ZestyAI is helping insurers in Colorado comply with new requirements for wildfire risk transparency and mitigation.

Recently signed into law, HB 1182 requires insurers to disclose how wildfire risk models impact rates, account for property- and community-level mitigation efforts, notify policyholders annually of their risk scores and available discounts, and provide a clear appeals process for disputed scores. The new regulations take effect in July 2026 across homeowners and condo policies, including admitted carriers and the Fair Access to Insurance Requirements Plan.

"As regulatory expectations around transparency and customer engagement continue to evolve, HB 1182 sets a clear framework for wildfire risk modelling," said Bryan Rehor, head of regulatory affairs at ZestyAI. "ZestyAI’s models were built with these principles in mind, offering carriers a proven, low-friction way to meet these requirements while delivering a better experience to policyholders."

ZestyAI’s explainable AI models are already in use by the Colorado FAIR Plan and major carriers to assess mitigation and support policyholder communications in Colorado and other wildfire-prone states.

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