My insurer won’t renew me
Understand the stated reason, notice, timing and what to verify before choosing the next path.
Open decision path →COLORADO · HOME INSURANCE INTELLIGENCE
Colorado home insurance is changing. Know your next move.
Roof condition, hail exposure, wildfire models, mitigation rules and new state programs can all affect the insurance decision. HAVRYO organizes the problem around what changed — and what a Colorado homeowner can check next.
Hail + roofMajor decision layer
WildfireModels + mitigation
State programsChanging 2026–2027
Local rulesJurisdiction matters
START WITH THE PROBLEM
What changed with your Colorado home insurance?
These are decision pages, not generic articles. Each path will connect the insurance event to the relevant Colorado rules, assistance, mitigation options and professional help.
My roof is causing an insurance problem
Organize roof age, condition, material, inspection and resilient-roof options before spending money.
Open decision path →I have hail or storm damage
Separate damage response, insurance documentation and repair decisions from the longer-term insurability question.
Open decision path →I received a wildfire score or notice
Understand what the insurer used, what mitigation may count and when an appeal or revised score may be relevant.
Open decision path →My coverage or premium changed
Identify whether the issue is price, deductible, settlement basis, coverage terms or a property-specific underwriting concern.
Open decision path →I’m having trouble finding coverage
Map the available next steps without treating a last-resort option as the same thing as the voluntary market.
Open decision path →COLORADO · VERIFIED DATA LAYER
The rules are moving. Dates matter.
HAVRYO separates enacted law from proposals and shows implementation timing instead of turning every headline into an immediate homeowner benefit.
That distinction matters in Colorado right now: some programs are newly enacted, some provisions start later, and at least one prior wildfire grant program was repealed in 2026.
Strengthen Colorado Homes Enterprise
Creates a state enterprise focused heavily on resilient-roof grants and hail/wind loss reduction. The act places at least 85% of fee revenue toward homeowner resilient-roof grants; insurer reporting provisions begin no sooner than 2027 after rules are adopted.
BECAME LAWWildfire risk model transparency and mitigation
Requires specified disclosures and treatment of mitigation when insurers use wildfire models or scores, including notices and a direct appeal path for certain scores/classifications.
IN EFFECTPrior Wildfire Resilient Homes Grant Program repealed
The prior program administered by the Department of Public Safety was repealed. HAVRYO will not present an obsolete program as currently available assistance.
REPEALEDSOURCE STANDARD · Colorado General Assembly / enacted legislation · Jurisdiction: Colorado · Last reviewed: October 2026 · Program availability must be checked before a homeowner relies on funding.
HAVRYO ACTION PLAN · COLORADO
Don’t start with the hazard. Start with what changed.
Tell HAVRYO what happened with your insurance. The Action Plan organizes the next questions around your Colorado situation.
Start Your Colorado Action Plan →