Bill Commons

CO SB 155

enacted

Increase Access Homeowner's Insurance Enterprise

Colorado · 2026 Regular Session · upper

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Quick answers

Did CO SB 155 pass?

Yes. CO SB 155 has been enacted into law. Latest recorded action (2026-06-04): Governor Signed

What is CO SB 155 about?

The act creates the strengthen Colorado homes enterprise (enterprise), which is a government-owned business created in the division of insurance (division) in the department of regulatory agencies. The enterprise is governed by a 7-member board (board), including the commissioner of insurance (commissioner), or their designee; members with expertise in home hardening, risk mitigation, resilient roof systems, and insurance underwriting or actuarial analysis; and members representing the interests of insurance companies, consumers, and counties.     The primary purpose of the enterprise is to impose and collect an annual fee (fee) from an admitted insurance company that offers multiperil homeowner's insurance policies in the state and is subject to certain filing requirements with the division, not including the fair access to insurance requirements association (insurer).     The enterprise shall use fee revenue to provide business services to insurers that pay the fee, including:Reducing insurer losses and administrative expenses due to hail damage claims by defraying the cost of retrofitting residential property by providing grants for the installation of resilient roof systems (grants). At least 85% of the fee revenue must be used for grants to Colorado homeowners to retrofit residential property to reduce insurer losses due to hail and windstorms.Analyzing data on hail losses to identify areas of the state to target for installation of resilient roof systems;Setting standards for resilient roof systems and awarding workforce training grants for installing and certifying resilient roof systems;Creating codes of conduct for roofing contractors to ensure roofs are properly and appropriately installed;Evaluating roofing protocols to ascertain if the protocols meet science-based, certifiable standards; Conducting or contracting with a third party to conduct a study to analyze insurance risk in high-risk wildfire areas of the state; andImproving market stability throughout the state.     Beginning in the 2027 calendar year, the amount of the fee imposed and collected by the enterprise is an amount equal to 0.5% of the total premium collected by an insurer on multiperil homeowner's insurance policies in the state in the immediately preceding calender year. The insurer shall not surcharge the fee amount to policyholders. The enterprise may lower or cease collecting the fee from an insurer in any calendar year to ensure that total fee revenue does not exceed $100 million in the first 5 years of the enterprise's existence.          In awarding grants, the board shall prioritize homes that are the homeowner applicant's (applicant) primary residence and shall consider other criteria, including applicant income, the age of the roof, the size of the home, the number of grant applicants, whether the home is in a locality with hail-resistant building codes, and whether the applicant lives in a location that has historically had a higher susceptibility to extreme weather events. In order to ensure the necessary workforce, fee revenue may also be used to award grants to defray the costs of training and certification related to installing and certifying resilient roof systems. A contractor that is awarded bids and receives money from a grant is prohibited from waiving homeowner's insurance deductibles.     In addition, the board shall use fee revenue to conduct or contract with a third party to conduct a study to analyze insurance risk in high-risk wildfire areas of the state, including an analysis of market competition in those areas and the impact of a high risk program on the potential losses in the high-risk wildfire areas of the state and the availability of homeowner's insurance in those areas. The board or third party conducting the study shall engage with relevant stakeholders that include, at a minimum, representatives of reinsurers and reinsurance brokers, insurers writing homeowner's insurance contracts or policies in Colorado, individuals with expertise in complex financial instruments and debt instruments, and consumers or other individuals with expertise in wildfire mitigation. The board shall send the study to certain committees of the general assembly.          The board shall adopt rules and policies for the regulation of the enterprise's affairs and the conduct of enterprise business, including standards for resilient roof systems and standards for contractor-specialized training in the installation of impact-resistant roof systems.     No sooner than January 1, 2027, and upon the commissioner adopting rules, an insurer offering multiperil homeowner's insurance for property or risks located in the state is required to submit an annual filing to the commissioner that includes the number of policies in force, the number of homes that have installed a resilient roof system, the discount applied to homes due to the presence of a resilient roof system, and the wind and hail claims frequency and severity for homes with and without a resilient roof system.     $66,250 is appropriated from the legal services cash fund to the department of law to provide legal services to the department of regulatory agencies to implement the act. The appropriation is from revenue received from the department of regulatory agencies that is continuously appropriated to the department of regulatory agencies from the strengthen Colorado homes enterprise fund. The appropriation to the department of law is based on an assumption that the department of law will require an additional 0.3 FTE to implement the act.(Note: This summary applies to this bill as enacted.)

Who sponsors CO SB 155?

