Archive #54208

Metadata

Bill Number: HB25-1302
HTTP Status: 200
Valid JSON: Valid
Archived At: 2026-04-15 10:38:47 MDT
Created At: 2026-04-15 10:38:47 MDT

Parsed JSON

{
  "votes": [
    {
      "url": "https://www.leg.state.co.us/CLICS/CLICS2025A/cslVotes.nsf/0/CDB54AE690CBEF2587258C75007D8999?OpenDocument",
      "date": "04/23/2025",
      "action": "Third Reading",
      "motion": "BILL",
      "chamber": "HOUSE",
      "vote_id": "777",
      "vote_no": 24,
      "vote_17C": 0,
      "vote_17D": 0,
      "vote_abs": 0,
      "vote_exc": 1,
      "vote_yes": 40,
      "voice_vote": "N",
      "vote_others": 1,
      "vote_result": "Aye: 40 No:  24 Other: 1",
      "member_votes": [
        {
          "vote": "N",
          "last_name": "Armagost"
        },
        {
          "vote": "Y",
          "last_name": "Bacon"
        },
        {
          "vote": "N",
          "last_name": "Barron"
        },
        {
          "vote": "E",
          "last_name": "Bird"
        },
        {
          "vote": "Y",
          "last_name": "Boesenecker"
        },
        {
          "vote": "N",
          "last_name": "Bottoms"
        },
        {
          "vote": "N",
          "last_name": "Bradfield"
        },
        {
          "vote": "N",
          "last_name": "Bradley"
        },
        {
          "vote": "N",
          "last_name": "Brooks"
        },
        {
          "vote": "Y",
          "last_name": "Brown"
        },
        {
          "vote": "N",
          "last_name": "Caldwell"
        },
        {
          "vote": "Y",
          "last_name": "Camacho"
        },
        {
          "vote": "Y",
          "last_name": "Carter"
        },
        {
          "vote": "Y",
          "last_name": "Clifford"
        },
        {
          "vote": "N",
          "last_name": "DeGraaf"
        },
        {
          "vote": "Y",
          "last_name": "Duran"
        },
        {
          "vote": "Y",
          "last_name": "English"
        },
        {
          "vote": "Y",
          "last_name": "Espenoza"
        },
        {
          "vote": "Y",
          "last_name": "Feret"
        },
        {
          "vote": "Y",
          "last_name": "Froelich"
        },
        {
          "vote": "Y",
          "last_name": "Garcia"
        },
        {
          "vote": "N",
          "last_name": "Garcia Sander"
        },
        {
          "vote": "Y",
          "last_name": "Gilchrist"
        },
        {
          "vote": "N",
          "last_name": "Gonzalez R."
        },
        {
          "vote": "Y",
          "last_name": "Hamrick"
        },
        {
          "vote": "N",
          "last_name": "Hartsook"
        },
        {
          "vote": "Y",
          "last_name": "Jackson"
        },
        {
          "vote": "N",
          "last_name": "Johnson"
        },
        {
          "vote": "Y",
          "last_name": "Joseph"
        },
        {
          "vote": "N",
          "last_name": "Keltie"
        },
        {
          "vote": "Y",
          "last_name": "Lieder"
        },
        {
          "vote": "Y",
          "last_name": "Lindsay"
        },
        {
          "vote": "Y",
          "last_name": "Lindstedt"
        },
        {
          "vote": "N",
          "last_name": "Luck"
        },
        {
          "vote": "Y",
          "last_name": "Lukens"
        },
        {
          "vote": "Y",
          "last_name": "Mabrey"
        },
        {
          "vote": "Y",
          "last_name": "Marshall"
        },
        {
          "vote": "N",
          "last_name": "Martinez"
        },
        {
          "vote": "Y",
          "last_name": "Mauro"
        },
        {
          "vote": "Y",
          "last_name": "McCormick"
        },
        {
          "vote": "Y",
          "last_name": "Paschal"
        },
        {
          "vote": "N",
          "last_name": "Phillips"
        },
        {
          "vote": "N",
          "last_name": "Pugliese"
        },
        {
          "vote": "N",
          "last_name": "Richardson"
        },
        {
          "vote": "Y",
          "last_name": "Ricks"
        },
        {
          "vote": "Y",
          "last_name": "Rutinel"
        },
        {
          "vote": "Y",
          "last_name": "Rydin"
        },
        {
          "vote": "Y",
          "last_name": "Sirota"
        },
        {
          "vote": "Y",
          "last_name": "Smith"
        },
        {
          "vote": "N",
          "last_name": "Soper"
        },
        {
          "vote": "Y",
          "last_name": "Stewart K."
