Your Community's Insurance Renewal Depends on This.
Starting July 2026, Colorado insurers must factor wildfire mitigation into your premiums. Communities with documented defensible space get recognized. Communities without it don't.
Get a Free Fire Risk Assessment →Colorado's Regulatory Timeline
HB 22-1387
Mandatory reserve studies for all Colorado HOAs. Your reserve study already says you need vegetation work.
FAIR Plan Launched
Colorado's insurer of last resort. FAIR Plan rates run $4,000-5,000+ per year per home. Boards desperate to avoid landing here.
HB 1182 Takes Effect
Insurers must factor property-specific mitigation into premiums. Documented defensible space = potential savings. No documentation = no recognition.
Wildfire Tax Credit
Homeowners who opt into private lot mitigation can claim up to $1,000/year in Colorado income tax credits.
Inaction Has a Price — and It's Measurable
Colorado homeowners insurance premiums rose 58% between 2018 and 2023. One Douglas County HOA saw community fees triple due to insurance alone.
The Colorado FAIR Plan — the insurer of last resort launched in April 2025 — charges $4,000-5,000+ per year per home. If your community's primary carrier drops coverage because mitigation isn't documented, every homeowner pays the price.
Starting July 2026, HB 1182 requires insurers to disclose their wildfire risk models and factor documented mitigation into premium calculations. Communities that can prove they've done the work get recognized. Communities that can't don't.
The question isn't whether mitigation costs money. It's whether your board can afford the insurance bill without it.
Turnkey Fire-Smart Protection
Four Steps to Protection
Fire Risk Assessment
We assess every acre of your community's common areas and map defensible space zones per Colorado State Forest Service standards. Professional report with photos and zone mapping.
Scope & Price
Fixed per-acre proposal for common areas, per-home pricing for private lot opt-ins. Financing through HOA Project Funding included — no special assessment.
Execute
Our ISA Certified Arborist partners handle all tree work, crown thinning, ladder fuel clearance, and slash cleanup. We manage homeowner scheduling and quality control.
Document & Maintain
We produce the complete HB 1182 insurance documentation package and homeowner tax credit paperwork. Annual maintenance contract keeps your community in compliance year over year.
Transparent Pricing
Financing available — no special assessment. Typical cost: $5-12/month per homeowner on a 36-month term. Learn about financing →
Your Homeowners Can Protect Their Own Lots Too
Private lot defensible space is where the tax credit lives. Homeowners who opt into our program get professional mitigation at group rates (~$1,500/home) and the documentation to claim Colorado's wildfire mitigation tax credit — up to $1,000/year through 2027.
For the board, this solves the other half of the problem: even with perfect common area mitigation, insurers look at the whole community. Higher private lot participation = stronger insurance position for everyone.
Colorado Law Explicitly Allows This
CCIOA §38-33.3-106.5(e) explicitly permits unit owners and HOAs to remove vegetation for defensible space when a certified plan is registered with the association. We handle the plan, the registration, and the execution.
Your Fences Are Part of the Picture Too
Wildfire-damaged or deteriorated fences are a common finding during our assessments. If your community's fences need attention, we offer a turnkey fence maintenance program under the same contract structure. One vendor, one relationship.
Learn about our Fence Program →Schedule Your Free Fire Risk Assessment
Professional zone mapping, defensible space evaluation, and a clear path to HB 1182 compliance — no commitment.
Request Your Free Assessment →