Colorado roofing supplement law (2026)
Colorado has no statutory matching requirement, but the Division of Insurance Bulletin B-5.26 directs carriers to act in good faith, which courts have interpreted to support matching claims when partial repair would create visible mismatch.
Colorado has no statutory matching requirement, but the Division of Insurance Bulletin B-5.26 directs carriers to act in good faith, which courts have interpreted to support matching claims when partial repair would create visible mismatch.
Colorado allows both. Hail-prone counties (Front Range) increasingly see ACV-only policies with separate wind/hail deductibles of 1–5% of dwelling coverage.
Recoverable depreciation released upon completion. No statutory deadline, but bad-faith claim available if delay exceeds 60 days.
2 years from date of loss for breach of contract under C.R.S. §13-80-103.5. Supplements should be filed within 30 days of receiving the scope.
Senate Bill 38 (2018) requires roofing contractors to provide a written contract that includes a right-of-rescission. Contractors cannot waive the homeowner's deductible.
Most Front Range jurisdictions adopt the 2021 IRC with local amendments. Class 4 impact-resistant shingles are required in some HOAs and rewarded with insurance discounts but not mandated statewide.
Top carriers in Colorado
- State Farm
- USAA
- Allstate
- American Family
- Farmers
American Family is HQ'd in CO and pays supplements quickly. State Farm has aggressive Colorado hail litigation history — document everything.
Pro tips
- Hail season runs April–September. Largest hail in US falls on the Front Range.
- Class 4 impact-resistant shingles qualify for 5–25% insurance premium discount with most Colorado carriers.
- Colorado SB 38 prohibits deductible waivers — ensure all contracts comply or face license revocation.
Frequently asked questions
Does Colorado require roof matching?
No statutory requirement, but the Colorado Division of Insurance bulletin B-5.26 directs carriers to act in good faith, which generally supports matching when partial repair creates visible mismatch.
Can a Colorado roofer waive my deductible?
No. Colorado Senate Bill 38 (2018) explicitly prohibits roofing contractors from waiving or rebating insurance deductibles.
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