Colorado insurers that use a wildfire model are required to disclose your score, and for policies renewing on or after October 1, 2026, that disclosure comes with your renewal offer (new policies get it too).PER C.R.S. § 10-4-124 The regulation that spells out how takes effect the same day.PER Reg 5-1-28 § 5.G So if yours hasn’t come, it’s coming at your renewal.
What the letter will say
When it lands, a compliant disclosure should include your wildfire risk score, the primary property features that drove it, information on how to improve it, and how to challenge it. If your letter is missing any of those (the score itself, the reasons, or your appeal rights), that omission is not a small thing. It’s a disclosure gap you can use.
Why being early is an advantage
The homeowners who do best aren’t the ones who react fastest to the letter; they’re the ones who were ready before it arrived. Insurers are publishing their first discount schedules this cycle, and county grant funds tend to run out mid-cycle. A home that walks into its first score with mitigation already documented is appealing from a position of strength, not scrambling from a cold start.
What to do now
1. Assemble your evidence. Dated photos of your roof, the first five feet around the house, and your defensible space; receipts for any mitigation work; any inspection or certification records.
2. Check your county’s grant programs. If there’s fixable risk, grant money often covers the highest-impact work, and those windows close.
3. Enter your address and we’ll tell you what to expect. We’ll set up your file now, so the day your number lands you’re appealing from a documented position instead of starting over.