Colorado HB25-1182:Your Right to Wildfire Insurance Discounts
The 2026 transparency law requires insurance companies to reward your home mitigation efforts. We provide the proof you need to lower your risk score.
Colorado HB25-1182 gives homeowners the right to transparency and premium recognition for wildfire mitigation. For too long, insurance companies have set rates based on general risk maps rather than the actual resilience of your home. This page explains how the new law works, what your insurer is now required to disclose, and how our documented "assembly-level" installations provide the proof you need to lower your risk score. Through the Harden Your Home™ Program, Road Home Exteriors helps you turn physical home hardening into measurable insurance savings.
The New Standard for Insurance Transparency
Passed to address the rising cost of home ownership in the Front Range, House Bill 25-1182 (Effective Jan 1, 2026) fundamentally changes the relationship between you and your insurance company. For the first time, insurers are legally required to be transparent about their “wildfire risk models” and provide a pathway for premium reductions through property-specific mitigation.
Under HB25-1182, you now have the right to:
Full Disclosure: Your insurer must provide a “plain-language” explanation of your property’s wildfire risk score.
Mandatory Mitigation Credit: Companies must incorporate your structure hardening efforts (like fire-resistant roofing and siding) into their pricing models.
A Right to Appeal: If you’ve hardened your home and your score doesn’t reflect it, you have a 30-day window to appeal directly to the insurer for a reconsideration.
Moving the Needle on Your Risk Score
Simply telling your insurance agent you have “new siding” isn’t enough to trigger the legal protections of HB25-1182. To move your score from “High Risk” to “Hardened,” you need assembly-level proof. Our program focuses on the specific factors the law requires insurers to account for:
Building Hardening Measures: Documented installation of Class A Roofing Assemblies and Non-Combustible Siding (Fiber Cement or Metal).
Active Ember Mitigation: Proof of ASTM E2886-certified vents in your soffit and fascia to block wind-driven flames.
E-E-A-T Certification: Verification that your home meets recognized standards like the IBHS Wildfire Prepared Home™ designation.
Structure Perimeter Integrity: Implementation of Zone 0 (0–5 ft) hardening to prevent ground-level ignition points.
Road Home Exteriors: Your Partner in Insurance Mitigation
The Harden Your Home™ Program was engineered specifically to satisfy the rigorous documentation requirements of HB25-1182. We don’t just build; we verify.
Insurance-Grade Verification Packet: Upon project completion, we provide a full digital dossier including material ASTM test results, installation photos, and compliance certificates for your carrier.
Risk Score Roadmaps: We help you identify which specific upgrades will have the highest impact on your carrier’s risk model before you spend a dime.
Support for the Appeals Process: If your insurer denies a discount, our technical documentation provides the “evidence of mitigation” required by the state for a formal appeal.
Ready to Harden Your Home?
Upgrading your home’s exterior now is the best way to protect your home, prepare for new wildfire codes, and gain peace of mind. Our team is ready to help you get started.
Where We Offer Wildfire-Ready Exterior Services
Our Service Areas
Road Home Exteriors proudly serves the following Colorado communities:
Arvada
Aurora
Bennett
Boulder
Brighton
Broomfield
Byers
Castle Pines
Castle Rock
Centennial
Commerce City
Conifer
Dacono
Denver
Edgewater
Elizabeth
Englewood
Erie
Evergreen
Federal Heights
Firestone
Fort Lupton
Franktown
Frederick
Golden
Greenwood Village
Gunbarrel
Highlands Ranch
Hudson
Indian Hills
Jefferson County
Ken Caryl
Kiowa
Lakewood
Larkspur
Littleton
Lochbuie
Lone Tree
Longmont
Louisville
Louviers
Morrison
Niwot
Northglenn
Parker
Roxborough Park
Sedalia
Sterling Ranch
Strasburg
Superior
The Pinery
Thornton
Watkins
Wattenberg
Westminster
Wheat Ridge
Frequently Asked Questions
Does HB25-1182 guarantee a lower insurance rate?
No law can guarantee a specific price, but it requires that insurers consider your mitigation. If you harden your home, they must either show how it lowered your score or provide a specific discount.
How do I get my official Wildfire Risk Score?
Under the law, your insurer must provide this score in writing within 15 days of your application or upon your request for a renewal review.
What if my insurance company says they don't offer mitigation discounts?
HB25-1182 states that if an insurer doesn’t have a specific “mitigation model,” they must provide a manual discount to policyholders who prove their property has been hardened.
Will a new roof automatically lower my premium?
Only if it is part of a “Class A Assembly.” We provide the underlayment and flashing documentation to prove your roof meets this high standard.
Is "Defensible Space" enough to get a discount?
While important, HB25-1182 emphasizes Building Hardening (siding, vents, roofing) as a key factor in long-term risk reduction and premium stability.
How long does an insurance company have to respond to my appeal?
They must acknowledge your appeal within 10 days and provide a final decision/reconsideration within 30 days.
What is a "Wildfire Prepared Home™" designation?
It is a national standard from the IBHS. Our program uses these exact benchmarks because HB25-1182 explicitly recognizes this designation as proof of science-based mitigation.
Does this law apply to HOAs or just single-family homes?
It applies to all residential property insurance, including single-family homes, condos, and multi-family residential units.
What role does the Colorado Division of Insurance (DOI) play?
If your insurer denies your appeal without a valid reason, you can escalate the case to the DOI for a formal review of the insurer’s risk model.
When should I request a revised score from my insurer?
As soon as your Harden Your Home™ project is complete. Once you submit our Certificate of Installation, the insurer has 30 days to provide your updated risk score.
What Makes Us Different?
Lifetime Workmanship Warranty
At Road Home Exteriors, we back every project with our Lifetime Workmanship Warranty because we’re confident in the quality of our roofing, siding, and window installations. This warranty covers installation-related issues as long as you have your home, giving you lasting protection without hidden loopholes.
No-Pressure Sales
Our No-Pressure Sales approach means you’ll never feel rushed or pushed into a decision. We’re here to educate, not upsell—giving you the facts so you can choose what’s best for your home. No gimmicks, no “sign-now” discounts—just honest guidance and answers every step of the way.
No Change Order Guarantee
The price we quote is the price you pay—no hidden fees, no surprise change orders. Our No Change Order Guarantee ensures your roofing, siding, or window project stays exactly as planned unless you decide to make changes. We’re committed to clear communication and delivering your project on time and on budget every step of the way.
Do What Is Expected, Then Do More.
This isn’t just a tagline – it’s how we operate every single day. At Road Home Exteriors, we believe the baseline is doing the job right: accurate inspections, honest pricing, quality craftsmanship, and clear communication. But we don’t stop there.
We go further by educating our customers, standing behind our work, and treating every home like it’s our own. From the first consultation to the final walkthrough, our goal is to exceed expectations – not just meet them.