Colorado

Colorado has enacted 3 CCR 702-5, Regulation 5-1-29 regarding homeowners and property insurance filing requirements for wildfire risk models and mitigation discounts.

The Colorado Division of Insurance adopted Emergency Regulation 26-E-04 to issue a moratorium on certain cancellations and nonrenewals in areas affected by the Aspen Acres Fire. All insurers with existing homeowners insurance policies covering owner-occupied residences in the defined areas must follow the directions provided in the emergency regulation.

On July 17, 2026, the Colorado Division of Insurance (Division) issued Bulletin No. B-5.58 regarding claim handling for Additional Living Expenses, Loss of Use, and similar policy coverages for policyholders displaced by current Colorado wildfires.

On December 8, 2025, the Colorado Department of Regulatory Agencies (DORA) issued Revised Bulletin No. B-10.001 regarding the format of the required attestation for insurers who do not use external consumer data and information sources (ECDIS), or algorithms or predictive models that use ECDIS.

On February 10, 2026, the Colorado Department of Regulatory Agencies issued Bulletin No. B-5.56, providing guidance to all property insurers regarding annual written notices to policyholders on wildfire risk scores and mitigation discounts.

On November 14, 2025, the Colorado Department of Regulatory Agencies (DORA) issued Bulletin No. B-10.005 to address inquiries about the manner and format of the interim report required by Colorado Insurance Regulation 10-1-1 for private passenger auto insurers that use external consumer data and information sources (ECDIS), or algorithms or predictive models that use ECDIS.

On October 31, 2025, the Colorado Department of Regulatory Agencies (DORA) issued Bulletin No. B-5.55 regarding insurer practices following floods that occurred in Pagosa Springs and the southern part of the state.

On October 20, 2025, the Colorado Division of Insurance (DOI) issued Bulletin No. B-5.53 to provide their position on wildfire smoke, soot, ash, odor, and char damage sub-limits.