        },
        {
          "vote": "Y",
          "last_name": "Stewart R."
        },
        {
          "vote": "Y",
          "last_name": "Story"
        },
        {
          "vote": "N",
          "last_name": "Suckla"
        },
        {
          "vote": "N",
          "last_name": "Taggart"
        },
        {
          "vote": "Y",
          "last_name": "Titone"
        },
        {
          "vote": "Y",
          "last_name": "Valdez"
        },
        {
          "vote": "Y",
          "last_name": "Velasco"
        },
        {
          "vote": "N",
          "last_name": "Weinberg"
        },
        {
          "vote": "Y",
          "last_name": "Willford"
        },
        {
          "vote": "N",
          "last_name": "Winter T."
        },
        {
          "vote": "Y",
          "last_name": "Woodrow"
        },
        {
          "vote": "N",
          "last_name": "Woog"
        },
        {
          "vote": "Y",
          "last_name": "Zokaie"
        },
        {
          "vote": "Y",
          "last_name": "McCluskie"
        }
      ],
      "lay_over_date": "",
      "vote_date_time": "04/23/2025 04:51:12 PM"
    }
  ],
  "active": "F",
  "origin": "House",
  "lls_num": "25-0359",
  "session": "2025A",
  "subject": [
    "Health Care & Health Insurance"
  ],
  "bill_num": "HB25-1302",
  "sponsors": [
    {
      "id": "KB002",
      "title": "Representative",
      "s_type": "Prime Sponsor",
      "chamber": "House",
      "full_name": "Kyle Brown",
      "last_name": "Brown",
      "first_name": "Kyle",
      "sponsor_order": "1"
    },
    {
      "id": "JM002",
      "title": "Representative",
      "s_type": "Prime Sponsor",
      "chamber": "House",
      "full_name": "Julie McCluskie",
      "last_name": "McCluskie",
      "first_name": "Julie",
      "sponsor_order": "2"
    },
    {
      "id": "JB005",
      "title": "Representative",
      "s_type": "Co-sponsor",
      "chamber": "House",
      "full_name": "Jennifer Bacon",
      "last_name": "Bacon",
      "first_name": "Jennifer"
    },
    {
      "id": "MD001",
      "title": "Representative",
      "s_type": "Co-sponsor",
      "chamber": "House",
      "full_name": "Monica Duran",
      "last_name": "Duran",
      "first_name": "Monica"
    },
    {
      "id": "MF002",
      "title": "Representative",
      "s_type": "Co-sponsor",
      "chamber": "House",
      "full_name": "Meg Froelich",
      "last_name": "Froelich",
      "first_name": "Meg"
    },
    {
      "id": "EH002",
      "title": "Representative",
      "s_type": "Co-sponsor",
      "chamber": "House",
      "full_name": "Eliza Hamrick",
      "last_name": "Hamrick",
      "first_name": "Eliza"
    },
    {
      "id": "JJ002",
      "title": "Representative",
      "s_type": "Co-sponsor",
      "chamber": "House",
      "full_name": "Junie Joseph",
      "last_name": "Joseph",
      "first_name": "Junie"
    },
    {
      "id": "ML002",
      "title": "Representative",
      "s_type": "Co-sponsor",
      "chamber": "House",
      "full_name": "Mandy Lindsay",
      "last_name": "Lindsay",
      "first_name": "Mandy"
    },
    {
      "id": "ML003",
      "title": "Representative",
      "s_type": "Co-sponsor",
      "chamber": "House",
      "full_name": "Meghan Lukens",
      "last_name": "Lukens",
      "first_name": "Meghan"
    },
    {
      "id": "KM002",
      "title": "Representative",
      "s_type": "Co-sponsor",
      "chamber": "House",
      "full_name": "Karen McCormick",
      "last_name": "McCormick",
      "first_name": "Karen"
    },
    {
      "id": "AP003",
      "title": "Representative",
      "s_type": "Co-sponsor",
      "chamber": "House",
      "full_name": "Amy Paschal",
      "last_name": "Paschal",
      "first_name": "Amy"
    },
    {
      "id": "MR001",
      "title": "Representative",
      "s_type": "Co-sponsor",
      "chamber": "House",
      "full_name": "Manny Rutinel",
      "last_name": "Rutinel",
      "first_name": "Manny"
    },
    {
