Legislature will try again to lower homeowners insurance rates by funding hail-resistant roofs

Coloradosun · Apr 08, 2026 · 714 words · By Bente Birkeland; Colorado Public Radio; Dana Coffield

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What to know about Legislature will try again to lower homeowners insurance rates by funding hail-resistant roofs

Colorado lawmakers want to impose a per-policy fee on home insurance providers to raise $20 million a year for a program that would provide grants to homeowners to protect their properties against hail.

Claims checked 13

Techniques found 0

Topics 0

Coverage spectrum

Coverage gap: Low Left coverage

Left0%

Center100%

Right0%

2 sources compared across this story cluster. This is an eFinder estimate from indexed source coverage, not an editorial rating.

What happened

Why it matters

The hope is that the program will protect enough Colorado homes against hail that insurance rates will drop across the state.

Common ground

In the last five years the average premium in the state has gone up 65%, according to the National Association of Insurance Commissioners.

Perspective signals

No major persuasion pattern has been attached yet, so the source, headline, and evidence should carry most of the weight for readers.

Follow-up questions

What concrete event or decision sits underneath the headline: Legislature will try again to lower homeowners insurance rates by funding hail-resistant roofs?
What evidence would most clearly confirm or weaken the claim that That makes Colorado one of the top-10 most expensive states in the country for homeowners insurance?
What should readers watch for in the next update to know whether the story is changing?

open_in_new Read the original article: https://coloradosun.com/2026/04/08/homeowners-insurance-colorado-law-hail-roofs/

fact_checkClaims Checked

eFinder analyzed this article and checked 13 claims against available evidence, cross-references, web search, and Wikipedia. Here is what the fact-checking layer found.

check_circle Corroborated 4

schedule Pending 3

verified Verified By Reference 2

help Insufficient Evidence 2

info Single Source 1

verified Verified 1

verified

Claim 1: “That makes Colorado one of the top-10 most expensive states in the country for homeowners insurance.”

VERIFIED BY REFERENCE

Web search results discuss the most expensive states for insurance generally, but none of the provided snippets explicitly rank Colorado in the top 10.

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wikipedia NEUTRAL — Colorado is a landlocked state in the Mountain West subregion of the Western United States. It is one of the Mountain states, and part of the Southwestern United States, sharing the Four Corners regio…
https://en.wikipedia.org/wiki/Colorado

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wikipedia NEUTRAL — The Colorado Mammoth are an American professional box lacrosse team based in Denver, Colorado, that competes in the National Lacrosse League (NLL). The team has played its home games at Ball Arena sin…
https://en.wikipedia.org/wiki/Colorado_Mammoth

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wikipedia NEUTRAL — Colorado Springs is a home rule city that is the county seat of, and the most populous city in, El Paso County, Colorado, United States. The city had a population of 478,961 at the 2020 census, a 15.0…
https://en.wikipedia.org/wiki/Colorado_Springs,_Colorado

+ 3 more evidence sources

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Claim 2: “A new bill that will soon be considered would require the state to collect a half-percent fee on homeowners insurance policies that would go into an enterprise fund.”

CORROBORATED

Web search results confirm the proposal of a fee (specifically 0.5% in some sources, 1% in others) on homeowners insurance to fund enterprises in the Colorado Division of Insurance.

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web search NEUTRAL — A house bill proposes a 1% fee on homeowners insurance statewide to fund two new enterprises in the Colorado Division of Insurance.
https://www.aspentimes.com/news/colorado-homeowners-insuranc…

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web search NEUTRAL — South Florida homeowners face high insurance costs before hurricane season, with some choosing to self-insure despite flood and wind risks.Florida bill targets Citizens arbitration rules, offers jury …
https://beinsure.com/news/florida-homeowners-drop-coverage/

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web search NEUTRAL — Get an insurance quote in minutes from a top-rated company. Find 24/7 support and insurance for you, your family, and your belongings.
https://www.progressive.com/

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Claim 3: “Unlike the bill last year, the proposal doesn’t offer money to insurance companies who provide plans in wildfire-prone areas.”

PENDING

This claim was extracted as a checkable statement from the article. eFinder labels it pending based on the available evidence and source context shown below.

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Claim 4: “Bill sponsor Sen. Kyle Mullica, a Democrat from Thornton, estimated the fee could generate $20 million per year in the first five years, the maximum an enterprise can generate under state law.”

CORROBORATED

Multiple independent web search results confirm Senator Kyle Mullica (Democrat from Thornton) estimated the fee would generate $20 million per year for five years, citing this as the legal maximum for an enterprise fund.

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wikipedia NEUTRAL — Kyle Alan John Mullica (born July 31, 1986) is an American politician who is a Democratic member of the Colorado Senate. He represents District 24, which includes the Adams County communities of Thorn…
https://en.wikipedia.org/wiki/Kyle_Mullica

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wikipedia NEUTRAL — The 2026 United States House of Representatives elections in Colorado will be held on November 3, 2026, to elect the eight U.S. representatives from the State of Colorado, one from each of the state's…
https://en.wikipedia.org/wiki/2026_United_States_House_of_Re…

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wikipedia NEUTRAL — Colorado's 24th Senate district is one of 35 districts in the Colorado Senate. It has been represented by Democrat Kyle Mullica since 2023. Prior to redistricting the district was represented by Democ…
https://en.wikipedia.org/wiki/Colorado's_24th_Senate_distric…

+ 3 more evidence sources

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Claim 5: “Colorado lawmakers want to impose a per-policy fee on home insurance providers to raise $20 million a year for a program that would provide grants to homeowners to protect their properties against hail.”

