Strengthen Colorado Homes resilient roof grant

A tracker, not a promise. Here is exactly what exists today, what does not, and what we are watching for.

What the bill actually does

Senate Bill 26-155, "Increase Access Homeowner's Insurance Enterprise", creates the Strengthen Colorado Homes Enterprise: a government-owned business inside the Department of Regulatory Agencies' Division of Insurance, governed by a seven-member board that includes the insurance commissioner and members with expertise in home hardening, risk mitigation, resilient roofing systems and insurance underwriting.

Its mechanics, as enacted:

• Beginning in 2027, admitted insurers writing homeowner policies pay an annual fee of 0.5 percent of the multiperil homeowner premium they collect, capped at $100 million across the first five years.
• At least 85 percent of that revenue must fund grants for Colorado homeowners retrofitting their homes with resilient roof systems.
• Insurers must grant resilient-roof discounts.
• From no sooner than January 1, 2027, insurers file annually reporting policies in force, homes with resilient roof systems installed, discounts applied for resilient roofs, and wind and hail claim frequency and severity.

Source: leg.colorado.gov, SB26-155.

What has not been published

Everything a homeowner would need to actually apply. There is no application, no eligibility rule, no defined grant amount, no announced opening date, and no published definition of which roof systems qualify as resilient for grant purposes. The enterprise has to stand up, the board has to be seated, and the fee has to start collecting before any of that can follow.

Should you wait?

If your roof is failing, or hail has already taken it, no. Waiting for an unpublished program with no date, while water gets into your deck, is a bad trade. Replace the roof you need.

If your roof is sound and you are planning ahead a year or two, it is reasonable to watch this page. A resilient roof installed before a grant program opens may or may not be eligible retroactively, and nobody can tell you today because the rule does not exist yet.

Either way, the credit you can actually get right now is your carrier's own impact-resistant program. See the Class 4 insurance discount guide, and the Colorado Metal Roofing Guide for the whole decision.

What we are watching

• Division of Insurance rulemaking or program guidance for the enterprise
• The board being seated and any published meeting record
• A definition of qualifying resilient roof systems for grant purposes
• The first insurer filings, due no sooner than January 2027
• Whether installations completed before the program opens are eligible

This page is updated when any of those move, and the status box above carries the date.

Questions homeowners ask

Can I apply for the grant now?

No. As of July 2026 there is no published homeowner application. The enterprise is funded by an insurer fee that begins in 2027, and the Division of Insurance has not released homeowner-facing program detail.

Should I wait for it before replacing my roof?

If your roof is failing or has been hail damaged, no. There is no published application, no announced amount and no confirmed opening date. Fix a roof you need now and treat the grant as upside if it arrives.

How much money is in the program?

The fee is set at 0.5 percent of insurers’ multiperil homeowner premium annually, capped at $100 million across the first five years, and at least 85 percent of revenue must fund homeowner resilient-roof retrofit grants. What that turns into per household has not been published.

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