      "id": "LS004",
      "title": "Representative",
      "s_type": "Co-sponsor",
      "chamber": "House",
      "full_name": "Lesley Smith",
      "last_name": "Smith",
      "first_name": "Lesley"
    },
    {
      "id": "KS001",
      "title": "Representative",
      "s_type": "Co-sponsor",
      "chamber": "House",
      "full_name": "Katie Stewart",
      "last_name": "Stewart K.",
      "first_name": "Katie"
    },
    {
      "id": "TS002",
      "title": "Representative",
      "s_type": "Co-sponsor",
      "chamber": "House",
      "full_name": "Tammy Story",
      "last_name": "Story",
      "first_name": "Tammy"
    },
    {
      "id": "BT001",
      "title": "Representative",
      "s_type": "Co-sponsor",
      "chamber": "House",
      "full_name": "Brianna Titone",
      "last_name": "Titone",
      "first_name": "Brianna"
    },
    {
      "id": "EV002",
      "title": "Representative",
      "s_type": "Co-sponsor",
      "chamber": "House",
      "full_name": "Elizabeth Velasco",
      "last_name": "Velasco",
      "first_name": "Elizabeth"
    },
    {
      "id": "JA002",
      "title": "Senator",
      "s_type": "Prime Sponsor",
      "chamber": "Senate",
      "full_name": "Judy Amabile",
      "last_name": "Amabile",
      "first_name": "Judy",
      "sponsor_order": "3"
    },
    {
      "id": "MS002",
      "title": "Senator",
      "s_type": "Prime Sponsor",
      "chamber": "Senate",
      "full_name": "Marc Snyder",
      "last_name": "Snyder",
      "first_name": "Marc",
      "sponsor_order": "4"
    }
  ],
  "bill_files": [
    {
      "url": "https://www.leg.state.co.us/CLICS/CLICS2025A/csl.nsf/0/A4B1EF78346FB26687258BAB00546A61/$File/1302_ren.pdf",
      "date": "04/23/2025",
      "label": "Reengrossed",
      "url_html": "https://www.leg.state.co.us/CLICS/CLICS2025A/csl.nsf/0/A4B1EF78346FB26687258BAB00546A61/$File/1302_ren.html",
      "lastModified": "04/23/2025 05:22:48 PM"
    },
    {
      "url": "https://www.leg.state.co.us/CLICS/CLICS2025A/csl.nsf/0/A4B1EF78346FB26687258BAB00546A61/$File/1302_eng.pdf",
      "date": "04/22/2025",
      "label": "Engrossed",
      "url_html": "https://www.leg.state.co.us/CLICS/CLICS2025A/csl.nsf/0/A4B1EF78346FB26687258BAB00546A61/$File/1302_eng.html",
      "lastModified": "04/22/2025 07:42:17 PM"
    },
    {
      "url": "https://www.leg.state.co.us/CLICS/CLICS2025A/csl.nsf/0/A4B1EF78346FB26687258BAB00546A61/$File/1302_01.pdf",
      "date": "03/14/2025",
      "label": "Introduced",
      "url_html": "https://www.leg.state.co.us/CLICS/CLICS2025A/csl.nsf/0/A4B1EF78346FB26687258BAB00546A61/$File/1302_01.html",
      "lastModified": "03/14/2025 12:37:24 PM"
    }
  ],
  "committees": [
    {
      "id": "H_FIN_2025A",
      "name": "Finance",
      "chamber": "House"
    },
    {
      "id": "H_APP_2025A",
      "name": "Appropriations",
      "chamber": "House"
    },
    {
      "id": "S_FIN_2025A",
      "name": "Finance",
      "chamber": "Senate"
    }
  ],
  "long_title": "Concerning increasing the availability of homeowner's insurance in the state, and, in connection therewith, making an appropriation.",
  "bill_status": "Postponed Indefinitely",
  "short_title": "Increase Access Homeowner's Insurance Enterprises",
  "bill_summary": "<html><body><p><t></t></p><p style='text-indent:50px'>The bill creates 2 enterprises in the division of insurance (division) in the department of regulatory agencies.</p><p style='text-indent:50px'><t></t></p><p style='text-indent:50px'>The bill creates the strengthen Colorado homes enterprise (strengthen homes enterprise), which is a state-owned business that imposes and collects a fee <strike>from insurance companies (insurers), including the FAIR plan association, that offer</strike> <i>on policyholders of</i> homeowner's insurance policies <i>issued by insurance companies (insurers) and the fair access to insurance requirements (FAIR) plan association in the admitted market covering property located in or risks</i> in Colorado. <strike>which</strike> <i>The</i> fee <i>is collected on a per-policy basis and</i> is equal to <strike>1.5% of</strike> <i>one-half percent on</i> the <strike>dollar amount</strike> <i>percentage</i> of <strike>the</strike> <i>total</i> premiums that the insurer collects <i>in the immediately preceding calendar year</i> from homeowners for issuing homeowner's insurance policies ( <strike>insurer</strike> fee); <i>except that an insurer shall not collect the fee on policyholders that have resilient roof systems.