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Disclaimer: This graph displays rate increases, which refers to direct changes to the rate levels and parameters in the insurers’ rating plans. In addition to this, certain changes in policy features can lead to a premium increase beyond that which is driven by a rate increase. 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Environment of persisting high Loss & DCC ratios: In light of these findings regarding the performance of the Colorado market, it is not surprising to see carriers making upward rate adjustments. 2. Impact of wildfires on these results: It is widely known that the state of Colorado has experienced significant wildfire activity over the recent years, which contributed – at least partially – to the high loss ratios. As such, we anticipate that at least some of the profitability measures implemented by carriers in the state may have been targeted towards the wildfire risk. 3. Availability/Affordability considerations: Extended periods of unprofitability coupled with catastrophic exposures may force some carriers to implement drastic pricing and/or underwriting measures in order to restore adequate profit margins, which – at least in the short term – may lead to availability and/or affordability concerns for the population seeking coverage. 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}, "tool": { "name": "Quantification", "slug": "quantification", "status": "active", "bestFor": null, "canonId": "019dd9e1-47ab-72ce-a079-aab1f5299e88", "version": 1, "bodyDocId": null, "description": "Translating a claim into numbers, charts, or tables.", "familyLabel": null }, "subkind": null, "framework": null }, "subkind": "primary", "groupRole": null, "confidence": null, "extraction": { "at": "2026-04-24 13:38:48+00", "model": "or:google/gemini-3.1-flash-lite-preview", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "019dd951-d9f0-7525-9c47-8ff2d5f8df93", "parentComponentId": null }, { "bbox": { "h": 0.03, "w": 0.8, "x": 0.05, "y": 0.1 }, "kind": "title", "text": "In fact, a more thorough analysis of the correlation does not suggest significant shrinkage in high-risk areas.", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title 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Some of the useful information we relied on includes the type of code ('Standard' or 'PO Box'), their central location (lat./long.), as well as associated their cities and counties. 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Some of the surveyed carriers – either because they did not respond or because material data integrity concerns were identified – had to be excluded from the data analysis. This brought us down to 95.3% market shares available for our analysis, which we feel is sufficient to depict an adequate portrait of the industry in this state. However, we recognize that in the event where significant movement would be happening within the remaining 4.7% (e.g., significant growth in 2022), this could have an impact on our findings.", "attrs": null, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Bullet list", "slug": "bullet", "status": "active", "canonId": "019de52c-fc98-7169-a083-5cab805076ca", "version": 1, "description": null }, "framework": null }, "subkind": "bullet", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 18:38:00.873+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "6810bf9a-e5a1-4761-b52b-8c1f1db053cd", "parentComponentId": null }, { "bbox": { "h": 0.135, "w": 0.924, "x": 0.038, "y": 0.568 }, "kind": "list", "text": "Reliance on Guy Carpenter's wildfire score: In order to assess the wildfire exposure in the state, we have relied on the wildfire score developed by our sister company Guy Carpenter. We recognize that different vendors may come to different assessments of the wildfire risk in the state. Also, due to the granularity of the surveyed data, we represented wildfire exposure at the zip code level. This is an important simplification, as in practice the wildfire risk may vary greatly within a zip code. 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As our goal was to depict industrywide trends, all the exhibits & findings presented throughout this report are always aggregated in some way. We did not highlight information from individual carriers anywhere in this report.", "attrs": null, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Bullet list", "slug": "bullet", "status": "active", "canonId": "019de52c-fc98-7169-a083-5cab805076ca", "version": 1, "description": null }, "framework": null }, "subkind": "bullet", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 18:38:00.873+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "ac6671d7-ec4c-4ed3-a41d-9030c6459c58", "parentComponentId": null }, { "bbox": { "h": 0.135, "w": 0.924, "x": 0.038, "y": 0.398 }, "kind": "list", "text": "Discrepancies with NAIC Statements: All carriers were instructed to report premium volumes that reconcile with their NAIC annual statements for “Homeowners Multi-Peril” in Colorado. We performed a reconciliation, and where the discrepancies were completely unrealistic (in multiples of the NAIC-reported volume), we contacted the carriers for revision. Smaller discrepancies – which could range from -22% to +22% depending on the carriers & years – have been observed as well. 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(Oliver Wyman) prepared this report for the State of Colorado's Division of Insurance (the Agency), to support the Agency in fulfilling the requirements of SB22-206, C.R.S. § 10-1-143, which requires the commissioner of the Agency to conduct a study and prepare a report concerning methods to address the stability, availability, and affordability of homeowner's insurance for Coloradans with a focus on stabilizing the current market.", "attrs": null, "canon": { "kind": { "name": "Disclaimer", "slug": "disclaimer", "status": "active", "canonId": "91173477-d91f-4024-bbaf-d4f93e3f82dc", "version": 1, "description": "Legal/cautionary text that occupies most of the body of its slide." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 18:38:01.471+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "27eb18f8-39a6-429b-a4eb-38e2b71c67ac", "parentComponentId": null }, { "bbox": { "h": 0.12, "w": 0.86, "x": 0.07, "y": 0.68 }, "kind": "disclaimer", "text": "Information furnished by others, upon which all or portions of this report are based, is believed to be reliable but has not been verified. No warranty is given as to the accuracy of such information. Public information and industry and statistical data are from sources Oliver Wyman deems to be reliable; however, Oliver Wyman makes no representation as to the accuracy or completeness of such information and has accepted the information without further verification. No responsibility is taken for changes in market conditions or laws or regulations and no obligation is assumed to revise this report to reflect changes, events or conditions, which occur subsequent to the date hereof.", "attrs": null, "canon": { "kind": { "name": "Disclaimer", "slug": "disclaimer", "status": "active", "canonId": "91173477-d91f-4024-bbaf-d4f93e3f82dc", "version": 1, "description": "Legal/cautionary text that occupies most of the body of its slide." