Address Florida's property insurance crisis and work to lower property insurance costs.

Frederica S. Wilson · Florida · Democratic

policy impact 0.81 specificity 0.89 extraction confidence 94%

Commitment kind: unknown. Promised action: not established. Promised outcome: not established. Deadline: unknown; not assumed expired.

Occurrences

Congresswoman Wilson is committed to addressing the property insurance crisis that plagues Florida. That’s why she introduced the Homeowner’s Defense Act and has led the fight to lower property insurance costs.

Wilson commits to tackling Florida's property insurance crisis and reducing insurance costs.

Housing | Congresswoman Frederica Wilson
primary · campaign_site · model gpt-5.4-mini

H.R.827 - To ensure the availability and affordability of homeowners' insurance coverage for catastrophic events.

Wilson sponsored legislation aimed at making homeowners' insurance more available and affordable for catastrophic events, which aligns with addressing Florida's property insurance crisis and lowering insurance costs.

H.R.827 - 119th Congress (2025-2026): To ensure the availability and affordability of homeowners' insurance coverage for catastrophic events. | Congress.gov | Library of Congress
primary · other · model gpt-5.4-mini

"That’s why I introduced the Homeowners’ Defense Act and convened a policy briefing, because we need real solutions to this crisis. ... It’s time we tackle this issue head-on."

Wilson says she is pursuing legislation and action to address Florida's property insurance crisis and reduce costs.

Policy Briefing on the Property Insurance Crisis Hosted by Congresswoman Frederica Wilson | Congresswoman Frederica Wilson
secondary · other · model gpt-5.4-mini

Evidence

unverified · Source version 6998 · locator unknown

The House office states that Wilson is committed to addressing Florida's property insurance crisis, says she introduced the Homeowner's Defense Act, and says she has led the fight to lower property insurance costs.

Unverified model/legacy excerpt; not proof. AI summary (separate from source): Official office language shows Wilson publicly prioritizing property insurance and claiming legislative action on the issue.

partial same_term A for effort

Housing | Congresswoman Frederica Wilson
primary · model gpt-5.4-mini · confidence 94%

unverified · Source version 7005 · locator unknown

Wilson's office says she hosted a policy briefing on the property insurance crisis in Florida and across the nation and says she introduced the Homeowners' Defense Act because real solutions are needed.

Unverified model/legacy excerpt; not proof. AI summary (separate from source): She took a concrete public step in 2025 by convening a briefing and tying it to introduced legislation on the insurance problem.

partial same_term A for effort

Policy Briefing on the Property Insurance Crisis Hosted by Congresswoman Frederica Wilson | Congresswoman Frederica Wilson
secondary · model gpt-5.4-mini · confidence 93%

unverified · Source version 7006 · locator unknown

Congress.gov shows H.R. 3997 was introduced by Rep. Wilson on June 9, 2023, referred to the House Committee on Financial Services, and has the status Introduced.

Unverified model/legacy excerpt; not proof. AI summary (separate from source): Wilson advanced a specific bill addressing homeowners' insurance affordability, but it did not move beyond introduction and committee referral.

never same_term A for effort

H.R.3997 - Homeowners' Defense Act of 2023 | Congress.gov
secondary · model gpt-5.4-mini · confidence 98%

unverified · Source version 7007 · locator unknown

Congress.gov shows H.R. 827 was introduced by Rep. Wilson on January 28, 2025, referred to the House Committee on Financial Services, and still had the status Introduced.

Unverified model/legacy excerpt; not proof. AI summary (separate from source): Wilson repeated the same policy push in a new Congress, but the measure remained only introduced and had not become law as of the source record.

never same_term A for effort

H.R.827 - Homeowners' Defense Act of 2025 | Congress.gov
secondary · model gpt-5.4-mini · confidence 99%

unverified · Source version 97854 · locator unknown

Latest Action: House - 01/28/2025 Referred to the House Committee on Financial Services.

Unverified model/legacy excerpt; not proof. AI summary (separate from source): The official action history verifies committee referral, replacing the previously failed bill-text retrieval. Wilson’s sponsorship demonstrates concrete effort, but the record establishes no enactment or resulting premium reductions. No new delivery action was located for September 24–October 23, 2026. With the 119th Congress ongoing and no documented promise deadline, the attempt remains unresolved rather than never delivered.

unresolved unknown A for effort

Actions - H.R.827 - 119th Congress (2025-2026): Homeowners’ Defense Act of 2025 | Congress.gov | Library of Congress
secondary · model gpt-6.1-sol · confidence 96%

Assessments

Public state: unverified As of unknown · legacy_unverified · . Original AI recommendation (not independently established): never. same_term A for effort

Wilson made concrete federal efforts toward the promise, including introducing the Homeowners' Defense Act in 2023 and again in 2025 and hosting a 2025 policy briefing on the property insurance crisis. However, the cited bills remained at the introduced/referred stage and there is no evidence that a federal measure she wrote, sponsored, or materially advanced became law or otherwise lowered Florida property insurance costs. Because the promised outcome was not delivered despite serious legislative effort, this is best scored as never with an effort badge.

provider codex_cli · model gpt-5.5 · confidence 90%

Public state: unverified As of unknown · legacy_unverified · . Original AI recommendation (not independently established): never. same_term A for effort

Wilson made concrete same-term efforts to address Florida's property insurance crisis, including introducing the Homeowners' Defense Act in 2023 and 2025 and hosting a 2025 policy briefing. However, the cited bills remained at the introduced/referred stage and there is no evidence that the promised outcome, lower property insurance costs or enacted federal relief, was delivered. Under the rule for serious but unsuccessful legislative attempts, this is classified as never with an effort badge.

provider codex_cli · model gpt-5.5 · confidence 93%