All Roll Calls
Yes: 178 • No: 61
ColoradoHB25-11822025 Regular SessionHouseWALLET
Risk Model Use in Property Insurance Policies
Sponsored By: Brianna Titone (Democratic), Cleave Simpson (Republican), Kyle Brown (Democratic), Lisa Cutter (Democratic)
Signed by Governor
Insurance
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Bill Overview
Analyzed Economic Effects
3 provisions identified: 2 benefits, 0 costs, 1 mixed.
Homeowners gain wildfire score appeal rights
Insurers must send annual, plain-language notices when wildfire scores or prevention discounts affect pricing or coverage decisions. Notices explain the score range, your position, property features behind the score, and how each prevention action affects it. They must also explain that insurers can use different models and score ranges. Applicants receive scores within 15 days after a completed application; policyholders receive them at renewal or with a nonrenewal notice. After property prevention work or proof of community protection since the last application or renewal, policyholders can request updated scores. Insurers must provide those scores within 30 days. Applicants and policyholders can appeal inaccurate scores, classifications, or discounts by providing evidence of property or community prevention work. Insurers must give written appeal instructions, acknowledge appeals within 10 calendar days, and issue written decisions within 30 calendar days. After a denial, the insurer must send the appeal and response to Colorado's insurance commissioner upon request. These rights cover home, condo-unit, and multifamily policies, including FAIR Plan coverage, issued or renewed beginning July 1, 2026. A referendum petition filed within 90 days after final adjournment delays the start until November 2026 voter approval and the governor's declaration.
Wildfire prevention counts toward home insurance
Insurers using wildfire or catastrophe models must account for property and community wildfire prevention in their models or otherwise in pricing and coverage decisions. If their models do not include this work, they must give discounts for verified property work or nearby community protection. The law sets no discount amount or guaranteed savings for households whose prevention work is included in models. Insurers must publicly post qualifying actions, discount amounts, other premium adjustments, and wildfire score appeal instructions. These rules cover Colorado home, condo-unit, and multifamily policies, including FAIR Plan coverage, issued or renewed beginning July 1, 2026. A referendum petition filed within 90 days after final adjournment delays the start. In that case, the law takes effect only after November 2026 voter approval and the governor's declaration.
Insurance models face review, stay confidential
Insurers using wildfire models, catastrophe models, or risk-scoring methods must submit them in complete rate filings to Colorado insurance regulators. Filings must explain rate effects, support pricing factors and prevention discounts with insurance calculations, and describe use in coverage decisions. As data is available and rules require, filings must explain whether and how models account for statewide wildfire prevention. This includes forest treatment, firefighting and prevention equipment, and utility wildfire work approved under a Public Utilities Commission plan. Submitted models are protected as trade secrets and are not available through Colorado's public-records law. The insurance commissioner can adopt rules to carry out the law. The requirements cover home, condo-unit, and multifamily policies, including FAIR Plan coverage, issued or renewed beginning July 1, 2026. A referendum petition filed within 90 days after final adjournment delays the start until November 2026 voter approval and the governor's declaration.
Sponsors & Cosponsors
Sponsors
Brianna Titone
Democratic • House
Cleave Simpson
Republican • Senate
Kyle Brown
Democratic • House
Lisa Cutter
Democratic • Senate
Cosponsors
Andrew Boesenecker
Democratic • House
Bob Marshall
Democratic • House
Chad Clifford
Democratic • House
Jennifer Bacon
Democratic • House
Junie Joseph
Democratic • House
Javier Mabrey
Democratic • House
Julie McCluskie
Democratic • House
Katie Stewart
Democratic • House
Monica Duran
Democratic • House
Mandy Lindsay
Democratic • House
Naquetta Ricks
Democratic • House
Rep. S. Bird
Affiliation unavailable
Tammy Story
Democratic • House
Sen. F. Winter
Affiliation unavailable
Katie Wallace
Democratic • Senate
Roll Call Votes
House vote • 4/11/2025
Senate amendments: Concur
Yes: 44 • No: 18
House vote • 4/11/2025
Senate amendments: Repass
Yes: 42 • No: 20
Senate vote • 4/4/2025
Third reading: Bill
Yes: 33 • No: 1
Senate vote • 4/1/2025
Refer House Bill 25-1182, as amended, to the Committee of the Whole and with a recommendation that it be placed on the consent calendar.
Yes: 6 • No: 0
House vote • 3/20/2025
Third reading: Bill
Yes: 45 • No: 18
House vote • 3/13/2025
Refer House Bill 25-1182, as amended, to the Committee of the Whole.
Yes: 8 • No: 4
Actions Timeline
Governor Signed
5/28/2025HouseSent to the Governor
5/2/2025HouseSigned by the Speaker of the House
5/1/2025HouseSigned by the President of the Senate
5/1/2025SenateHouse Considered Senate Amendments - Result was to Concur - Repass
4/11/2025HouseHouse Considered Senate Amendments - Result was to Laid Over Daily
4/6/2025HouseSenate Third Reading Passed - No Amendments
4/4/2025SenateSenate Second Reading Special Order - Passed with Amendments - Committee
4/3/2025SenateSenate Committee on Business, Labor, & Technology Refer Amended - Consent Calendar to Senate Committee of the Whole
4/1/2025SenateIntroduced In Senate - Assigned to Business, Labor, & Technology
3/25/2025SenateHouse Third Reading Passed - No Amendments
3/20/2025HouseHouse Second Reading Special Order - Passed with Amendments - Committee, Floor
3/19/2025HouseHouse Second Reading Laid Over Daily - No Amendments
3/18/2025HouseHouse Committee on Business Affairs & Labor Refer Amended to House Committee of the Whole
3/13/2025HouseIntroduced In House - Assigned to Business Affairs & Labor
2/10/2025House
Bill Text
Engrossed
Final Act
Introduced
Reengrossed
Rerevised
Revised
Signed Act