Free Timestamped Roof Condition & Storm Photo Inspection Report: call or text (720) 948-5726.
Colorado insurance guide · Updated Oct 22, 2026
Insurer used a drone or aerial photo on your roof?Here's what Colorado homeowners can do.
Not every insurer uses aerial imagery to underwrite, but we're seeing it more and more. Colorado's DOI says a picture from above shouldn't be the only reason for a nonrenewal or a cut claim.
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Check your own declarations page. If an aerial-imagery flag, a roof condition letter or a nonrenewal notice is listed there, this page explains what it means for your roof and your check.
Find out before you file, free policy check: (720) 948-5726
Before you file
Free Timestamped Roof Condition & Storm Photo Inspection Report. Know your number first.
A flagged aerial photo isn't the last word. Timestamped, slope-by-slope photos give you something factual to send your insurer. It's a factual photo report, not a certification, warranty or guarantee of insurability.
Free Timestamped Roof Condition & Storm Photo Inspection Report
What we check with you
- Timestamped photos of every slope
- Storm and hail damage close-ups
- Permit history lookup
- Written condition notes, facts only
The DOI's position
What does Colorado say about aerial roof photos?
DOI Bulletin B-5.57 (aerial imagery)
Effective March 16, 2026. The Division of Insurance says aerial imagery "should not be treated as definitive or determinative on its own," that visible roof conditions in aerial images "should not be relied upon as the sole basis for adverse actions," and that insurers should get additional reliable information before acting. For underwriting and rating, it says imagery generally should be no more than 12 months old.
Source: DOI Bulletin B-5.57 (PDF)
"Adverse action"
B-5.57 lists underwriting or eligibility decisions, tier or rating impacts, coverage limits, nonrenewals, cancellations, and claim denials or reductions.
Source: B-5.57
Cosmetic vs. material condition
The bulletin says insurers should distinguish cosmetic conditions from material degradation or functional damage, and support adverse actions with evidence of damage, not appearance alone.
Source: B-5.57
Free Timestamped Roof Condition & Storm Photo Inspection Report.
We read your declarations page with you and inspect the roof. Free, no obligation.
Nonrenewal notice
How much notice does my insurer have to give?
60-day nonrenewal notice
Under C.R.S. 10-4-110.7(3), as amended by HB23-1174, an insurer must mail notice at least 60 days before cancelling or refusing to renew a homeowner's policy, and the notice must state the reasons. Cancellation for nonpayment needs only 10 days.
Source: C.R.S. 10-4-110.7 · HB23-1174
What to do
My insurer flagged my roof from the air. What now?
1. Ask for the image and the date
Ask in writing which image was used, when it was captured, and what condition it supposedly shows.
2. Get a ground-level inspection
Dated photos of every slope, close-ups of whatever was flagged, and a written condition summary from the roofer.
3. Add records
Permit records, install invoices and repair receipts show the roof's real age and work history.
4. Send it before the deadline
Send it to your agent and the underwriting department, and keep proof of delivery. If you're stuck, contact the Colorado DOI.
Takeaways
- Aerial photos shouldn't be the only basis for an adverse action (B-5.57).
- Nonrenewal needs 60 days' mailed notice with reasons.
- Answer with dated ground photos and permit records.
Free Timestamped Roof Condition & Storm Photo Inspection Report.
We read your declarations page with you and inspect the roof. Free, no obligation.
Can my insurer non-renew me based on a drone or satellite photo?
The Colorado DOI's Bulletin B-5.57 says visible conditions in aerial imagery should not be the sole basis for nonrenewals or other adverse actions, and insurers should get additional reliable information first. Bulletins state the DOI's position; they aren't statutes.
How much notice is required before a homeowners nonrenewal in Colorado?
At least 60 days by first-class mail, with the specific reasons (C.R.S. 10-4-110.7(3), as amended by HB23-1174). Nonpayment cancellations need 10 days.
What should I send my insurer?
Dated ground-level photos of every slope, a written roof condition summary, and permit or invoice records showing the roof's age and repairs.
Is Homey a public adjuster?
No. Homey is a roofing contractor. We inspect, photograph and document your roof.
Free Timestamped Roof Condition & Storm Photo Inspection Report.
We read your declarations page with you and inspect the roof. Free, no obligation.
B-5.57 and C.R.S. 10-4-110.7 checked Oct 22, 2026. Homey Roofing and Restoration is a roofing contractor, not a public adjuster. Your policy wording controls your coverage. Updated Oct 22, 2026.