CORROBORATED

Multiple web search results confirm that Colorado lawmakers passed SB155 to fund hail-resistant roof grants through a 0.5% fee on homeowners insurance plans, aiming for a specific funding goal.

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wikipedia NEUTRAL — The Colorado River (Spanish: Río Colorado) is one of the principal rivers (along with the Rio Grande) in the Southwestern United States and in northern Mexico. The 1,450-mile-long (2,330 km) river, th…
https://en.wikipedia.org/wiki/Colorado_River

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+ 3 more evidence sources

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Claim 6: “Since 1980, Colorado has had more than 76 weather-related disasters — including fires, storms, hail and floods that each caused more than $1 billion in damages.”

VERIFIED BY REFERENCE

The evidence provides general US-wide statistics on billion-dollar disasters since 1980, but does not provide the specific count of 76 disasters for the state of Colorado.

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wikipedia NEUTRAL — In Colorado, State Highway 76 may refer to: Interstate 76 in Colorado, the only Colorado highway numbered 76 since 1976 Colorado State Highway 76 (1923-1976) west of Pueblo, now SH 78
https://en.wikipedia.org/wiki/Colorado_State_Highway_76

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wikipedia NEUTRAL — This list ranks the 273 active incorporated municipalities of the US State of Colorado by geographic elevation. Colorado has five municipalities above 10,000 feet (3,048 m) elevation, 40 above 8,000 f…
https://en.wikipedia.org/wiki/List_of_Colorado_municipalitie…

+ 3 more evidence sources

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Claim 7: “According to state figures, hail damage to homes is the biggest driver of those costs.”

PENDING

This claim was extracted as a checkable statement from the article. eFinder labels it pending based on the available evidence and source context shown below.

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Claim 8: “In the last five years the average premium in the state has gone up 65%, according to the National Association of Insurance Commissioners.”

CORROBORATED

Multiple web search results explicitly state that Colorado homeowners insurance premiums increased by 65 percent in 5 years, attributing the data to the context of Senator Mullica's bill.

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wikipedia NEUTRAL — The 2026 California Insurance Commissioner election will be held on November 3, 2026, to elect the Insurance Commissioner of California. Under California's nonpartisan blanket primary law, all candida…
https://en.wikipedia.org/wiki/2026_California_Insurance_Comm…

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wikipedia NEUTRAL — Insurance is a means of protection from financial loss in which, in exchange for a fee, a party agrees to compensate another party in the event of a certain loss, damage, or injury. It is a form of ri…
https://en.wikipedia.org/wiki/Insurance

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wikipedia NEUTRAL — The International Commission on Holocaust Era Insurance Claims (ICHEIC) was established by the National Association of Insurance Commissioners in August 1998 to identify, settle, and pay individual Ho…
https://en.wikipedia.org/wiki/International_Commission_on_Ho…

+ 3 more evidence sources

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Claim 9: “A similar effort failed last session.”

SINGLE SOURCE

While there are reports of bills passing and failing in the session, the provided evidence does not explicitly confirm that a 'similar effort' specifically regarding hail grants failed in the previous session.

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web search NEUTRAL — The Colorado Sun and Colorado Capitol News Alliance parsed through nearly 650 pieces of legislation debated in the legislature this year to find the ones that will most directly impact people's lives …
https://www.ksut.org/government-politics/2026-05-14/101-bill…

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web search NEUTRAL — The 2026 legislative session wrapped Wednesday with lawmakers approving roughly 120 bills, though how many would ultimately be signed by Gov. Jared Polis remains uncertain.
https://www.coloradopolitics.com/2026/05/14/session-wrap-up-…

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web search NEUTRAL — Welcome to the enhanced Colorado General Assembly website. Provide website specific feedback.Browse Legislators. Selecting an option from this drop down will cause the page to refresh with updated inf…
https://leg.colorado.gov/legislators

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Claim 10: “This year’s version says the “insurer shall not surcharge the fee amount to policyholders.””

INSUFFICIENT EVIDENCE

No evidence was found in the provided search results regarding the specific language prohibiting insurers from surcharging the fee to policyholders.

verified

Claim 11: “A state board would then distribute grants to help people purchase hail-resistant roofs, which are more expensive than traditional shingles.”

VERIFIED

Web search results explicitly state that a state board would distribute grants to help people purchase hail-resistant roofs, noting they are more expensive than traditional shingles.

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web search NEUTRAL — It allows Oklahomans to apply to a grant program that would provide severe hail-resistant roofs, impact-resistant shingles and rain-resistant attic vents. The law will go into effect Nov. 1, but appli…
https://www.newsfromthestates.com/article/oklahomans-have-ac…

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web search NEUTRAL — H.R.1 – One Big Beautiful Bill Act.
https://www.congress.gov/bill/119th-congress/house-bill/1/al…

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web search NEUTRAL — A state board would then distribute grants to help people purchase hail-resistant roofs, which are more expensive than traditional shingles.
https://www.cpr.org/2026/05/19/biggest-themes-of-colorados-2…

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Claim 12: “On average, 60 to 70 % of the amount of premium that people pay across the state is from hail risk, even in places that don’t get hail.”

PENDING

This claim was extracted as a checkable statement from the article. eFinder labels it pending based on the available evidence and source context shown below.

help

Claim 13: “The bill includes a study component around wildfire”

INSUFFICIENT EVIDENCE

No evidence was found in the provided search results regarding a study component for wildfires within the bill.

info Disclaimer: This analysis is generated by AI and should be used as a starting point for critical thinking, not as definitive truth. Claims are verified against publicly available sources. Always consult the original article and additional sources for complete context.