# Colorado HB25-1182: Risk Model Use in Property Insurance Policies Colorado HB25-1182, Risk Model Use in Property Insurance Policies, is a 2025 Regular Session House bill sponsored by Brianna Titone (Democratic), Cleave Simpson (Republican), Kyle Brown (Democratic) and 1 others; status signed, last action 2025-05-28 (Governor Signed); PRIA reads it as touching household money (as of 2026-10-16). - Canonical: https://policyrisk.com/state-bill/CO-HB25-1182-2025A - As of: 2026-10-16 - Plain-text twin of the page above; the HTML and this file carry the same facts. ## Facts - Bill: Colorado HB25-1182 - State: Colorado - Session: 2025 Regular Session - Title: Risk Model Use in Property Insurance Policies - Status: signed - Chamber: House - Introduced: 2025-02-10 - Last action: 2025-05-28, Governor Signed - Sponsors: Brianna Titone (Democratic), Cleave Simpson (Republican), Kyle Brown (Democratic), Lisa Cutter (Democratic) - Cosponsors: 15 - Subjects: Insurance - Touches household money: yes - Roll calls: 6 (178 yes, 61 no in all) - Economic provisions PRIA read: 3 ## Summary No summary available. ## Bill overview: provisions PRIA read - Homeowners gain wildfire score appeal rights: benefit, low. 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 ca… - Wildfire prevention counts toward home insurance: benefit, low. 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… - Insurance models face review, stay confidential: mixed, low. 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 decis… ## Sponsors and cosponsors - Sponsor: Brianna Titone (Democratic), House - Sponsor: Cleave Simpson (Republican), Senate - Sponsor: Kyle Brown (Democratic), House - Sponsor: Lisa Cutter (Democratic), Senate - Cosponsor: Andrew Boesenecker (Democratic), House - Cosponsor: Bob Marshall (Democratic), House - Cosponsor: Chad Clifford (Democratic), House - Cosponsor: Jennifer Bacon (Democratic), House - Cosponsor: Junie Joseph (Democratic), House - Cosponsor: Javier Mabrey (Democratic), House - Cosponsor: Julie McCluskie (Democratic), House - Cosponsor: Katie Stewart (Democratic), House - Cosponsor: Monica Duran (Democratic), House - Cosponsor: Mandy Lindsay (Democratic), House - Cosponsor: Naquetta Ricks (Democratic), House - Cosponsor: Rep. S. Bird - Cosponsor: Tammy Story (Democratic), House - Cosponsor: Sen. F. Winter - Cosponsor: Katie Wallace (Democratic), Senate ## Roll call votes | Date | Chamber | Motion | Result | Yes | No | Other | | --- | --- | --- | --- | --- | --- | --- | | 2025-04-11 | House | Senate amendments: Concur | pass | 44 | 18 | | | 2025-04-11 | House | Senate amendments: Repass | pass | 42 | 20 | | | 2025-04-04 | Senate | Third reading: Bill | pass | 33 | 1 | | | 2025-04-01 | Senate | 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. | pass | 6 | 0 | | | 2025-03-20 | House | Third reading: Bill | pass | 45 | 18 | | | 2025-03-13 | House | Refer House Bill 25-1182, as amended, to the Committee of the Whole. | pass | 8 | 4 | | ## Actions (15) - 2025-05-28: Governor Signed (House) - 2025-05-02: Sent to the Governor (House) - 2025-05-01: Signed by the Speaker of the House (House) - 2025-05-01: Signed by the President of the Senate (Senate) - 2025-04-11: House Considered Senate Amendments - Result was to Concur - Repass (House) - 2025-04-06: House Considered Senate Amendments - Result was to Laid Over Daily (House) - 2025-04-04: Senate Third Reading Passed - No Amendments (Senate) - 2025-04-03: Senate Second Reading Special Order - Passed with Amendments - Committee (Senate) - 2025-04-01: Senate Committee on Business, Labor, & Technology Refer Amended - Consent Calendar to Senate Committee of the Whole (Senate) - 2025-03-25: Introduced In Senate - Assigned to Business, Labor, & Technology (Senate) - 2025-03-20: House Third Reading Passed - No Amendments (House) - 2025-03-19: House Second Reading Special Order - Passed with Amendments - Committee, Floor (House) - 2025-03-18: House Second Reading Laid Over Daily - No Amendments (House) - 2025-03-13: House Committee on Business Affairs & Labor Refer Amended to House Committee of the Whole (House) - 2025-02-10: Introduced In House - Assigned to Business Affairs & Labor (House) ## Bill text - Engrossed: [PDF](https://leg.colorado.gov/bill_files/83737/download) - Final Act: [PDF](https://leg.colorado.gov/bill_files/83658/download) - Introduced: [PDF](https://leg.colorado.gov/bill_files/83755/download) - Reengrossed: [PDF](https://leg.colorado.gov/bill_files/83717/download) - Rerevised: [PDF](https://leg.colorado.gov/bill_files/83678/download) - Revised: [PDF](https://leg.colorado.gov/bill_files/83698/download) - Signed Act: [PDF](https://leg.colorado.gov/bill_files/40750/download) ## Related bills - SB25-279: Colorado Code of Military Justice Updates (signed) - HB25-1307: Updating Technical References in Education Law (signed) - HB25-1234: Utility Consumer Protection (signed) - SB25-167: Invest State Funds to Benefit Communities (signed) - SB25-163: Battery Stewardship Programs (signed) - SB25-261: Property Tax Deferral Program Administration (signed) ## Sources - [Engrossed (PDF)](https://leg.colorado.gov/bill_files/83737/download) - [Final Act (PDF)](https://leg.colorado.gov/bill_files/83658/download) - [Introduced (PDF)](https://leg.colorado.gov/bill_files/83755/download) - [Reengrossed (PDF)](https://leg.colorado.gov/bill_files/83717/download) - [Rerevised (PDF)](https://leg.colorado.gov/bill_files/83678/download) - [Revised (PDF)](https://leg.colorado.gov/bill_files/83698/download) - [Signed Act (PDF)](https://leg.colorado.gov/bill_files/40750/download) ## Related - [SB25-279: Colorado Code of Military Justice Updates](https://policyrisk.com/state-bill/CO-SB25-279-2025A) - [HB25-1307: Updating Technical References in Education Law](https://policyrisk.com/state-bill/CO-HB25-1307-2025A) - [HB25-1234: Utility Consumer Protection](https://policyrisk.com/state-bill/CO-HB25-1234-2025A) - [SB25-167: Invest State Funds to Benefit Communities](https://policyrisk.com/state-bill/CO-SB25-167-2025A) - [SB25-163: Battery Stewardship Programs](https://policyrisk.com/state-bill/CO-SB25-163-2025A) - [SB25-261: Property Tax Deferral Program Administration](https://policyrisk.com/state-bill/CO-SB25-261-2025A) - [Colorado bills](https://policyrisk.com/states/colorado/bills) - [Colorado state hub](https://policyrisk.com/states/colorado) - [All state legislation](https://policyrisk.com/state-bills) Source: PRIA, https://policyrisk.com/state-bill/CO-HB25-1182-2025A (as of 2026-10-16).