By: Jennifer Milne

There are a number of reasons a homeowner may need to review a complete copy of their insurance policy, including to understand their coverage, rights, and obligations if they are considering filing a claim.

Earlier this year, I was asked by the Colorado Trial Lawyers Association to present testimony to the Judiciary Committees of the Colorado legislature in support of a bill to protect the rights of Colorado homeowners. On June 3, 2025, Governor Polis signed Colorado HB 25-1322 (formally titled, “Enforce Insurer Compliance Requests Insurance Policy”) into law, to become effective in August 2025. The new law ensures transparency and accountability for homeowners who request a certified copy of their policy.

Since 2013, Colorado law has required insurance companies to provide a complete copy of their policy to homeowners upon request. C.R.S. § 10-4-110.8(10). Unfortunately, the law carried no penalties for carriers who failed to comply with those requests and homeowners had no remedy to pursue. HB 25-1322 modified the existing law to establish a procedure for making these requests and an enforcement mechanism for carriers who fail to timely comply.

What the Bill Does

1. Clarifies the procedure for requesting a certified copy of the policy. Policyholders must submit a written request to the insurance carrier’s registered agent. C.R.S. 10-4-110.8(10)(b). A list of registered agents, updated monthly, can be found on the Division of Insurance’s website.
2. Reinforces the deadline for the carrier to provide a certified copy of the policy. The carrier must make a certified copy of the policy available to the policyholder within thirty days after the request is received by the registered agent. C.R.S. 10-4-110.8(10)(b).
3. Establishes a penalty for carriers who do not timely comply. Carriers who do not make the certified copy of the policy available within the thirty-day deadline are now liable to homeowners for a penalty in the amount of $50 per day until the copy of the policy is made available. C.R.S. § 10-4-110.8(10)(c)(I).
4. Covers the legal costs of policyholders who need to enforce their rights. Carriers who violate the duty to timely provide a certified copy of the policy are also responsible for the reasonable attorney fees and costs that a homeowner incurs to enforce their rights under the statute. C.R.S. § 10-4-110.8(10)(II).

If you have questions about your homeowners insurance claim, contact Hailey | Hart to explore your options.