</i><t></t></p><p style='text-indent:50px'>With the insurer fee revenue, the strengthen homes enterprise board administers a grant program (grant program) to strengthen homes against the risk of future damage claims caused by high winds, wildfire, hail, and other extreme weather events (extreme weather events) by allowing a homeowner to use grant money to upgrade their roof system with certain resilient roof materials. By paying the <strike>insurer</strike> fee to support the grant program to retrofit homes with resilient roofs, <i>policyholders may defray the cost of retrofitting their property to resist losses due to common perils, including windstorms, wildfire, and other extreme weather events, and </i> insurers reduce their overall risk in the market due to hail and other extreme weather events, <i>in order to promote insurance market stability throughout the state.</i><t></t></p><p style='text-indent:50px'>The bill also creates the wildfire catastrophe reinsurance enterprise (reinsurance enterprise), which is a state-owned business implementing and administering the wildfire catastrophe reinsurance program (reinsurance program). The reinsurance program makes reinsurance payments to insurers that offer homeowner's insurance on properties located in the state to partially mitigate losses in the event of a state or federally declared wildfire-related disaster (wildfire-related disaster). The purpose of the reinsurance program is to stabilize the homeowner's insurance market in the state and to attract and retain homeowner's insurers. In exchange for access to the reinsurance program, the reinsurance program requires insurers to sell homeowner's insurance in areas of the state that are at high risk for wildfires.</p><p style='text-indent:50px'><t></t></p><p style='text-indent:50px'>To pay for the reinsurance program, the reinsurance enterprise:</p><p style='text-indent:50px'><ul><li>Issues revenue bonds secured by the reinsurance enterprise;<li> <strike>Issues a catastrophe bond to a person that purchases the bond but pays the principal to cover costs of a wildfire-related disaster if it occurs;</strike><li> <strike>May impose and collect an insurer fee on insurers to cover a shortfall if a wildfire-related disaster does not occur during the bond term and the reinsurance enterprise has insufficient money to redeem the bonds at maturity; and</strike><li> <i>Beginning in the 2026 calendar year, impose and collect a fee on a per-policy basis on each policyholder of a homeowner's insurance policy issued in the admitted market covering property in or risks in the state. The amount of the fee is equal to one-half percent on the percentage of total premiums collected by each insurer in the immediately preceding calendar year.</i><li>Invests the revenue from <strike>the</strike> <i>revenue </i> bonds and insurer fees.</li></ul><t></t></p><p style='text-indent:50px'>In addition, the bill <strike>sets the loss ratio for homeowner's insurance by presuming that the rates charged to purchasers are excessive if the insurer's loss ratio is less than 75% over a 3-year period and, if rates are in excess of the loss ratio,</strike> requires insurers <i>in the admitted market participating in the reinsurance program </i> to submit <strike>rates that are at least 5% less than the previous year</strike> <i>one set of rates taking into consideration the reinsurance program and one set without.