Homeowners insurance doesn’t cover the cost of termite removal or extermination. Damage to your home caused by termites is typically not covered either, since termites are considered a home maintenance issue rather than a sudden and unexpected peril. However, termite damage may be covered in some cases, so check your policy or speak to your insurance provider to understand your coverage options.

Yes, a standard Colorado home insurance policy will cover roof damage caused by hail. However, you may need to pay a separate wind and hail deductible when filing a claim for hail damage — and that deductible could be a sizable amount. Colorado hail deductibles are typically written as a percentage of your dwelling coverage limit, often 1 to 5%. The resulting figure is usually at least $1,000 but could be $10,000 or more. 

Under HB25-1182 (effective July 1, 2026), you can appeal your wildfire risk score by submitting a written appeal with documentation of any mitigation measures you've completed on your property. Your insurer must acknowledge your appeal within 10 days and issue a final decision within 30 days.

Standard home insurance generally does not cover mudslides, which are considered a form of earth movement — even if the mudslide was caused by a wildfire. Mudslides are typically covered by flood insurance. If you live in a mountainous area, this is worth discussing with your insurer.