Notice of Adoption - B-5.56 Guidance for Insurers Regarding Annual Written Notice to Policyholders on Risk Scores and Mitigation Discounts and Request for Comment on Draft Proposed New Bulletin Concerning Use of Aerial Imagery by Insurers in Decision Making

The Division would like to provide notice that the Commissioner has adopted the following revised bulletin:

• Bulletin B-5.56 Guidance for Insurers Regarding Annual Written Notice to Policyholders on Risk Scores and Mitigation Discounts

The purpose of this bulletin is to provide guidance to all property insurers, including the FAIR Plan, required to provide applicants upon application and policyholders annually, a plain language notice required by § 10-4-124, C.R.S. that discloses their property’s wildfire risk score or classification, the insurer’s wildfire risk score range, any available mitigation discounts, and appeal rights.

This bulletin is effective on February 10, 2026.

This bulletin, and other Division bulletins, can be found on the Division's website via the following link:

DOI Colorado Insurance Bulletins

The Division is seeking comments on the following draft proposed new bulletin:

• DRAFT Proposed New Bulletin B-5.XX Position Concerning Use of Aerial Imagery by Insurers in Decision Making

The purpose of this bulletin is to inform property and casualty insurers issuing policies in Colorado of the Division of Insurance's position regarding insurers' use of aerial imagery in underwriting, pricing, or claims service.

Please submit your comments on this draft proposed new bulletin no later than 5 PM, February 20, 2026, via the following link:

 Submit Comments

This draft proposed new bulletin, as well as other draft regulations and bulletins currently released for informal public comment, can be found on the Division's website via the button below:

 DOI Draft Regulations and Bulletins for Comment

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