</i><t></t> <i>In addition to offering a replacement-cost policy in accordance with current law, an insurer may offer a replacement-cost policy that has a reasonable coverage limit or percentage cap for additional living expenses if the insurer provides a premium decrease for the coverage limit or replacement cap that is approved by the division.</i><t></t></p><p style='text-indent:50px'><i>For the 2025-26 state fiscal year, the bill appropriates $7,410,037 to the department of regulatory agencies from the strengthen homes enterprise and also appropriates money to the department of law for legal services to implement the reinsurance program.</i></p><p style='text-indent:50px'><i>(Note: Italicized words indicate new material added to the original summary; dashes through words indicate deletions from the original summary.)</i></p><p style='text-indent:50px'><br/><i>(Note: This summary applies to the reengrossed version of this bill as introduced in the second house.)</i></p></body></html>",
  "progress_bar": [
    {
      "end": "F",
      "label": "Introduced",
      "position": 1
    },
    {
      "end": "T",
      "label": "Lost",
      "position": 2
    }
  ],
  "special_type": "",
  "bill_category": "Insurance",
  "allow_testimony": "F",
  "amendment_files": [
    {
      "url": "https://s3-us-west-2.amazonaws.com/leg.colorado.gov/2025A/amendments/C88BCDB80FF98E7187258C7400510DD6/HB1302_L.014.pdf",
      "date": "4/22/2025 11:09:42 AM",
      "vote": "Passed**",
      "chamber": "House",
      "hearing": "Second Reading",
      "amendment": "L.014"
    },
    {
      "url": "https://s3-us-west-2.amazonaws.com/leg.colorado.gov/2025A/amendments/C314E0BE1F1B249087258C74005344D7/HB1302_L.013.pdf",
      "date": "4/22/2025 11:08:32 AM",
      "vote": "Passed**",
      "chamber": "House",
      "hearing": "Second Reading",
      "amendment": "L.013"
    },
    {
      "url": "https://s3-us-west-2.amazonaws.com/leg.colorado.gov/2025A/amendments/89EB347CFE45CBE987258C740052A6F7/HB1302_L.012.pdf",
      "date": "4/22/2025 11:07:34 AM",
      "vote": "Passed**",
      "chamber": "House",
      "hearing": "Second Reading",
      "amendment": "L.012"
    },
    {
      "url": "https://s3-us-west-2.amazonaws.com/leg.colorado.gov/2025A/amendments/082F5295762F966787258C73004F7E8A/HB1302_J.002.pdf",
      "date": "4/22/2025 8:04:36 AM",
      "vote": "Passed*",
      "chamber": "House",
      "hearing": "HOU Appropriations",
      "amendment": "J.002"
    },
    {
      "url": "https://s3-us-west-2.amazonaws.com/leg.colorado.gov/2025A/amendments/026A78183142C39587258C6F0083CE44/HB1302_L.011.pdf",
      "date": "4/22/2025 8:04:21 AM",
      "vote": "Passed*",
      "chamber": "House",
      "hearing": "HOU Appropriations",
      "amendment": "L.011"
    },
    {
      "url": "https://s3-us-west-2.amazonaws.com/leg.colorado.gov/2025A/amendments/4110A2A74336822387258C6500554561/HB1302_L.009.pdf",
      "date": "4/7/2025 3:07:54 PM",
      "vote": "Passed*",
      "chamber": "House",
      "hearing": "HOU Finance",
      "amendment": "L.009"
    },
    {
      "url": "https://s3-us-west-2.amazonaws.com/leg.colorado.gov/2025A/amendments/CC40972DF54F65E087258C6500552E83/HB1302_L.008.pdf",
      "date": "4/7/2025 3:07:01 PM",
      "vote": "Passed*",
      "chamber": "House",
      "hearing": "HOU Finance",
      "amendment": "L.008"
    },
    {
      "url": "https://s3-us-west-2.amazonaws.com/leg.colorado.gov/2025A/amendments/203C772C7268DC2487258C65005519FF/HB1302_L.007.pdf",
      "date": "4/7/2025 3:06:33 PM",
      "vote": "Passed*",
      "chamber": "House",
      "hearing": "HOU Finance",
      "amendment": "L.007"
    },
    {
      "url": "https://s3-us-west-2.amazonaws.com/leg.colorado.gov/2025A/amendments/F24E862BA9B55D8D87258C6500550CE0/HB1302_L.006.pdf",
      "date": "4/7/2025 3:05:16 PM",
      "vote": "Passed*",
      "chamber": "House",
      "hearing": "HOU Finance",
      "amendment": "L.006"
    },
    {
      "url": "https://s3-us-west-2.amazonaws.com/leg.colorado.gov/2025A/amendments/023A7B30CF674E4487258C650054F836/HB1302_L.005.pdf",
      "date": "4/7/2025 3:04:39 PM",
