Questions & answers · Home insurance
My Colorado homeowners insurer is acting in bad faith on my hail claim. What are my options?
Home insuranceComplaint / outside reviewColoradoChecked Nov 6, 2026
From K.Actuary, founded by Sangmin Kwon, ASA · sources checked 2026-11-06 · Source: Colorado Division of Insurance View original ↗
In short
- Colorado's Division of Insurance looks into complaints.
- Complaints go through its Consumer Portal, or by a mailed form.
- It says to ask its team, your agent or an attorney about your policy or the law.
What this means
The Colorado Division of Insurance regulates insurers in the state, including homeowners insurance. Its Consumer Services section looks into consumer complaints and answers questions [1]. You file through the Consumer Portal. First you create an account with an email address and password [1]. After you submit, you get a Complaint ID and can upload documents [1]. You can also mail a printed complaint form [1]. The Division says to ask its team, your agent or a licensed attorney about your policy or Colorado law [1].
I did not find an official page that defines bad faith for Colorado. So this card does not say if your insurer's conduct meets a legal test.
Your next step
File your complaint through the Division's Consumer Portal, or mail the printed Complaint Form [1]. The sources give no deadline.
Check it yourself
Open Colorado Division of Insurance, File a Complaint, at https://doi.colorado.gov/for-consumers/file-a-complaint and read the part quoted above. Your own plan or policy papers hold details these sources do not give: "Don't know yet" for your case.
Where this comes from (1)
[1] Colorado Division of Insurance · checked 2026-11-06
The Division's Consumer Services section is a resource for Coloradans regarding insurance - investigating consumers' complaints, answering questions and providing education … Complaints are filed through the Consumer Portal , where you will first need to create an account using an email address and password … After your complaint is successfully submitted, a "Complaint ID" will be provided and an email will be sent t…
How we found this
We matched your question to 1 official source, quoted the exact lines, and re-checked each quote against its source on 2026-11-06.
What we don’t know yet
Your own plan or notice may say something different. If your letter cites another rule, send it and we will look again.
Every answer is checked against the official rule it quotes.
Information only — not legal advice. Your plan, insurer or agency decides.
This answer quotes the official sources listed above, with the date we checked them. Your own policy, notice and state rules control. We are not your lawyer or your insurer. We don’t file, argue or negotiate claims for you — you send any letter or form yourself.
Related answers
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Answer id CQ4506. Spotted an error? Tell us.