SIX THINGS NO CAMERA SEES: RADON, THE SEWER LINE, HAIL, SOIL, INSURANCE AND THE DISTRICT.

Colorado's legislature found in 2023 that nearly half of all homes tested in the state return radon results at or above the action level of four picocuries per liter and that elevated levels have been found in every county; the same act requires every residential contract to carry a bold radon warning recommending a test before purchase, and requires the seller to disclose known test results, reports and mitigation (SB 23-206, adding C.R.S. 38-35.7-112, VERIFIED). A radon test is short and fits inside the inspection objection deadline.

Colorado's Front Range sits in the area of North America with the most frequent large hail, and the Division of Insurance describes hail as the largest cost driver of homeowners premiums in the state (PROBABLE, the Division's page was read through a summary). A law effective July 1, 2026 requires insurers that use wildfire risk models to give each policyholder an annual written notice of their wildfire risk score and available mitigation discounts, with an appeal process (HB25-1182, VERIFIED). The state's last resort insurer describes itself as coverage for high risk homes that cannot get it elsewhere (Colorado FAIR Plan, PROBABLE).

Every residential contract must disclose whether the property sits in a special taxing district that may carry general obligation debt paid from property tax levies, and it tells the buyer to investigate with the county treasurer, clerk and assessor (C.R.S. 38-35.7-101, VERIFIED). For a newly built home in a metropolitan district, the seller must also provide the district's service plan, debt authority, mill levy limits and a good faith estimate of the district's property taxes, marked as illustrative (C.R.S. 38-35.7-110, VERIFIED). The association documents are delivered by their deadline at the seller's expense (PROBABLE, 2019 form).