J. McCluskie, K. Brown, K. Mullica and 1 others are the primary sponsors of CO SB 155, joined by 26 cosponsors.

Description

The act creates the strengthen Colorado homes enterprise (enterprise), which is a government-owned business created in the division of insurance (division) in the department of regulatory agencies. The enterprise is governed by a 7-member board (board), including the commissioner of insurance (commissioner), or their designee; members with expertise in home hardening, risk mitigation, resilient roof systems, and insurance underwriting or actuarial analysis; and members representing the interests of insurance companies, consumers, and counties.     The primary purpose of the enterprise is to impose and collect an annual fee (fee) from an admitted insurance company that offers multiperil homeowner's insurance policies in the state and is subject to certain filing requirements with the division, not including the fair access to insurance requirements association (insurer).     The enterprise shall use fee revenue to provide business services to insurers that pay the fee, including:Reducing insurer losses and administrative expenses due to hail damage claims by defraying the cost of retrofitting residential property by providing grants for the installation of resilient roof systems (grants). At least 85% of the fee revenue must be used for grants to Colorado homeowners to retrofit residential property to reduce insurer losses due to hail and windstorms.Analyzing data on hail losses to identify areas of the state to target for installation of resilient roof systems;Setting standards for resilient roof systems and awarding workforce training grants for installing and certifying resilient roof systems;Creating codes of conduct for roofing contractors to ensure roofs are properly and appropriately installed;Evaluating roofing protocols to ascertain if the protocols meet science-based, certifiable standards; Conducting or contracting with a third party to conduct a study to analyze insurance risk in high-risk wildfire areas of the state; andImproving market stability throughout the state.     Beginning in the 2027 calendar year, the amount of the fee imposed and collected by the enterprise is an amount equal to 0.5% of the total premium collected by an insurer on multiperil homeowner's insurance policies in the state in the immediately preceding calender year. The insurer shall not surcharge the fee amount to policyholders. The enterprise may lower or cease collecting the fee from an insurer in any calendar year to ensure that total fee revenue does not exceed $100 million in the first 5 years of the enterprise's existence.          In awarding grants, the board shall prioritize homes that are the homeowner applicant's (applicant) primary residence and shall consider other criteria, including applicant income, the age of the roof, the size of the home, the number of grant applicants, whether the home is in a locality with hail-resistant building codes, and whether the applicant lives in a location that has historically had a higher susceptibility to extreme weather events. In order to ensure the necessary workforce, fee revenue may also be used to award grants to defray the costs of training and certification related to installing and certifying resilient roof systems. A contractor that is awarded bids and receives money from a grant is prohibited from waiving homeowner's insurance deductibles.     In addition, the board shall use fee revenue to conduct or contract with a third party to conduct a study to analyze insurance risk in high-risk wildfire areas of the state, including an analysis of market competition in those areas and the impact of a high risk program on the potential losses in the high-risk wildfire areas of the state and the availability of homeowner's insurance in those areas. The board or third party conducting the study shall engage with relevant stakeholders that include, at a minimum, representatives of reinsurers and reinsurance brokers, insurers writing homeowner's insurance contracts or policies in Colorado, individuals with expertise in complex financial instruments and debt instruments, and consumers or other individuals with expertise in wildfire mitigation. The board shall send the study to certain committees of the general assembly.          The board shall adopt rules and policies for the regulation of the enterprise's affairs and the conduct of enterprise business, including standards for resilient roof systems and standards for contractor-specialized training in the installation of impact-resistant roof systems.     No sooner than January 1, 2027, and upon the commissioner adopting rules, an insurer offering multiperil homeowner's insurance for property or risks located in the state is required to submit an annual filing to the commissioner that includes the number of policies in force, the number of homes that have installed a resilient roof system, the discount applied to homes due to the presence of a resilient roof system, and the wind and hail claims frequency and severity for homes with and without a resilient roof system.     $66,250 is appropriated from the legal services cash fund to the department of law to provide legal services to the department of regulatory agencies to implement the act. The appropriation is from revenue received from the department of regulatory agencies that is continuously appropriated to the department of regulatory agencies from the strengthen Colorado homes enterprise fund. The appropriation to the department of law is based on an assumption that the department of law will require an additional 0.3 FTE to implement the act.(Note: This summary applies to this bill as enacted.)

