** Amendment 140692 Concur
- **2023-05-03** Amendment 593712 Concur
- **2023-05-03** CS passed as amended; YEAS 87, NAYS 28 `passage`
- **2023-05-03** Ordered engrossed, then enrolled `enrolled`
- **2023-05-16** Signed by Officers and presented to Governor `executive-receipt`
- **2023-05-31** Approved by Governor `executive-signature`
- **2023-06-01** Chapter No. 2023-175; companion bill(s) passed, see CS/CS/SB 154 (Ch. 2023-203), SB 2502 (Ch. 2023-240)

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/308b9215-f8a2-41ae-b5a8-14461c3f02eb`. Confidence: reported (aggregated from official Florida legislature records).