---
type: "Bill"
title: "Insurance Coverage For Loss Declared Fire Disaster"
description: "The act establishes new coverage requirements for homeowners insurance policies issued or renewed in Colorado, which requirements apply in the event of a total loss of an owner-occupied residence as a result of a wildfire disaster that is declared by the governor."
jurisdiction: "us/states/co"
legislature: "Colorado General Assembly"
session: "2022A"
identifier: "HB 22-1111"
citation: "Colorado HB 22-1111 (2022A)"
classification: ["bill"]
subjects: []
status: "enacted"
primary_sponsors: ["Bob Rankin", "Judy Amabile", "Stephen Fenberg"]
version_count: 11
action_count: 17
vote_count: 4
first_action: "2022-01-21T07:00:00+00:00"
last_action: "2022-06-02T06:00:00+00:00"
source: "openstates"
source_identifier: "ocd-bill/9f1aea35-e135-47a6-94f8-f82bbd6ae330"
source_url: "https://leg.colorado.gov/bills/hb22-1111"
source_hash: "9628e9d2211753c941271876291463e370b209039605ceac5f19c40d7ec40f91"
vintage: "2026-07-01"
source_snapshot: "https://data.openstates.org/daily/2026-07-01/public.pgdump"
retrieved_at: "2026-07-06"
confidence: "reported"
tags: ["legislation", "bill", "us-co"]
---

# Colorado HB 22-1111 (2022A) — Insurance Coverage For Loss Declared Fire Disaster

The act establishes new coverage requirements for homeowners insurance policies issued or renewed in Colorado, which requirements apply in the event of a total loss of an owner-occupied residence as a result of a wildfire disaster that is declared by the governor.

## Version chain

The bill's text revisions, in order — the diff chain from filing to enrollment.

1. **Committee Amendment** (committee substitute) — [source](https://leg.colorado.gov/sites/default/files/2022a_hb1111_s_app_002.pdf)
2. **Engrossed (03/15/2022)** (committee substitute) — [source](https://leg.colorado.gov/sites/default/files/documents/2022A/bills/2022a_1111_eng.pdf)
3. **Final Act (05/31/2022)** (committee substitute) — [source](https://leg.colorado.gov/sites/default/files/documents/2022A/bills/2022a_1111_enr.pdf)
4. **Introduced (01/21/2022)** (committee substitute) — [source](https://leg.colorado.gov/sites/default/files/documents/2022A/bills/2022a_1111_01.pdf)
5. **PA1 (03/11/2022)** (committee substitute) — [source](https://leg.colorado.gov/sites/default/files/documents/2022A/bills/2022a_1111hbus_01.pdf)
6. **PA2 (03/14/2022)** (committee substitute) — [source](https://leg.colorado.gov/sites/default/files/documents/2022A/bills/2022a_1111_h_bus_app_01.pdf)
7. **PA3 (04/12/2022)** (committee substitute) — [source](https://leg.colorado.gov/sites/default/files/documents/2022A/bills/2022a_1111_s_blt_01.pdf)
8. **Reengrossed (03/16/2022)** (committee substitute) — [source](https://leg.colorado.gov/sites/default/files/documents/2022A/bills/2022a_1111_ren.pdf)
9. **Rerevised (04/20/2022)** (committee substitute) — [source](https://leg.colorado.gov/sites/default/files/documents/2022A/bills/2022a_1111_rer.pdf)
10. **Revised (04/19/2022)** (committee substitute) — [source](https://leg.colorado.gov/sites/default/files/documents/2022A/bills/2022a_1111_rev.pdf)
11. **Signed Act (06/02/2022)** (committee substitute) — [source](https://leg.colorado.gov/sites/default/files/2022a_1111_signed.pdf)

## Votes

- CONCUR — **64–0** (pass) · lower
- BILL — **54–9** (pass) · lower
- BILL — **29–5** (pass) · upper
- REPASS — **54–10** (pass) · lower

## Sponsors

- Bob Rankin — primary (person)
- Judy Amabile — primary (person)
- Stephen Fenberg — primary (person)

## Timeline

The legislative action history — every referral, reading, and vote.

- **2022-06-02T06:00:00+00:00** Governor Signed `executive-signature`
- **2022-05-31T06:00:00+00:00** Sent to the Governor `executive-receipt`
- **2022-05-31T06:00:00+00:00** Signed by the President of the Senate
- **2022-05-26T06:00:00+00:00** Signed by the Speaker of the House
- **2022-04-22T06:00:00+00:00** House Considered Senate Amendments - Result was to Concur - Repass
- **2022-04-21T06:00:00+00:00** House Considered Senate Amendments - Result was to Laid Over Daily
- **2022-04-20T06:00:00+00:00** Senate Third Reading Passed - No Amendments `passage, reading-3`
- **2022-04-19T06:00:00+00:00** Senate Second Reading Special Order - Passed with Amendments - Committee
- **2022-04-19T06:00:00+00:00** Senate Committee on Appropriations Refer Unamended - Consent Calendar to Senate Committee of the Whole `committee-passage`
- **2022-04-11T06:00:00+00:00** Senate Committee on Business, Labor, & Technology Refer Amended to Appropriations `referral-committee`
- **2022-03-21T06:00:00+00:00** Introduced In Senate - Assigned to Business, Labor, & Technology `introduction`
- **2022-03-16T06:00:00+00:00** House Third Reading Passed - No Amendments `passage, reading-3`
- **2022-03-15T06:00:00+00:00** House Second Reading Passed with Amendments - Committee, Floor `reading-2`
- **2022-03-14T06:00:00+00:00** House Second Reading Laid Over Daily - No Amendments
- **2022-03-11T07:00:00+00:00** House Committee on Appropriations Refer Amended to House Committee of the Whole `committee-passage, referral-committee`
- **2022-02-10T07:00:00+00:00** House Committee on Business Affairs & Labor Refer Amended to Appropriations `referral-committee`
- **2022-01-21T07:00:00+00:00** Introduced In House - Assigned to Business Affairs & Labor `introduction`

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/9f1aea35-e135-47a6-94f8-f82bbd6ae330`. Confidence: reported (aggregated from official Colorado legislature records).