Colorado home rebuild cost calculator
By Severance Calculator Editorial · Updated
What does it cost per square foot to rebuild a home in Colorado?
Colorado is in the Mountain Census division; NAHB 2024 median custom $/sqft is $169. Front Range metros (Denver, Boulder, Fort Collins) carry above-baseline labor premiums.
Colorado replacement-cost statute
Colorado Revised Statutes §10-4-110.8 (SB22-206) — view full text.
Post-Marshall-Fire (Dec 2021) Colorado enacted SB22-206 requiring carriers to provide ALE for at least 24 months and to allow contents-coverage payout without itemization in declared-disaster total losses. Reinforced consumer right to ERC information at quote time.
Post-disaster reconstruction premium
Marshall Fire is the documented case study for ERC inadequacy. CO DORA published an analysis showing ~40% of total-loss homeowners were underinsured by 20%+. Mountain and Front Range counties carry both wildfire and hail exposure.
Where to get help in Colorado
FAQ — Colorado rebuild cost
- Is replacement cost coverage required in Colorado?
- Post-Marshall-Fire (Dec 2021) Colorado enacted SB22-206 requiring carriers to provide ALE for at least 24 months and to allow contents-coverage payout without itemization in declared-disaster total losses. Reinforced consumer right to ERC information at quote time.
- What happens to rebuild costs after a major disaster in Colorado?
- Marshall Fire is the documented case study for ERC inadequacy. CO DORA published an analysis showing ~40% of total-loss homeowners were underinsured by 20%+. Mountain and Front Range counties carry both wildfire and hail exposure.
- What is the typical $/sqft to rebuild in Colorado?
- Colorado is in the Mountain Census division; NAHB 2024 median custom $/sqft is $169. Front Range metros (Denver, Boulder, Fort Collins) carry above-baseline labor premiums.