Colorado House Bill 1247 Requires Mandatory Homeowner Insurance Appraisal Process for Disputed Claims

Original title: Property Insurance Appraisal Clause Claim Disputes

Last action · April 1, 2026: House Considered Senate Amendments - Result was to Laid Over DailySponsor: Rebecca Keltie

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Introduced

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Floor Vote

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What This Bill Would Do

Homeowner insurance policies issued or renewed in Colorado on or after January 1, 2027, must include a mandatory and binding for disputed property damage claims when requested by either the insured or the insurer. The process settles the amount of loss, causation, and scope of repair within four months of selecting an , while certain contract timelines.

Why it matters

Policyholders and insurance companies gain a standardized, binding mechanism to resolve property damage disagreements outside of court, shifting how loss amounts and repair scopes are finalized.

Who It Would Affect

Groups the bill's text would affect if enacted, as described in the record. Being affected is not a position for or against it.

Directly affected

homeowner insurance policyholders

Policyholders gain the right to request a binding appraisal process for disputed property damage claims and may submit third-party damage assessments for reprocessing.

Directly affected

insurance companies

Insurers must include mandatory appraisal clauses in policies issued or renewed after January 1, 2027, participate in the appraisal process upon request, and reprocess claims when third-party assessments are submitted.

Key Facts

You don't have to trust us. Each fact below is taken straight from the official document - click any one to see the exact passage, highlighted in the original.

Frequently Asked Questions

Does the appraisal process decide whether my policy covers the damage?

No, the determines the amount of loss, causation, and necessary scope of repair, but it does not determine coverage under the terms of the policy.

Who pays for the appraisers and the umpire during the dispute?

The insured and the insurer each pay their own expenses for their respective appraiser, and they share the expenses of the .

What else do you want to know?

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Where This Stands

Currently in committee. The next step in the legislative lifecycle is Floor Vote.

Procedural history

3 actions

Apr 1, 2026House
House Considered Senate Amendments - Result was to Laid Over Daily
Mar 25, 2026House
House Committee on Business Affairs & Labor Postpone Indefinitely
Feb 18, 2026HouseIntroduced
Introduced In House - Assigned to Business Affairs & Labor

Version history

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