Colorado Roof and Home Insurance Rules

The short answer

In Colorado, your insurer must notify you at least 60 days before your renewal date if it won’t renew, and the notice must state a specific reason. Hail is a big reason Colorado insurers look closely at roofs.

Notice rules

30 days: notice of non-renewal at least 30 days before the renewal date.
Specific reason: the notice must state a specific reason.
Cancellation: 30 days’ notice in most cases, 10 days for non-payment.

Hail and older roofs

Many Colorado insurers raise deductibles for wind and hail, or move older roofs to actual cash value.
Impact-resistant roofing, often Class 4 shingles, may earn discounts. Ask your insurer.
Keep proof of your roof age and condition.

If you lose coverage

Shop around. One insurer’s decision doesn’t mean others will do the same.
Colorado has a FAIR Plan for homeowners who can’t find coverage elsewhere. See the Division of Insurance website for details.
Call the Colorado Division of Insurance consumer services line at 303-894-7490 if a non-renewal seems inappropriate or you can’t find coverage.

Good to know

Read your renewal for a separate wind and hail deductible, often a percentage of your home’s value. It can be much larger than your regular deductible.

Want a local roofer to take a look?

A local roofer can check your roof and tell you whether a repair, a roof certification, or a replacement makes sense. Free, with no obligation.

Talk to someone about my roof

Independent consumer education. We may earn a fee or commission when you contact a partner or buy through links on this site, at no extra cost to you.

Common questions

Can I file a complaint?

Yes. The Colorado Division of Insurance accepts complaints online at doi.colorado.gov.

Does a new impact-resistant roof help?

It often makes a home easier and cheaper to insure in hail areas. Ask your insurer for a quote before you choose materials.

Laws and insurer rules change. This page is general information, not legal advice. Last reviewed October 2026.