Colorado's rules on aerial roof photos and home insurance
Colorado's Division of Insurance says aerial images used for underwriting should be no more than 12 months old, can't be the sole basis for dropping you, and shouldn't be used to judge structural damage from cosmetic signs alone.
In short (Bulletin B-5.57, adopted March 2026)
- Images used for underwriting or rating should be no more than 12 months old, and not blurry or unclear.
- Aerial images may not be the sole basis for a cancellation, non-renewal, claim denial or coverage limit.
- Images may show cosmetic damage but shouldn't be relied on for damage that affects structural integrity.
- Adverse actions should rest on material or functional damage, and you should get a real chance to dispute the image and correct errors.
A revised version of the bulletin (allowing images up to 18 months old) has been proposed but, as of this update, we have not seen it adopted.
Hail, granule loss and "roof condition"
Front Range roofs take a beating, and aerial models often flag hail marks, granule loss or streaking as "poor condition." Under the bulletin, that alone isn't enough: ask what additional information the insurer used, and get a licensed roofer to document whether the damage is functional or cosmetic. If there was a recent hail storm, check whether you have an open claim window before arguing about condition.
Got a letter? Roofd checks your notice against Colorado's rules and drafts your appeal letter and evidence checklist for free, in about ten minutes.
Start your appealWhat to do this week
- Write down your deadline. The date coverage ends is on the notice. Everything below needs to happen before it.
- Ask for the image in writing. Email or mail your insurer: "Please send the aerial image(s) used for this decision, the date each was captured, and the specific condition you found."
- Get your own evidence. Dated phone photos of every roof slope, plus a written opinion from a licensed roofer or home inspector on remaining life. Keep receipts for any repairs.
- Send a written appeal. Cite the rule below, attach your evidence, and ask them to rescind the notice. Send it so you can prove delivery.
- Escalate if they don't answer. File a complaint with your state insurance department and, in parallel, ask an independent agent to quote other carriers so you aren't left uninsured.
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