The Colorado Division of Insurance published a bulletin announcing the adoption of Regulation 5-1-28: Concerning Insurer and Fair Plan Notification and Disclosure Requirements Related to Wildfire Mitigation Actions.
The regulation, effective October 1, 2026, establishes rules for how admitted insurers and the Colorado FAIR Plan must communicate and disclose wildfire mitigation benefits to their policyholders and applicants.
Insurers and the FAIR Plan are required to have on their websites information on mitigation actions that may qualify for premium discounts or incentives. Information on community-wide mitigation efforts should also be available. If no premium discounts are available, it should be published on their website.
Starting July 1, 2026, if a policyholder is being non-renewed due to their wildfire risk score, the score must be included in the non-renewal notice. Policyholders may provide evidence of mitigation actions taken to appeal their wildfire risk score within 30 days of receiving the notice.
The bulletin can be found here.