Appeal your insurer’s wildfire risk score
If an insurer assigned your home a wildfire score you believe is wrong — or that ignores the work you’ve done — you can appeal. In Colorado, HB 25-1182 requires a decision within 30 days. This free kit builds your case and your letter, step by step.
Wildfire Score Appeal Kit
Build a documented appeal of the wildfire risk score your insurer assigned you. Capture your score, gather your parcel and community mitigation evidence, generate a formal reconsideration letter, and track the 30-day clock.
Start with what your insurer told you, then get your own independent read. Under HB 25-1182 your insurer must give you a written notice with your score, the possible range, the primary property features that drove it, and how mitigation affects it — ask for it if you don’t have it.
Don’t know your FireRisk score? Get it now — enter your address:
Independent, parcel-level, from federal data — your reference point. Your appeal stays saved here; the full report opens in a new tab.
General information only — not legal or insurance advice, and not a guarantee of any outcome. Appeal rights, deadlines, and procedures vary by state and policy; Colorado’s HB 25-1182 provides a 30-day reconsideration. Confirm the requirements that apply to you with your insurer and your state Department of Insurance.
Why this works
Wildfire risk scores used to be a black box. Colorado’s HB 25-1182 changed that: insurers that use a wildfire risk model must explain your score, show its range, quantify how mitigation moves it, consider both parcel and community mitigation, and answer an appeal within 30 days. The homeowners who win reconsiderations are the ones who show up with documentation — an independent parcel-level read, dated proof of completed mitigation, and the community efforts the law requires insurers to weigh. That’s exactly what this kit assembles.
Wildfire score appeal FAQ
Can I appeal my wildfire risk score from my insurance company?
In Colorado, yes — HB 25-1182 gives policyholders the right to appeal a wildfire risk score or classification assigned by an insurer’s model, and the insurer must respond with a reconsideration and a written decision within 30 days. Other states are moving in the same direction. A strong appeal documents your completed parcel-level mitigation and any community-wide mitigation, and asks the insurer to explain and correct the factors behind your score.
How do I appeal a wildfire risk score?
Request your score and the reason in writing, get an independent parcel-level read for reference, document your mitigation (with dated photos, invoices, and inspections), note any community mitigation like a Firewise USA® site, then submit a written reconsideration request citing your rights and asking for a decision within the required timeframe. This free Appeal Kit walks you through each step and generates the letter.
What is the strongest basis for a wildfire score appeal?
The most effective grounds are (1) completed mitigation the score doesn’t reflect, (2) factual errors in the property characteristics the model used, (3) community-wide mitigation the insurer is required to consider, and (4) a request for the score’s factors and range so you can verify them. Documentation — not argument — is what wins reconsiderations.
How long does an insurer have to respond to a wildfire score appeal?
Under Colorado’s HB 25-1182, the insurer must respond with a reconsideration and a decision within 30 days. The kit’s tracker logs your submission date and counts down the deadline; if it passes with no decision, you can escalate to the Colorado Division of Insurance for free.
Is the Appeal Kit legal advice?
No. It’s a free organizing and document-generation tool to help you exercise rights that already exist. For the exact statutory requirements and how they apply to your policy, consult the official bill text, your state Department of Insurance, or a licensed professional.
General information only, not legal or insurance advice, and not a guarantee of any outcome. Appeal rights and deadlines vary by state and policy. FireRisk.ai is an independent risk-information service and is not affiliated with any insurer or government agency.