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 18:38:01.471+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "67eec8ac-0d06-46e3-b0de-5fd7fc576174", "parentComponentId": null }, { "bbox": { "h": 0.15, "w": 0.86, "x": 0.07, "y": 0.48 }, "kind": "disclaimer", "text": "This report is being provided strictly for information purposes and, in the case of regulators and officers of the Agency, is intended to be used by them solely for the purposes set forth in SB-22-206 and to fulfil their related legislative, regulatory, administrative, and official functions. This report may not be reproduced, quoted, or distributed for any other purpose or to any other third party without the prior written permission of Oliver Wyman. All decisions in connection with the implementation or use of the results, advice or recommendations contained in this report are the sole responsibility of the Agency. Oliver Wyman shall not have any liability to any third party in respect of this report or any actions taken or decisions made as a consequence of the results, advice or recommendations set forth herein.", "attrs": null, "canon": { "kind": { "name": "Disclaimer", "slug": "disclaimer", "status": "active", "canonId": "91173477-d91f-4024-bbaf-d4f93e3f82dc", "version": 1, "description": "Legal/cautionary text that occupies most of the body of its slide." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 18:38:01.471+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "71fefbfc-9ef0-444c-8698-2c88d7c92f71", "parentComponentId": null }, { "bbox": { "h": 0.02, "w": 0.86, "x": 0.07, "y": 0.64 }, "kind": "disclaimer", "text": "The opinions expressed herein are valid only for the purpose stated herein and as of the date hereof.", "attrs": null, "canon": { "kind": { "name": "Disclaimer", "slug": "disclaimer", "status": "active", "canonId": "91173477-d91f-4024-bbaf-d4f93e3f82dc", "version": 1, "description": "Legal/cautionary text that occupies most of the body of its slide." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 18:38:01.471+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "a2601186-4acf-4c7d-b076-e2c672660173", "parentComponentId": null }, { "bbox": { "h": 0.04, "w": 0.86, "x": 0.07, "y": 0.42 }, "kind": "disclaimer", "text": "This report includes important considerations, assumptions, and limitations and, as a result, is intended to be read and used only as a whole, and may not be separated into, or distributed in, parts.", "attrs": null, "canon": { "kind": { "name": "Disclaimer", "slug": "disclaimer", "status": "active", "canonId": "91173477-d91f-4024-bbaf-d4f93e3f82dc", "version": 1, "description": "Legal/cautionary text that occupies most of the body of its slide." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 18:38:01.471+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "a37e10ef-79ec-4035-bc2a-c065e7a0bbf3", "parentComponentId": null }, { "bbox": { "h": 0.03, "w": 0.6, "x": 0.07, "y": 0.27 }, "kind": "title", "text": "QUALIFICATIONS, ASSUMPTIONS, AND LIMITING CONDITIONS: OLIVER WYMAN", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 18:38:01.471+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "74bd14be-25ab-4d01-b3b0-918619bd59ff", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [], "loops": [], "locked": true }, { "page": 52, "type": "setup", "function": "other", "rawType": "appendix_disclosure", "block": null, "metadata": { "slideType": "appendix_disclosure", "slideTypeCanon": { "name": "Appendix disclosure", "slug": "appendix_disclosure", "status": "active", "canonId": "019de52d-07b2-7549-8e8b-932a19f6e616", "version": 1, "description": null }, "function": "other", "functionCanon": { "name": "Other (fallback)", "slug": "other", "status": "active", "canonId": "019de52d-15e1-75bc-99dc-07732380e2ce", "version": 1, "description": null }, "density": "balanced", "densityScore": 47, "componentCount": 4, "textChars": 1771, "nDataPoints": 0, "notes": null, "elementsJson": [ "paragraph" ], "confidence": 1, "extraction": { "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "at": "2026-05-02 18:38:00.098+00", "seconds": 2.73, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019dd923-5de0-76bd-a168-65bec1516111/52", "deck": "/decks/019dd923-5de0-76bd-a168-65bec1516111", "deckAnchor": "/decks/019dd923-5de0-76bd-a168-65bec1516111#slide-52", "deckJson": "/decks/019dd923-5de0-76bd-a168-65bec1516111.json" }, "components": [ { "bbox": { "h": 0.485, "w": 0.926, "x": 0.037, "y": 0.331 }, "kind": "disclaimer", "text": "The data and analysis provided by Guy Carpenter herein or in connection herewith are provided “as is,” without warranty of any kind whether express or implied. The analysis is based upon data provided by the Agency or obtained from external sources, the accuracy of which has not been independently verified by Guy Carpenter. Neither Guy Carpenter, its affiliates, nor their officers, directors, agents, modelers, or subcontractors (collectively, “Providers”) guarantee or warrant the correctness, completeness, currentness, merchantability, or fitness for a particular purpose of such data and analysis.\n\nThe data and analysis are provided strictly for information purposes, may not be separated into, or distributed in, parts, and may not be reproduced, quoted, or distributed for any other purpose or to any other third party without the prior written permission of Guy Carpenter. In no event will any Provider be liable for loss of profits or any other indirect, special, incidental and/or consequential damage of any kind howsoever incurred or designated, arising from any use of the data and analysis provided herein or in connection herewith.\n\nThere are many limitations on actuarial or modeling analyses, including uncertainty in the estimates and reliance on data. We will provide additional information regarding these limitations upon request.\n\nAs with any analysis, the results presented herein are subject to significant variability. While these estimates represent our best professional judgment, it is probable that the actual results will differ from those projected. 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