Colorado is the first state to write a wildfire score appeal right into statute rather than regulation. If a score or model played a role in your nonrenewal, the insurer owes you written notice, a plain-language explanation, and an appeal path with deadlines.
Last reviewed August 1, 2026 · Part of the nonrenewal guide
Signed May 28, 2025. Effective July 1, 2026.
The appeal right is written around one thing you control. You can contest the score if you believe it is inaccurate and can produce evidence of the mitigation work you have done. The legislature did not create a right to argue with a model. It created a right to put documentation of your actual property against the model's output.
Which means the homeowner who documented the cleared defensible space, the roof, the vents, before or right after the letter arrived, is the homeowner the statute was written for.
Door two is always open: shopping the market through an independent agent. A dated, verifiable record of the home's condition and mitigation is a concrete thing an agent can put in front of the next carrier's underwriter, whatever the last carrier decided. Some homes place immediately; some route through surplus lines first and come back to the standard market later.
How the other states compare: the state-by-state tracker.
Sealed Home Record turns an hour of walking your property into a sealed, tamper-evident, date-verified photographic record with a certificate and a permanent verification link. It is built to be the evidence the appeal runs on, and the documentation the next underwriter can verify. It does not stop or reverse a nonrenewal, and it does not decide your appeal. It puts a dated record in the file where before there was only the model's word.
$59 a year founding price until September 1, 2026, locked in for life. $69 a year after. One property, unlimited sealed captures.
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