      "vote": "Passed*",
      "chamber": "House",
      "hearing": "HOU Finance",
      "amendment": "L.005"
    },
    {
      "url": "https://s3-us-west-2.amazonaws.com/leg.colorado.gov/2025A/amendments/E33BE59AA1462F2087258C650054E5EB/HB1302_L.004.pdf",
      "date": "4/7/2025 3:02:06 PM",
      "vote": "Passed*",
      "chamber": "House",
      "hearing": "HOU Finance",
      "amendment": "L.004"
    },
    {
      "url": "https://s3-us-west-2.amazonaws.com/leg.colorado.gov/2025A/amendments/4698B182F287D62D87258C650054D0C4/HB1302_L.003.pdf",
      "date": "4/7/2025 3:01:30 PM",
      "vote": "Passed*",
      "chamber": "House",
      "hearing": "HOU Finance",
      "amendment": "L.003"
    },
    {
      "url": "https://s3-us-west-2.amazonaws.com/leg.colorado.gov/2025A/amendments/05EF59FEF59B671787258C650054B4D8/HB1302_L.002.pdf",
      "date": "4/7/2025 3:00:45 PM",
      "vote": "Passed*",
      "chamber": "House",
      "hearing": "HOU Finance",
      "amendment": "L.002"
    },
    {
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      "date": "4/7/2025 2:59:35 PM",
      "vote": "Passed*",
      "chamber": "House",
      "hearing": "HOU Finance",
      "amendment": "L.001"
    }
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  "full_bill_topic": "Increase Access Homeowner's Insurance Enterprises",
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      "lastModified": "05/06/2025 11:09:09 AM",
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  "is_budget_package": "No",
  "session_laws_files": "",
  "summarized_history": [
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      "action": "House Committee on Appropriations Refer Amended to House Committee of the Whole",
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    },
    {
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      "action": "House Committee on Finance Refer Amended to Appropriations",
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    {
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  "research_note_files": [],
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      "date": "04/07/2025",
      "label": "H_FIN_2025A",
      "url_html": "https://www.leg.state.co.us/CLICS/CLICS2025A/csl.nsf/0/A4B1EF78346FB26687258BAB00546A61/$File/HB1302_H_FIN_001.html",
      "lastModified": "04/09/2025 10:09:13 PM"
    },
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      "date": "04/22/2025",
      "label": "H_APP_2025A",
      "url_html": "https://www.leg.state.co.us/CLICS/CLICS2025A/csl.nsf/0/A4B1EF78346FB26687258BAB00546A61/$File/HB1302_H_APP_003.html",
      "lastModified": "04/22/2025 09:38:38 AM"
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      "date": "05/06/2025",
      "label": "S_FIN_2025A",
      "url_html": "https://www.leg.state.co.us/CLICS/CLICS2025A/csl.nsf/0/A4B1EF78346FB26687258BAB00546A61/$File/HB1302_S_FIN_001.html",
      "lastModified": "05/06/2025 09:38:57 AM"
    }
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  "demographic_note_files": [],
  "updated_bill_summary_files": [],
  "budget_staff_analysis_files": [
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      "label": "SA1",
      "url_html": "",
      "lastModified": "04/21/2025 07:57:07 AM",
      "label_detailed": "House Appropriation Analysis (1)"
    }
  ],
  "first_chamber_third_reading_date": "04/23/2025",
  "second_chamber_third_reading_date": ""
}

Raw Response

