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Water damage accounts for at least a third of all home insurance claims each year.

In addition to addressing rising costs and claims transparency, the reforms also tackle condo and co-op safety.

Millennials, known for their digital-savvy preferences, are helping spur the adoption of smart home technology, with forecasts predicting that 48% of U.S. households will use smart home devices by 2025.

Despite their ruling, the Colorado Court of Appeals added that "this case may present an opportunity for our supreme court to provide clarity on this question."

The governor indicated the insurance session would try to "bring some sanity and stabilize and have a functioning market."

The homeowners claimed blasting vibrations from a nearby quarry caused interior and exterior cracking to their home's foundation.

Recently, many private insurers in the state have sought large rate increases and have dropped customers.

As legislators fail, insolvencies mount, capacity grows tighter, and agents' jobs get increasingly tougher in the Sunshine State.