An insurance notice arrived. The date may change your options.
Do not treat every letter as the same event. Cancellation, non-renewal, nonpayment, claim correspondence and underwriting notices can carry different consequences. Identify the notice type, effective date, reason and required response before acting.
Decode My Insurance Notice →Don’t memorize one deadline. Classify the event first.
Colorado has a clear general notice standard for homeowners cancellation and non-renewal, but important exceptions exist. HAVRYO should calculate a timeline only after the notice type and reason are known.
Cancellation or non-renewal?
Cancellation ends coverage before the scheduled expiration. Non-renewal means the insurer declines the next policy term. The practical response can differ.
Read the stated reason
Colorado's homeowners notice rule requires the insurer's notice to specifically state the reasons for the intended action.
Calculate from the actual rule
The general Colorado standard is at least 60 days' advance notice for cancellation or refusal to renew; nonpayment of premium has a separate 10-day notice rule.
Protect the coverage gap
Use the effective date to plan correction, shopping, professional help or last-resort coverage before the current policy ends.
Sixty days is the general rule. Ten days is a critical exception.
Colorado Revised Statutes §10-4-110.7, as amended by HB23-1174, generally requires a homeowners insurer to mail notice at least 60 days before cancellation or refusal to renew and to state the reasons for the action. Cancellation for nonpayment of premium is treated separately, with at least 10 days' notice.
This is why HAVRYO should never display “you have 60 days” before determining what notice the homeowner actually received.
Cancellation / refusal to renew
At least 60 days' advance notice under the homeowners rule, with the reasons for the intended action stated in the notice.
Nonpayment of premium
The statute provides a separate minimum 10-day notice for cancellation based on nonpayment of premium.
Other insurance deadlines may differ
Claims, appeals, wildfire-score processes, complaints and other policy/regulatory events should be checked under their own applicable rule.
C.R.S. §10-4-110.7 · HB23-1174
Colorado General Assembly enacted law and 2026 statutory framework. Always verify the current statute, policy and notice before homeowner action.
A letter should become a timeline and a next action.
This is one of HAVRYO's core product modules: the homeowner identifies the notice, dates and reason; HAVRYO maps the applicable rule, calculates the working timeline and routes the next action.
Decode My Insurance Notice →Classify cancellation, non-renewal, nonpayment, underwriting, claim or other notice.
Sent date, received date, policy expiration and stated effective date.
Jurisdiction + notice type + reason + effective law/date.
Show the homeowner the working response window and coverage-continuity risk.
Correct the issue, contact insurer, shop coverage, seek professional help, appeal or escalate as appropriate.
Insurance decisions have dates. HAVRYO turns them into actions.
Identify the notice. Verify the rule. Protect the deadline. Then take the right next step.
Decode My Insurance Notice →