Introduced
2026-04-07
Latest action
2026-06-04 — Governor Signed
Bill type
bill
Last updated
—

Subjects

Sponsors

  • J. McCluskiesponsor
  • K. Brownsponsor
  • K. Mullicasponsor
  • J. Marchmansponsor
  • G. Rydincosponsor
  • M. Rutinelcosponsor
  • N. Rickscosponsor
  • A. Paschalcosponsor
  • K. Nguyencosponsor
  • K. McCormickcosponsor
  • M. Lindsaycosponsor
  • J. Josephcosponsor
  • M. Froelichcosponsor
  • M. Durancosponsor
  • C. Cliffordcosponsor
  • B. Titonecosponsor
  • A. Boeseneckercosponsor
  • M. Snydercosponsor
  • D. Robertscosponsor
  • C. Kippcosponsor
  • T. Exumcosponsor
  • L. Daughertycosponsor
  • L. Cuttercosponsor
  • J. Colemancosponsor
  • A. Benavidezcosponsor
  • J. Amabilecosponsor
  • S. Camachocosponsor
  • K. Stewartcosponsor
  • L. Smithcosponsor
  • E. Sirotacosponsor

Committees

Not provided by source.

Action timeline

Newest first

  1. 2026-06-04

    Governor Signed

    executive-signature

  2. 2026-05-20

    Signed by the President of the Senate

    passage

  3. 2026-05-20

    Signed by the Speaker of the House

    passage

  4. 2026-05-20

    Sent to the Governor

    executive-receipt

  5. 2026-05-13

    Senate Considered House Amendments - Result was to Concur - Repass

  6. 2026-05-12

    House Third Reading Passed - No Amendments

    passage,reading-3

  7. 2026-05-11

    House Second Reading Special Order - Passed with Amendments - Committee, Floor

  8. 2026-05-09

    House Committee on Appropriations Refer Amended to House Committee of the Whole

    committee-passage,referral-committee

  9. 2026-05-07

    House Committee on Finance Refer Amended to Appropriations

    referral-committee

  10. 2026-04-29

    Senate Third Reading Passed - No Amendments

    passage,reading-3

  11. 2026-04-29

    Introduced In House - Assigned to Finance

    introduction

  12. 2026-04-28

    Senate Second Reading Passed with Amendments - Committee, Floor

    reading-2

  13. 2026-04-24

    Senate Committee on Appropriations Refer Unamended to Senate Committee of the Whole

    committee-passage,referral-committee

  14. 2026-04-14

    Senate Committee on Finance Refer Amended to Appropriations

    referral-committee

  15. 2026-04-07

    Introduced In Senate - Assigned to Finance

    introduction

Versions

Documents

Votes

  • Adopt amendment L.005 (Attachment K)

    2026-04-14 · pass · 0-0

  • Adopt amendment L.001 (Attachment G)

    2026-04-14 · pass · 0-0

  • Adopt amendment L.006 (Attachment L)

    2026-04-14 · pass · 0-0

  • Adopt amendment L.002 (Attachment H)

    2026-04-14 · pass · 0-0

  • Refer Senate Bill 26-155, as amended, to the Committee on Appropriations.

    2026-04-14 · pass · 0-0

    Member-level votes (9)
    • Adrienne Benavidez: yes
    • Scott Bright: no
    • Lisa Frizell: no
    • Chris Kolker: yes
    • Kyle Mullica: yes
    • Cleave Simpson: no
    • Marc Snyder: yes
    • Janice Marchman: yes
    • Cathy Kipp: yes

  • Adopt amendment L.004 (Attachment J)

    2026-04-14 · pass · 0-0

  • Adopt amendment L.003 (Attachment I)

    2026-04-14 · pass · 0-0

  • Refer Senate Bill 26-155 to the Committee of the Whole.

    2026-04-24 · pass · 0-0

    Member-level votes (7)
    • Julie Gonzales: yes
    • Barbara Kirkmeyer: no
    • Chris Kolker: yes
    • Larry Liston: no
    • Byron Pelton: no
    • Jeff Bridges: yes
    • Judy Amabile: yes

  • Adopt amendment J.001

    2026-04-24 · fail · 0-0

    Member-level votes (7)
    • Julie Gonzales: no
    • Barbara Kirkmeyer: yes
    • Chris Kolker: no
    • Larry Liston: no
    • Byron Pelton: no
    • Jeff Bridges: yes
    • Judy Amabile: yes

