The Colorado Division of Insurance recovered $15,803,329 for Coloradans by handling consumer complaints, according to its Annual Complaint and Recoveries Report. The report was released October 28, 2026.

The division is part of the Colorado Department of Regulatory Agencies. The report covers the last fiscal year, from July 2025 to June 2026. It lists the money recovered and the number of complaints taken. It also shares stories from consumers the division helped.

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Complaints about property and casualty insurance brought back $9,943,823. That included $5,389,594 on homeowners insurance complaints and $3,313,424 on auto insurance complaints.

Complaints about life and health insurance brought back $5,465,894. That included $3,015,534 on health insurance complaints and $2,843,972 on life insurance and annuity complaints.

"Our Consumer Services Team puts in the work every day to get Coloradans the support they need," said Colorado Insurance Commissioner Michael Conway. "Communication errors, missed insurer payments, and wrongly denied claims put stress on Coloradans during already difficult times. Our Consumer Services Team is here to help and I encourage anyone with a question or insurance issue to reach out. Thank you to our hard working team!"

The report describes some of the real cases behind the numbers.

In one case, a homeowner was not paid an Umpire's Agreement Award. This is a contract used in property insurance appraisal disputes. It lets the insurer and the insured settle differences through a third party. The division shared the consumer's complaint with the insurance company. The company then paid the homeowner $82,567.59 for the actual cash value of damage to the roof.

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In another case, a policyholder could not pay a long-term care insurance bill. His Power of Attorney, a person allowed to handle his affairs, did not know about the missed payment. The Power of Attorney found out only after reading a cancellation notice. The insurance company was slow to process documents and communicate. The Power of Attorney filed a complaint with the division. The company agreed to reinstate the policy, saving the policyholder $65,000.

The division also saved consumers over $112,000 on diabetic supplies. It made sure insurance companies covered those supplies at no cost, with a $0 copay, on Colorado Option plans, as required.

The division's Consumer Services Team does more than recover money. It answers questions and helps people understand their insurance. It also helps people file complaints when something goes wrong. The team took 17,283 calls from consumers last year. Calls ranged from simple questions about claims and policies to insurance laws and rules.

The division has warned consumers about using artificial intelligence, or AI, tools to write complaints. It has received more AI-written complaints, and many contain major errors about state laws and policy details. Wrong information from AI can delay a complaint. The division urges consumers to write complaints in their own words so they reflect what really happened. For accurate information about a policy or Colorado law, the division suggests talking with its Consumer Services Team, an insurance agent or a licensed attorney.

To file a complaint, visit doi.colorado.gov and click on "File a Complaint."