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insurance requirements (FAIR) plan association in the admitted market covering property located in or risks</i> in Colorado. <strike>which</strike> <i>The</i> fee <i>is collected on a per-policy basis and</i> is equal to <strike>1.5% of</strike> <i>one-half percent on</i> the <strike>dollar amount</strike> <i>percentage</i> of <strike>the</strike> <i>total</i> premiums that the insurer collects <i>in the immediately preceding calendar year</i> from homeowners for issuing homeowner's insurance policies ( <strike>insurer</strike> fee); <i>except that an insurer shall not collect the fee on policyholders that have resilient roof systems.</i><t></t></p><p style='text-indent:50px'>With the insurer fee revenue, the strengthen homes enterprise board administers a grant program (grant program) to strengthen homes against the risk of future damage claims caused by high winds, wildfire, hail, and other extreme weather events (extreme weather events) by allowing a homeowner to use grant money to upgrade their roof system with certain resilient roof materials. By paying the <strike>insurer</strike> fee to support the grant program to retrofit homes with resilient roofs, <i>policyholders may defray the cost of retrofitting their property to resist losses due to common perils, including windstorms, wildfire, and other extreme weather events, and </i> insurers reduce their overall risk in the market due to hail and other extreme weather events, <i>in order to promote insurance market stability throughout the state.</i><t></t></p><p style='text-indent:50px'>The bill also creates the wildfire catastrophe reinsurance enterprise (reinsurance enterprise), which is a state-owned business implementing and administering the wildfire catastrophe reinsurance program (reinsurance program). The reinsurance program makes reinsurance payments to insurers that offer homeowner's insurance on properties located in the state to partially mitigate losses in the event of a state or federally declared wildfire-related disaster (wildfire-related disaster). The purpose of the reinsurance program is to stabilize the homeowner's insurance market in the state and to attract and retain homeowner's insurers. In exchange for access to the reinsurance program, the reinsurance program requires insurers to sell homeowner's insurance in areas of the state that are at high risk for wildfires.</p><p style='text-indent:50px'><t></t></p><p style='text-indent:50px'>To pay for the reinsurance program, the reinsurance enterprise:</p><p style='text-indent:50px'><ul><li>Issues revenue bonds secured by the reinsurance enterprise;<li> <strike>Issues a catastrophe bond to a person that purchases the bond but pays the principal to cover costs of a wildfire-related disaster if it occurs;</strike><li> <strike>May impose and collect an insurer fee on insurers to cover a shortfall if a wildfire-related disaster does not occur during the bond term and the reinsurance enterprise has insufficient money to redeem the bonds at maturity; and</strike><li> <i>Beginning in the 2026 calendar year, impose and collect a fee on a per-policy basis on each policyholder of a homeowner's insurance policy issued in the admitted market covering property in or risks in the state. The amount of the fee is equal to one-half percent on the percentage of total premiums collected by each insurer in the immediately preceding calendar year.</i><li>Invests the revenue from <strike>the</strike> <i>revenue </i> bonds and insurer fees.</li></ul><t></t></p><p style='text-indent:50px'>In addition, the bill <strike>sets the loss ratio for homeowner's insurance by presuming that the rates charged to purchasers are excessive if the insurer's loss ratio is less than 75% over a 3-year period and, if rates are in excess of the loss ratio,</strike> requires insurers <i>in the admitted market participating in the reinsurance program </i> to submit <strike>rates that are at least 5% less than the previous year</strike> <i>one set of rates taking into consideration the reinsurance program and one set without.</i><t></t> <i>In addition to offering a replacement-cost policy in accordance with current law, an insurer may offer a replacement-cost policy that has a reasonable coverage limit or percentage cap for additional living expenses if the insurer provides a premium decrease for the coverage limit or replacement cap that is approved by the division.</i><t></t></p><p style='text-indent:50px'><i>For the 2025-26 state fiscal year, the bill appropriates $7,410,037 to the department of regulatory agencies from the strengthen homes enterprise and also appropriates money to the department of law for legal services to implement the reinsurance program.