The 2025 Legislative Session has come to a close and the Governor has signed, or is anticipated to sign, a number of bills into law that will directly impact community associations. Here are our top-runners this year:
- SUNSET REVIEWS. Both the HOA Information and Resource Center and the Towing Task Force were up for review this year and both were extended. SB25-184 Continuation of HOA Information and Resource Center (currently pending Governor signature) has been extended until 2030 while SB25-175 Continuation of Towing Task Force (also pending Governor signature) will extend to 2037.
- INSURANCE. As you are no doubt aware, insurance continues to be a hot button issue in Colorado. While the Insurance Task Force continues to investigate the current insurance crisis, there were three insurance bills that passed through the legislature in the interim. One has been signed by the Governor and the other two are pending his signature.
HB25-1205 Implementation of Fair Access to Insurance Requirements Plans was signed by the Governor on April 17, 2025. This bill creates the “FAIR” plan association, which is established to provide property insurance coverage, including commercial property insurance, when coverage is not available from other companies. The FAIR plan association requires those companies conducting insurance business in Colorado to be member insurers. FAIR’s purpose is to assess and share expenses, income and losses among member insurers.
In addition, HB25-1322 Enforce Insurer Compliance Requests Insurance Policy requires an insurance carrier to make a certified copy of the insurance policy to the policy holder within 30 days after a written request has been received by the insurance carrier’s registered agent. Further, this bill imposes penalties against the insurance carrier if the policy is not made available to the policy holder within those 30 days.
And finally, HB25-1182 Risk Model Use in Property Insurance Policies will require an insurer to provide information and data on models and scoring methods it is using to determine risks of insuring as well as requiring the insurer to submit information on how and whether models used for underwriting and rating account for state-wide mitigation activities. Insurers must post publicly accessible information on its website regarding discounts and incentives available to policy holders that undertake mitigation actions and its process for policy holders to appeal risk scores. - CONSTRUCTION DEFECT. Construction Defect was a topic of conversation this legislative session, resulting in the passage and Governor signature of HB25-1272 Construction Defects and Middle Market Housing. Also referred to as the “Colorado American Dream Act”, this bill does a number of things including imposing a six-year deadline (statute of limitation) on Construction Defect actions and setting forth Affirmative Defenses that a Construction Professional may raise against a claim, including that the defect was caused by weather, failure to follow maintenance recommendations, human-caused event (such as vandalism) or ordinary wear and tear. It also increases the owner voting threshold to pursue a construction defect claim from a simple majority to a 65% vote.
- COLLECTIONS/FORECLOSURE. Your “shocked” face doesn’t fool me – you knew, in your heart of hearts, that there were going to be more collection and/or foreclosure bills coming, and of course, 2025 did not disappoint. HB25-1043 Owner Equity Protection in Homeowners’ Association Foreclosure Sales is ready and waiting for the Governor’s signature. As we’ve come to expect, this bill will require revised collection policies.
Some of the bill’s highlights include requiring the association to provide links to owners regarding the collection of assessments, foreclosure and forced sales, and credit counseling information, as well as requiring the association to periodically request contact information (telephone and email address) from owners. An owner who is being foreclosed on by the association may request that the court stay the foreclosure sale for up to nine months to allow the owner time to sell the property.
Additionally, an association must file data relating to payment plans, judgments and foreclosures each year as part of its annual registration with DORA. Some good news though is that an association who does not have an owners’ telephone or email information may now send a delinquency letter to the owner via first class mail (in addition to the certified mail requirement) in order to comply with the statute.
There’s certainly a lot more in this bill, so we recommend reaching out to the association’s attorney for more information. - MISCELLANEOUS BILLS.
- HB25-1117 Vehicle Immobilization Company Regulation. This bill imposes requirements on vehicle immobilization (such as booting) that are similar to the towing requirements, including: providing written parking rules, 24-hour notice prior to immobilization, documented permission prior to immobilizing, etc. This bill is on the Governor’s desk for signature.
- HB25-1077 Backflow Prevention Devices. While installation or removal of devices would still need to be completed by a licensed individual, this bill allows the inspection, testing or repairing of backflow prevention devices to be completed by an individual who would be exempt from such licensure. This bill was signed by the Governor on March 28, 2025.
- HB25-1053 Landowner Immunity from Civil Liability Over Access to Property in connection with emergency was another bill we saw come through this session. Signed by the Governor on March 20, 2025, this bill provides immunity from civil liability to landowners who act in good faith when allowing access to property for emergency entry and exit.
These are just some of the bills that came through this session. And just as we’ve seen in past years, there were a number of bills that came through, including many that were specifically focused on community associations. You can follow all of these bills and more on our 2025 Legislative Tracker. We anticipate this to happen again in 2026, so prepare yourselves and your budgets for next year.
If you have questions about these bills or the 2025 legislative session, please contact an Altitude attorney at 303.432.9999 or [email protected].