---
type: "Bill"
title: "Risk Model Use in Property Insurance Policies"
description: "The act requires a property insurer that uses a wildfire risk model, a catastrophe model, or a scoring method to assign risk to:"
jurisdiction: "us/states/co"
legislature: "Colorado General Assembly"
session: "2025A"
identifier: "HB 25-1182"
citation: "Colorado HB 25-1182 (2025A)"
classification: ["bill"]
subjects: []
status: "enacted"
primary_sponsors: ["Brianna Titone", "Cleave Simpson", "Kyle Brown", "Lisa Cutter"]
version_count: 10
action_count: 15
vote_count: 4
first_action: "2025-02-10T07:00:00+00:00"
last_action: "2025-05-28T06:00:00+00:00"
source: "openstates"
source_identifier: "ocd-bill/198e7e40-e3cb-4b55-9635-5baf6b17d1fc"
source_url: "https://leg.colorado.gov/bills/hb25-1182"
source_hash: "059b1e95ee42003b02508a1158a26325c00b0103da79a54175b386418ded76f7"
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 25-1182 (2025A) — Risk Model Use in Property Insurance Policies

The act requires a property insurer that uses a wildfire risk model, a catastrophe model, or a scoring method to assign risk to:

## 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/2025a_hb1182_s_blt_001.pdf)
2. **Engrossed (03/19/2025)** (committee substitute) — [source](https://leg.colorado.gov/sites/default/files/documents/2025A/bills/2025a_1182_eng.pdf)
3. **Final Act (05/01/2025)** (committee substitute) — [source](https://leg.colorado.gov/sites/default/files/documents/2025A/bills/2025a_1182_enr.pdf)
4. **Introduced (02/10/2025)** (committee substitute) — [source](https://leg.colorado.gov/sites/default/files/documents/2025A/bills/2025a_1182_01.pdf)
5. **PA1 (03/17/2025)** (committee substitute) — [source](https://leg.colorado.gov/sites/default/files/documents/2025A/bills/2025a_1182_h_bus_01.pdf)
6. **PA2 (04/02/2025)** (committee substitute) — [source](https://leg.colorado.gov/sites/default/files/documents/2025A/bills/2025a_1182_s_blt_01.pdf)
7. **Reengrossed (03/20/2025)** (committee substitute) — [source](https://leg.colorado.gov/sites/default/files/documents/2025A/bills/2025a_1182_ren.pdf)
8. **Rerevised (04/04/2025)** (committee substitute) — [source](https://leg.colorado.gov/sites/default/files/documents/2025A/bills/2025a_1182_rer.pdf)
9. **Revised (04/03/2025)** (committee substitute) — [source](https://leg.colorado.gov/sites/default/files/documents/2025A/bills/2025a_1182_rev.pdf)
10. **Signed Act (05/28/2025)** (committee substitute) — [source](https://leg.colorado.gov/sites/default/files/2025a_1182_signed.pdf)

## Votes

- CONCUR — **44–18** (pass) · lower
- BILL — **33–1** (pass) · upper
- REPASS — **42–20** (pass) · lower
- BILL — **45–18** (pass) · lower

## Sponsors

- Brianna Titone — primary (person)
- Cleave Simpson — primary (person)
- Kyle Brown — primary (person)
- Lisa Cutter — primary (person)
- A. Boesenecker — cosponsor (person)
- B. Marshall — cosponsor (person)
- C. Clifford — cosponsor (person)
- F. Winter — cosponsor (person)
- J. Bacon — cosponsor (person)
- J. Joseph — cosponsor (person)
- J. Mabrey — cosponsor (person)
- J. McCluskie — cosponsor (person)
- K. Stewart — cosponsor (person)
- K. Wallace — cosponsor (person)
- M. Duran — cosponsor (person)
- M. Lindsay — cosponsor (person)
- N. Ricks — cosponsor (person)
- S. Bird — cosponsor (person)
- T. Story — cosponsor (person)

## Timeline

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

- **2025-05-28T06:00:00+00:00** Governor Signed `executive-signature`
- **2025-05-02T06:00:00+00:00** Sent to the Governor `executive-receipt`
- **2025-05-01T06:00:00+00:00** Signed by the President of the Senate
- **2025-05-01T06:00:00+00:00** Signed by the Speaker of the House
- **2025-04-11T06:00:00+00:00** House Considered Senate Amendments - Result was to Concur - Repass
- **2025-04-06T06:00:00+00:00** House Considered Senate Amendments - Result was to Laid Over Daily
- **2025-04-04T06:00:00+00:00** Senate Third Reading Passed - No Amendments `passage, reading-3`
- **2025-04-03T06:00:00+00:00** Senate Second Reading Special Order - Passed with Amendments - Committee
- **2025-04-01T06:00:00+00:00** Senate Committee on Business, Labor, & Technology Refer Amended - Consent Calendar to Senate Committee of the Whole `committee-passage`
- **2025-03-25T06:00:00+00:00** Introduced In Senate - Assigned to Business, Labor, & Technology `introduction`
- **2025-03-20T06:00:00+00:00** House Third Reading Passed - No Amendments `passage, reading-3`
- **2025-03-19T06:00:00+00:00** House Second Reading Special Order - Passed with Amendments - Committee, Floor
- **2025-03-18T06:00:00+00:00** House Second Reading Laid Over Daily - No Amendments
- **2025-03-13T06:00:00+00:00** House Committee on Business Affairs & Labor Refer Amended to House Committee of the Whole `committee-passage, referral-committee`
- **2025-02-10T07:00:00+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/198e7e40-e3cb-4b55-9635-5baf6b17d1fc`. Confidence: reported (aggregated from official Colorado legislature records).