</i></p><p style='text-indent:50px'><i>(Note: Italicized words indicate new material added to the original summary; dashes through words indicate deletions from the original summary.)</i></p><p style='text-indent:50px'><br/><i>(Note: This summary applies to the reengrossed version of this bill as introduced in the second house.)</i></p></body></html>","amendment_files":[{"chamber":"House","date":"4/22/2025 11:09:42 AM","amendment":"L.014","hearing":"Second Reading","vote":"Passed**","url":"https://s3-us-west-2.amazonaws.com/leg.colorado.gov/2025A/amendments/C88BCDB80FF98E7187258C7400510DD6/HB1302_L.014.pdf"},{"chamber":"House","date":"4/22/2025 11:08:32 AM","amendment":"L.013","hearing":"Second Reading","vote":"Passed**","url":"https://s3-us-west-2.amazonaws.com/leg.colorado.gov/2025A/amendments/C314E0BE1F1B249087258C74005344D7/HB1302_L.013.pdf"},{"chamber":"House","date":"4/22/2025 11:07:34 AM","amendment":"L.012","hearing":"Second Reading","vote":"Passed**","url":"https://s3-us-west-2.amazonaws.com/leg.colorado.gov/2025A/amendments/89EB347CFE45CBE987258C740052A6F7/HB1302_L.012.pdf"},{"chamber":"House","date":"4/22/2025 8:04:36 AM","amendment":"J.002","hearing":"HOU Appropriations","vote":"Passed*","url":"https://s3-us-west-2.amazonaws.com/leg.colorado.gov/2025A/amendments/082F5295762F966787258C73004F7E8A/HB1302_J.002.pdf"},{"chamber":"House","date":"4/22/2025 8:04:21 AM","amendment":"L.011","hearing":"HOU Appropriations","vote":"Passed*","url":"https://s3-us-west-2.amazonaws.com/leg.colorado.gov/2025A/amendments/026A78183142C39587258C6F0083CE44/HB1302_L.011.pdf"},{"chamber":"House","date":"4/7/2025 3:07:54 PM","amendment":"L.009","hearing":"HOU Finance","vote":"Passed*","url":"https://s3-us-west-2.amazonaws.com/leg.colorado.gov/2025A/amendments/4110A2A74336822387258C6500554561/HB1302_L.009.pdf"},{"chamber":"House","date":"4/7/2025 3:07:01 PM","amendment":"L.008","hearing":"HOU Finance","vote":"Passed*","url":"https://s3-us-west-2.amazonaws.com/leg.colorado.gov/2025A/amendments/CC40972DF54F65E087258C6500552E83/HB1302_L.008.pdf"},{"chamber":"House","date":"4/7/2025 3:06:33 PM","amendment":"L.007","hearing":"HOU Finance","vote":"Passed*","url":"https://s3-us-west-2.amazonaws.com/leg.colorado.gov/2025A/amendments/203C772C7268DC2487258C65005519FF/HB1302_L.007.pdf"},{"chamber":"House","date":"4/7/2025 3:05:16 PM","amendment":"L.006","hearing":"HOU Finance","vote":"Passed*","url":"https://s3-us-west-2.amazonaws.com/leg.colorado.gov/2025A/amendments/F24E862BA9B55D8D87258C6500550CE0/HB1302_L.006.pdf"},{"chamber":"House","date":"4/7/2025 3:04:39 PM","amendment":"L.005","hearing":"HOU Finance","vote":"Passed*","url":"https://s3-us-west-2.amazonaws.com/leg.colorado.gov/2025A/amendments/023A7B30CF674E4487258C650054F836/HB1302_L.005.pdf"},{"chamber":"House","date":"4/7/2025 3:02:06 PM","amendment":"L.004","hearing":"HOU Finance","vote":"Passed*","url":"https://s3-us-west-2.amazonaws.com/leg.colorado.gov/2025A/amendments/E33BE59AA1462F2087258C650054E5EB/HB1302_L.004.pdf"},{"chamber":"House","date":"4/7/2025 3:01:30 PM","amendment":"L.003","hearing":"HOU Finance","vote":"Passed*","url":"https://s3-us-west-2.amazonaws.com/leg.colorado.gov/2025A/amendments/4698B182F287D62D87258C650054D0C4/HB1302_L.003.pdf"},{"chamber":"House","date":"4/7/2025 3:00:45 PM","amendment":"L.002","hearing":"HOU Finance","vote":"Passed*","url":"https://s3-us-west-2.amazonaws.com/leg.colorado.gov/2025A/amendments/05EF59FEF59B671787258C650054B4D8/HB1302_L.002.pdf"},{"chamber":"House","date":"4/7/2025 2:59:35 PM","amendment":"L.001","hearing":"HOU Finance","vote":"Passed*","url":"https://s3-us-west-2.amazonaws.com/leg.colorado.gov/2025A/amendments/5549C988780BDCFC87258C6500549470/HB1302_L.001.pdf"}],"session_laws_files":"","votes":[{"vote_id":"777","chamber":"HOUSE","action":"Third Reading","date":"04/23/2025",
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