You hardened the home. Now verify what the insurer actually rewards.
Mitigation can reduce physical risk without automatically producing the same insurance discount from every carrier. Start with the improvement, identify the documentation, then verify carrier-specific eligibility, amount and renewal treatment.
Check My Mitigation Benefit →
Mitigation can be valuable even when the discount is uncertain.
HAVRYO should never sell a retrofit by manufacturing an insurance payback. The homeowner may gain resilience, eligibility, compliance or better underwriting treatment even when a premium discount is small, delayed, carrier-specific or unavailable.
Define the mitigation
Identify exactly what was installed or completed and which hazard it addresses.
Build the evidence file
Keep contractor records, product specifications, permits, inspections, photos and certifications that support the improvement.
Verify insurer treatment
Ask how the carrier recognizes the mitigation, what documentation it requires and whether a discount or other underwriting treatment applies.
Calculate only confirmed value
Separate verified premium impact from grants, tax benefits, physical risk reduction and other reasons for the project.
Colorado is making roof discounts more visible in insurer data.
SB26-155 became law in 2026. No sooner than January 1, 2027, and after the Insurance Commissioner adopts rules, multiperil homeowners insurers must make annual filings that report the number of homes with resilient roof systems, the discount applied because of those systems, and wind/hail claim experience.
This creates a future data layer for HAVRYO: carrier × mitigation × discount × effective period × source. It does not justify inventing a discount today.
Resilient-roof discount reporting
The enacted act requires insurer reporting of discounts applied to homes because of resilient roof systems, subject to the 2027-and-rules timing.
Not one statewide discount percentage
The law's reporting framework does not create a single universal homeowner discount amount across all carriers.
Track discounts by carrier and date
Store carrier, qualifying mitigation, required proof, benefit, jurisdiction/effective period, source and last-verified date.
Colorado General Assembly · SB26-155
Enacted summary and signed act. Carrier filings and implementing rules should be rechecked as they become effective.
Don’t ask “Does mitigation save money?” Ask what this carrier recognizes.
The future checker can combine property improvement + evidence + carrier + policy period and return only traceable benefits—plus grants, programs and professional next steps where relevant.
Open HAVRYO Action Plan →What mitigation was completed or is being considered?
What evidence exists to support eligibility?
Identify the carrier and when the benefit would need to apply.
Discount, underwriting treatment or no confirmed benefit found.
Keep insurance savings separate from grants, tax incentives and resilience value.
Improve the home for real reasons. Count only real insurance savings.
Verify the carrier rule, required evidence and effective period before turning mitigation into a payback calculation.
Check My Mitigation Benefit →