Assessment Partner
Built for Colorado
HB-1182 Compliance
Mitigation Education
THE ROMO Fire™ RISK SCORING SYSTEM
Designed for Carriers...Built for Colorado
Colorado’s wildfire risk scoring and assessment system purpose-built to support insurer compliance with HB-1182.
ROMO Fire delivers transparent, property-specific wildfire scores, mitigation documentation, and Division-ready reporting that carriers can rely on.
Colorado's Wildfire Assessment Partner
ROMO F.A.S. provides comprehensive, property-specific wildfire scoring and documentation aligned with the requirements of HB-1182, including:
• Property-Specific Wildfire Risk Scores
• Community-Level Mitigation Factors
• Carrier-Ready Documentation & Transparency
• Mitigation Verification & Photo Evidence
• Policyholder Score Explanations
• Optional Appeals Support
• Division-Ready Data for Rate Filings
We help carriers meet compliance requirements without adding internal workload or infrastructure.
HB-1182 Compliance Alignment
Built Around Colorado’s Wildfire Risk Model Requirements
Our scoring rubric incorporates all factors mandated by law, including:
• Defensible space
• Vegetative fuels & density
• Topography and slope
• Structure vulnerabilities
• Access & egress
• Proximity to suppression resources
• Neighborhood & community mitigation efforts
Each property receives a transparent, fully documented report suitable for carriers, policyholders, and DOI review.
The ROMO Fire™ Fire Score Report
Clear. Documented. Transparent.
Every score includes:
• Detailed scoring breakdown
• Photographs & GIS references
• Mitigation recommendations
• Community-level risk considerations
• Supporting documentation for appeals
• Carrier-ready files for compliance
COLORADO HB-1182 COMPLIANCE
Carrier Compliance Package
ROMO Fire’s SaaS platform is fully aligned with the statutory requirements of HB-1182 by incorporating mandatory mitigation factors, providing transparent and audit-ready scoring documentation, supporting annual disclosure and appeals workflows, and enabling insurers to meet both regulatory and rate-filing obligations through a modern, data-driven wildfire risk assessment system.
Risk Scoring & Documentation
Property-specific wildfire risk scoring aligned with HB-1182 requirements, including mitigation factors, documentation, and Division-ready reporting.
Policyholder Transparency & Education
Clear score explanations and optional mitigation education to support transparency, engagement, and compliance with disclosure and appeal requirements.
Carrier Workflow Integrations
Designed to integrate into existing carrier workflows without added infrastructure, internal staffing, or operational disruption.
POLICYHOLDER MITIGATION EDUCATION
The "Don't Be a Fuel®" H.O.M.E. Series
The H.O.M.E. Series® is provided at no cost to carriers as part of the ROMO Fire HB-1182 Compliance Package.
The H.O.M.E. Series is ROMO Fire’s flagship e-learning program designed to educate Colorado homeowners on the steps required to actively reduce wildfire risk on their property. Built specifically to support HB-1182 compliance, the course gives carriers a turnkey way to deliver policyholder education, document mitigation actions, and justify premium discounts for homeowners who complete the program.
Through short, mobile-friendly lessons, the H.O.M.E. Series teaches policyholders four core areas essential to lowering risk and improving a property’s wildfire score:
Vegetative Fuels & Defensible Space
How vegetation density, clearance zones, and maintenance directly impact wildfire risk and scoring outcomes.
Structure Vulnerability Awareness
Education on building materials, attachments, and maintenance factors that influence wildfire exposure.
Access, Egress & Community Risk
How neighborhood design, access routes, and shared mitigation efforts affect overall risk classification.
Mitigation Documentation & Verification
Guidance on documenting completed mitigation actions to support transparency, scoring updates and appeals.
NEED HB-1182 COMPLIANCE ASSISTANCE?
Our team will identify compliance gaps, outline a clear path forward, and show you how ROMO Fire can deliver property-level mitigation, documentation, and homeowner education, at scale and with minimal operational lift.