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ColoradoHB25-13222025 Regular SessionHouseWALLET

Enforce Insurer Compliance Requests Insurance Policy

Sponsored By: Cecelia Espenoza (Democratic), Dylan Roberts (Democratic), Michael Carter (Democratic), Tony Exum (Democratic)

Signed by Governor

Insurance

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Bill Overview

Analyzed Economic Effects

1 provisions identified: 1 benefits, 0 costs, 0 mixed.

Homeowners get payments for late policy copies

Colorado homeowners can request a certified copy of their insurance policy in writing through the insurer's registered agent. The insurer must make the copy available within 30 calendar days after that agent receives the request. If late, the insurer owes you $50 per day starting on day 31 until the copy is available. It also owes reasonable attorney fees and costs you incur enforcing this rule. These protections apply only to requests made on or after the law's effective date. That date is 12:01 a.m. on the day after the 90-day period following final legislative adjournment ends, subject to referendum. If a referendum is filed and voters approve the law in November 2026, it takes effect on the governor's official declaration date.

Sponsors & Cosponsors

Sponsors

  • Cecelia Espenoza

    Democratic • House

  • Dylan Roberts

    Democratic • Senate

  • Michael Carter

    Democratic • House

  • Tony Exum

    Democratic • Senate

Cosponsors

  • Andrew Boesenecker

    Democratic • House

  • Jennifer Bacon

    Democratic • House

  • Sheila Lieder

    Democratic • House

  • Cathy Kipp

    Democratic • Senate

  • Dafna Michaelson Jenet

    Democratic • Senate

  • Judy Amabile

    Democratic • Senate

  • Lisa Cutter

    Democratic • Senate

  • Matt Ball

    Democratic • Senate

  • Mike Weissman

    Democratic • Senate

  • Nick Hinrichsen

    Democratic • Senate

Roll Call Votes

All Roll Calls

Yes: 82 • No: 33

Senate vote • 5/6/2025

Third reading: Bill

Yes: 24 • No: 11

Senate vote • 5/5/2025

Refer House Bill 25-1322 to the Committee of the Whole.

Yes: 5 • No: 2

House vote • 4/25/2025

Third reading: Bill

Yes: 42 • No: 20

House vote • 4/15/2025

Refer House Bill 25-1322, as amended, to the Committee of the Whole.

Yes: 11 • No: 0

Actions Timeline

  1. Governor Signed

    6/3/2025House

  2. Signed by the Speaker of the House

    5/13/2025House

  3. Signed by the President of the Senate

    5/13/2025Senate

  4. Sent to the Governor

    5/13/2025House

  5. Senate Third Reading Passed - No Amendments

    5/6/2025Senate

  6. Senate Committee on Judiciary Refer Unamended to Senate Committee of the Whole

    5/5/2025Senate

  7. Senate Second Reading Special Order - Passed - No Amendments

    5/5/2025Senate

  8. Introduced In Senate - Assigned to Judiciary

    4/28/2025Senate

  9. House Third Reading Passed - No Amendments

    4/25/2025House

  10. House Third Reading Laid Over Daily - No Amendments

    4/24/2025House

  11. House Second Reading Special Order - Passed with Amendments - Committee

    4/23/2025House

  12. House Second Reading Laid Over Daily - No Amendments

    4/21/2025House

  13. House Second Reading Laid Over to 04/21/2025 - No Amendments

    4/17/2025House

  14. House Committee on Judiciary Refer Amended to House Committee of the Whole

    4/15/2025House

  15. Introduced In House - Assigned to Judiciary

    4/4/2025House

Bill Text

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