Colorado's New 30-Year Reserve Study Mandate: What HB26-1099 Requires
Reserve funding is the line item that keeps Colorado boards up at night. Underfund it and the roof, the paving, or the pool eventually turns into a special assessment. Owners are rarely ready for that. Much of the problem starts on day one. A developer sets the first budget while it still controls the HOA. That budget is often built to keep monthly dues low and sell units, not to pay for a roof 20 years out. By the time owners take over the board, the gap is already there. HB26-1099, titled Protect Financial Condition of Homeowners Associations, goes after that gap. Governor Polis signed it on April 13, 2026, and it took effect August 12, 2026. Here's what it requires, who it applies to, and what it doesn't do.
MyFrontYard · October 5, 2026