  • BILL

    2026-04-29 · pass · 0-0

    Member-level votes (36)
    • Amabile: yes
    • Baisley: no
    • Ball: yes
    • Benavidez: yes
    • Bridges: yes
    • Bright: no
    • Carson: no
    • Catlin: no
    • Cutter: yes
    • Danielson: excused
    • Daugherty: yes
    • Exum: yes
    • Frizell: no
    • Gonzales J.: yes
    • Hinrichsen: yes
    • Jodeh: yes
    • Kipp: yes
    • Kirkmeyer: no
    • Kolker: yes
    • Lindstedt: yes
    • Liston: no
    • Marchman: yes
    • Mullica: yes
    • Pelton B.: no
    • Pelton R.: no
    • Rich: no
    • Roberts: yes
    • Rodriguez: yes
    • Simpson: no
    • Snyder: yes
    • Sullivan: yes
    • Wallace: yes
    • Weissman: yes
    • Zamora Wilson: no
    • Coleman: yes
    • President: yes

  • Refer Senate Bill 26-155, as amended, to the Committee on Appropriations.

    2026-05-07 · pass · 0-0

    Member-level votes (11)
    • Max Brooks: no
    • Sean Camacho: yes
    • Lorena Garcia: yes
    • Ryan Gonzalez: excused
    • Anthony Hartsook: no
    • Bob Marshall: yes
    • Matt Soper: no
    • Rebekah Stewart: yes
    • Yara Zokaie: yes
    • Brianna Titone: yes
    • Steven Woodrow: yes

  • Adopt amendment L.012 (Attachment I)

    2026-05-07 · pass · 0-0

  • Adopt amendment L.014 (Attachment K)

    2026-05-07 · pass · 0-0

  • Adopt amendment L.016 (Attachment M)

    2026-05-07 · pass · 0-0

  • Adopt amendment L.015 (Attachment L)

    2026-05-07 · pass · 0-0

  • Adopt amendment L.013 (Attachment J)

    2026-05-07 · pass · 0-0

  • Adopt amendment J.003

    2026-05-09 · pass · 0-0

  • Refer Senate Bill 26-155, as amended, to the Committee of the Whole.

    2026-05-09 · pass · 0-0

    Member-level votes (11)
    • Andrew Boesenecker: yes
    • Junie Joseph: yes
    • Karen McCormick: yes
    • Chris Richardson: no
    • Matt Soper: no
    • Rick Taggart: no
    • Brianna Titone: yes
    • Elizabeth Velasco: yes
    • Yara Zokaie: yes
    • Emily Sirota: yes
    • Kyle Brown: yes

  • CONCUR

    2026-05-13 · pass · 0-0

    Member-level votes (36)
    • Amabile: yes
    • Baisley: yes
    • Ball: yes
    • Benavidez: yes
    • Bridges: yes
    • Bright: yes
    • Carson: yes
    • Catlin: yes
    • Cutter: yes
    • Danielson: yes
    • Daugherty: yes
    • Exum: yes
    • Frizell: yes
    • Gonzales J.: yes
    • Hinrichsen: yes
    • Jodeh: yes
    • Kipp: yes
    • Kirkmeyer: yes
    • Kolker: yes
    • Lindstedt: yes
    • Liston: yes
    • Marchman: yes
    • Mullica: yes
    • Pelton B.: yes
    • Pelton R.: yes
    • Rich: yes
    • Roberts: yes
    • Rodriguez: yes
    • Simpson: yes
    • Snyder: yes
    • Sullivan: yes
    • Wallace: yes
    • Weissman: yes
    • Zamora Wilson: yes
    • President: yes
    • Coleman: yes

  • REPASS

    2026-05-13 · pass · 0-0

    Member-level votes (36)
    • Amabile: yes
    • Baisley: no
    • Ball: yes
    • Benavidez: yes
    • Bridges: yes
    • Bright: no
    • Carson: no
    • Catlin: no
    • Cutter: yes
    • Danielson: yes
    • Daugherty: yes
    • Exum: yes
    • Frizell: no
    • Gonzales J.: yes
    • Hinrichsen: yes
    • Jodeh: yes
    • Kipp: yes
    • Kirkmeyer: no
    • Kolker: yes
    • Lindstedt: yes
    • Liston: no
    • Marchman: yes
    • Mullica: yes
    • Pelton B.: no
    • Pelton R.: no
    • Rich: no
    • Roberts: yes
    • Rodriguez: yes
    • Simpson: no
    • Snyder: yes
    • Sullivan: yes
    • Wallace: yes
    • Weissman: yes
    • Zamora Wilson: no
    • Coleman: yes
    • President: yes

Related bills

No related bills recorded for this bill.

Official source

https://leg.colorado.gov/bills/SB26-155

Attribution

Data from openstates_bulk_csv, retrieved 2026-07-24T03:52:26.466301Z

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