Committee advances bill to require insurers to disclose wildfire risk‑score methods and account for mitigation

The House Business and Labor Committee advanced House Bill 11‑82, a measure aimed at increasing transparency in wildfire risk scoring used by insurers and at ensuring that homeowner and community mitigation efforts are reflected in insurance availability and premiums.

"This bill requires insurers to provide information to policyholders and the state about the wildfire models and scores," Representative Marc Titone told the panel in opening remarks, summarizing the sponsors' stated goal of increased transparency and accountability in wildfire risk modeling.

Sponsors said Colorado homeowners and local governments are investing millions in mitigation — fuels treatments, defensible‑space work and home hardening — but lack a clear pathway to have those investments reflected in private insurers' risk assessments. Testimony from county and local officials documented large scale…