PRIA Logo™
ColoradoSB26-1552026 Regular SessionSenateWALLET

Increase Access Homeowner's Insurance Enterprise

Sponsored By: Janice Marchman (Democratic), Julie McCluskie (Democratic), Kyle Brown (Democratic), Kyle Mullica (Democratic)

Signed by Governor

Business & Economic DevelopmentHousingInsuranceProfessions & Occupations

Personalized for You

How does this bill affect your finances?

Personalize government policy and PRIA will tell you what this bill means for your household, plus every other piece of legislation we track. PRIA reads each provision against your financial profile to show you exactly what matters to your wallet.

Free to download

Bill Overview

Analyzed Economic Effects

4 provisions identified: 1 benefits, 0 costs, 3 mixed.

Homeowners get roof grants with limits

Colorado homeowners can receive resilient-roof grants for insurable homes covered by homeowners insurance, but awards depend on available funds. At least 90% of insurer fee revenue goes to homeowner grants; individual award amounts are not set. Primary homes get priority, with income, weather risk, roof age, home size, local hail-resistant building codes, and demand considered. Grants cover wind or hail damage repairs, reconstruction, or preventive roof upgrades—not general maintenance or unrelated repairs. Homeowners must obtain required permits, follow building codes, and arrange and pay for required inspections. Roofs must meet board standards, and contractors must be Colorado-licensed and meet roofing association membership or equivalent board criteria. Participating contractors cannot waive insurance deductibles and must repair rather than replace roofs when appropriate under board rules.

Training grants for resilient roof workers

The Enterprise can give individuals grants for training and certification to install or certify resilient roofs. Awards are not guaranteed, and individual grant amounts are not specified. Workforce grants, a high-risk wildfire insurance study, and Enterprise administration together cannot use more than 3% of fee revenue. Authority for the wildfire study ends July 1, 2031.

Insurer fees fund homeowner roof grants

Beginning January 1, 2027, covered insurers pay an annual fee of 0.5% of their prior-year Colorado multiperil homeowners premiums. The state's FAIR insurance plan is exempt, and insurers cannot bill policyholders for the fee as a separate charge. Total fee revenue cannot exceed $100 million over the Enterprise's first five fiscal years. The board can reduce or suspend collections to meet that cap or prevent an insurer from becoming insolvent. Fees support roof grants through the new Strengthen Colorado Homes Enterprise, which can also accept grants and issue revenue bonds.

Roof savings discounts and insurer reporting

For rate filings submitted on or after January 1, 2027, insurers must show that resilient-roof savings reach homeowners through discounts or lower premiums. Covered insurers must also file annual roof and claim reports after the insurance commissioner adopts rules, no sooner than January 1, 2027. Reports include policy counts, resilient roofs, roof discounts, and wind and hail claim frequency and severity. They compare homes with and without resilient roofs; reporting alone does not change coverage or premiums.

Sponsors & Cosponsors

Sponsors

  • Janice Marchman

    Democratic • Senate

  • Julie McCluskie

    Democratic • House

  • Kyle Brown

    Democratic • House

  • Kyle Mullica

    Democratic • Senate

Cosponsors

  • Andrew Boesenecker

    Democratic • House

  • Amy Paschal

    Democratic • House

  • Brianna Titone

    Democratic • House

  • Chad Clifford

    Democratic • House

  • Emily Sirota

    Democratic • House

  • Gretchen Rydin

    Democratic • House

  • Junie Joseph

    Democratic • House

  • Karen McCormick

    Democratic • House

  • Kenny Nguyen

    Democratic • House

  • Katie Stewart

    Democratic • House

  • Lesley Smith

    Democratic • House

  • Monica Duran

    Democratic • House

  • Meg Froelich

    Democratic • House

  • Mandy Lindsay

    Democratic • House

  • Manny Rutinel

    Democratic • House

  • Naquetta Ricks

    Democratic • House

  • Sean Camacho

    Democratic • House

  • Sen. A. Benavidez

    Affiliation unavailable

  • Cathy Kipp

    Democratic • Senate

  • Dylan Roberts

    Democratic • Senate

  • Judy Amabile

    Democratic • Senate

  • James Coleman

    Democratic • Senate

  • Lisa Cutter

    Democratic • Senate

  • Lindsey Daugherty

    Democratic • Senate

  • Marc Snyder

    Democratic • Senate

  • Tony Exum

    Democratic • Senate

Roll Call Votes

All Roll Calls

Yes: 151 • No: 62

Senate vote • 5/13/2026

House amendments: Repass

Yes: 23 • No: 12

Senate vote • 5/13/2026

House amendments: Concur

Yes: 35 • No: 0

House vote • 5/12/2026

Third reading: Bill

Yes: 43 • No: 22

House vote • 5/9/2026

Refer Senate Bill 26-155, as amended, to the Committee of the Whole.

Yes: 8 • No: 3

House vote • 5/7/2026

Refer Senate Bill 26-155, as amended, to the Committee on Appropriations.

Yes: 7 • No: 3

Senate vote • 4/29/2026

Third reading: Bill

Yes: 22 • No: 12

Senate vote • 4/24/2026

Adopt amendment J.001

Yes: 3 • No: 4

Senate vote • 4/24/2026

Refer Senate Bill 26-155 to the Committee of the Whole.

Yes: 4 • No: 3

Senate vote • 4/14/2026

Refer Senate Bill 26-155, as amended, to the Committee on Appropriations.

Yes: 6 • No: 3

Actions Timeline

  1. Governor Signed

    6/4/2026House

  2. Signed by the President of the Senate

    5/20/2026Senate

  3. Signed by the Speaker of the House

    5/20/2026House

  4. Sent to the Governor

    5/20/2026House

  5. Senate Considered House Amendments - Result was to Concur - Repass

    5/13/2026Senate

  6. House Third Reading Passed - No Amendments

    5/12/2026House

  7. House Second Reading Special Order - Passed with Amendments - Committee, Floor

    5/11/2026House

  8. House Committee on Appropriations Refer Amended to House Committee of the Whole

    5/9/2026House

  9. House Committee on Finance Refer Amended to Appropriations

    5/7/2026House

  10. Senate Third Reading Passed - No Amendments

    4/29/2026Senate

  11. Introduced In House - Assigned to Finance

    4/29/2026House

  12. Senate Second Reading Passed with Amendments - Committee, Floor

    4/28/2026Senate

  13. Senate Committee on Appropriations Refer Unamended to Senate Committee of the Whole

    4/24/2026Senate

  14. Senate Committee on Finance Refer Amended to Appropriations

    4/14/2026Senate

  15. Introduced In Senate - Assigned to Finance

    4/7/2026Senate

Bill Text

  • Engrossed

    PDF

  • Final Act

    PDF

  • House Finance Preamend

    PDF

  • Introduced

    PDF

  • Reengrossed

    PDF

  • Rerevised

    PDF

  • Revised

    PDF

  • Senate Finance Preamend

    PDF

  • Signed Act

    PDF

Related Bills

Back to State Legislation