Colorado
Auto minimums, the FAIR Plan, flood, cancellation notes and wildfire claim protections for people in Colorado.
The insurance posts, sorted by who they are written for.
The Division of Insurance says homeowners and renters policies do not cover flood losses. Flood is a separate NFIP policy, and there is typically a 30-day wait. Rain, outdoor sprinklers, and irrigation are typically excluded. A broken interior pipe can be a different claim. The Division does not regulate federal flood insurance.
The Colorado FAIR Plan writes basic property insurance when licensed standard insurers will not. You need a licensed agent registered with the plan and three declinations. Residential coverage is up to $750,000 and pays actual cash value. Basic perils are fire, lightning, and smoke.
C.R.S. 10-4-110.7(3) requires first-class mail at least 60 days before a homeowners cancellation or nonrenewal, with the reasons. Nonpayment needs at least 10 days, with the reasons. The notice change took effect August 7, 2023.
Questions go to Consumer Services at 303-894-7490, or 800-930-3745 outside the Denver metro area. Complaints go through the Consumer Portal or by mail to 1560 Broadway, Suite 1300, Denver. An unfinished online form is dropped after two hours. Colorado law sets no deadline for the company to answer you.
Colorado requires $25,000, $50,000, and $15,000 of liability coverage. Uninsured and underinsured motorist coverage, and $5,000 of medical payments, are on the policy unless you reject them in writing. The Division does not call the $5,000 coverage PIP.
Colorado law gives wildfire survivors specific claim protections, including 65% of contents coverage without an itemized list and at least two years of living expenses. Here's how they work.
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