The deadlines an insurer is held to

Subsections (6) and (7) turn disclosure into dates. An insurer that gives a mitigation discount, or that uses a wildfire risk model or score to underwrite, nonrenew, price, create a rate differential or surcharge, owes annual written notice of the applicable discounts, the wildfire risk score, and any other classification used — with a plain-language explanation, the range of possible scores, the property's relative position within that range, a written explanation of why the property received its score identifying the primary features that drove it, and the impact each mitigation action could have.

Delivery is on a schedule:

Applicants: no later than fifteen days after submission of a completed application.
Policyholders: in the offer of renewal.
Policyholders not being offered renewal: with the nonrenewal notice — so a nonrenewed association is entitled to see the score that produced the nonrenewal.
After new mitigation: no later than thirty days after a request for a revised score.

Subsection (8) creates the appeal. A policyholder or applicant whose score, classification or mitigation discount is inaccurate, and who provides evidence of the mitigation action, may appeal directly to the insurer. The insurer must acknowledge receipt in writing within ten calendar days and respond in writing with a reconsideration and decision within thirty calendar days. If it denies the appeal, it must forward the appeal and its response to the Commissioner on request.

Subsection (5) requires the insurer to post on its public website the mitigation actions that could earn a discount, incentive or premium adjustment, the amount of each, and the appeal process. That lets a board price the mitigation before spending on it.

What changes at the next renewal

This is the most actionable item of the year for a Colorado association in the wildland-urban interface, and the sequence is straightforward.

Demand the score and the written explanation. On an application it is due within fifteen days. On a renewal it must be in the renewal offer.

Inventory the community's mitigation and get it on paper. Fuel-reduction projects with dates, acreage, contractor, before-and-after photographs and invoices. Community or neighbourhood designations and certifications. Work done on adjacent land by the county, the fire district or the state — that is community-level mitigation the association did not pay for and can still point to.

Issue owners a standard evidence packet. The association's own mitigation work now has cash value to every member in proximity to it, but only if each owner can attach proof to a renewal or an appeal. Build the packet once; hand it out with the renewal calendar.

If mitigation has been completed since the last renewal, request a revised score. Thirty days for an answer.

If the score or the discount is wrong, appeal in writing and diary ten days for the acknowledgment and thirty for the decision.

For a condominium or attached community, run the same play on the master policy. Subsection (10) is what makes that possible — though whether a particular master-policy form falls inside “property insurance policies covering residential condominium units” is a question for the board's broker and counsel on that policy, not something a column can answer.

What to watch next

The Division of Insurance has built two regulations on top of this statute. Regulation 5-1-28, which takes effect October 1, 2026, is the consumer-facing half — and it names HOA-issued mitigation letters and community-level mitigation certificates as evidence an insurer must be willing to consider. Regulation 5-1-29, effective January 1, 2027, is the regulator-facing half, forcing carriers to show the Division in their rate filings exactly where mitigation sits in the model and to justify each discount actuarially.

Set expectations honestly, though. The Division's own analysis found wildfire mitigation currently has the potential to save a Colorado consumer an average of $3 to $25 a year, against $82 to $387 for hail mitigation — and drew the conclusion itself that the “lack of available discounts for wildfire mitigation work” means other solutions must be considered. Mitigation's value in availability — being offered a policy at all — is a separate and much larger question than its value in price.