State research / decision file
Identify the insurer category before using wildfire guidance
Colorado DORA’s October 12, 2026 bulletin describes wildfire risk-model transparency and mitigation provisions under HB25-1182. Its stated scope includes admitted insurers and the Colorado FAIR Plan and excludes surplus-lines insurers. Start by identifying the insurer category and applicable property form; mitigation evidence is useful, but a page about a state measure does not promise a particular premium or acceptance decision.
Take these questions to the licensed partner
- Is the proposed insurer admitted, FAIR Plan or surplus lines, and does this provision apply to the form?
- What mitigation verification and risk-model information can be requested under the applicable process?
Editorial source review: October 24, 2026. The note identifies questions to verify with the actual policy and responsible authority; it is not a licensed policy or legal review.
Build the local part of the file
These five existing location references add official resources, local scope notes and selected FEMA community records. They are a starting set, not a statewide directory or an address-level hazard assessment.
Denver, Colorado →
Denver publishes floodplain permit submittal requirements. Use the document as a preparation list for the project team, and confirm the current submittal package and engineering information for the site before work begins.
Colorado Springs, Colorado →
The Pikes Peak Regional Building Department describes the jurisdictions and services it covers. Verify both the building-review authority and the floodplain authority for the address rather than assuming the regional department handles every local function.
Boulder, Colorado →
Boulder’s floodplain development page addresses improvements and structures extending into the floodplain. Include decks, roof overhangs and other projecting work on the site plan when asking what review applies.
Fort Collins, Colorado →
Fort Collins’ flooding resource discusses permits and repair preparation. Ask Utilities which local floodplain information and approvals apply before committing to repair timing or an insurance construction-to-occupancy transition.
Greeley, Colorado →
Greeley’s floodplain page identifies the Cache la Poudre River as a local regulatory reference and points to eTrakit applications. Ask which mapping and permit process apply to the parcel, not simply whether it is near the river.
Ask which wildfire assessment rules apply
In its October 12, 2026 bulletin, Colorado DOI describes new wildfire-model transparency and mitigation provisions for the stated homeowner context. It distinguishes admitted insurers and the FAIR Plan from non-admitted or surplus-lines insurers.
Colorado Division of Insurance / DORA: official guidance →
Source checked October 24, 2026. Scope: Time-sensitive homeowner-program guidance. Confirm whether the property, form, insurer and transaction fall within the rules; no blanket rental eligibility, discount or legal deadline is asserted here.
- Which insurer and policy category are being offered?
- If the rules apply, where is the property assessment and applicable review information?
- Which verified mitigation evidence is recognized in this actual proposal?
Start with the official regulator
Colorado insurance regulator resource →
Use official sources for license checks, consumer information and current complaint procedures. A state resource page does not establish that an insurer accepts your property or that the referral partner serves every location. Confirm those details before relying on an offer.
Describe the property rather than a state average
Record the exact address and jurisdiction, units, construction, roof and systems, ownership entity, actual occupancy and intended work. Tell the partner about guest stays, vacancy, renovations and any other use change.
Ask for property-specific rebuilding/valuation information and actual premium proposals. This page does not publish an undated state premium average, market return or a presumed legal coverage requirement.
Questions to take into a quote review
- Which forms, entities and property uses are accepted?
- What causes of damage are included or excluded, and are flood or other hazards separate?
- What deductibles apply, on which contractual dollar basis?
- How are the building, roof, owner contents and liability handled?
- What covered event triggers any rental-value protection?
- What conditions govern vacancy, construction, extensions and effective dates?
Keep an address evidence record
Record the exact jurisdiction within Colorado, source URL, observation date, geographic unit, finding and unresolved question. A state resource, a city statistic and a parcel inspection describe different things. Keep the lender condition and insurer response in separate fields.
| Decision | Evidence to obtain | Who confirms it |
|---|---|---|
| Coverage and licensing | Actual proposal; official regulator directory | Licensed partner / regulator |
| Floodplain and permits | Current official records and address-specific questions | Local floodplain or building authority |
| Rebuilding and condition | Estimate, inspection and specialist findings | Appropriate qualified professional |
| Rent and cash assumptions | Comparable leases, concessions, expenses and financing | Owner with documented sources |
NAIC official jurisdiction directory → · Evidence methodology · Download the blank evidence CSV
Keep law, lender conditions and policy terms separate
A lender condition, a state rule and an insurer’s underwriting requirement are not interchangeable. Ask which source creates a requirement and retain its current wording. This resource does not give a universal renovation mandate, security-deposit rule or notice period.
For flood questions, use the flood guide and the lender’s actual requirements. For a coverage review, use the comparison worksheet.