Buying
Boulder
South Boulder Creek Flood Project and Your Flood Insurance
The City says the South Boulder Creek flood project is under way and expects three to five years of work. The federal flood-insurance requirement lasts at least until FEMA revises the map after it's done, and the premium doesn't reset with the map. What a buyer controls now is the seller's policy.
Buyer Guide
Something Broke Before Closing: Who Pays in Colorado?
Under Damage, Inclusions and Services, a furnace or water heater that fails between contract and closing or possession is the seller's to repair or replace: no objection to file, no inspection deadline to preserve. It's due by that same date, and it doesn't reach a defect that was there all along.
Answer Brief
Colorado Extended Replacement Cost: Declarations Page
Your Colorado dwelling limit is a rebuild estimate, not what you paid, because the land is not insured. Where the rule reaches your policy, the state makes your insurer offer extended replacement cost on top, and your declarations page records in bold twelve-point type whether you took it.
Buying
Waiting for Mortgage Rates to Fall Could Be Your Biggest Home-Buying Mistake
Waiting for mortgage rates to fall may seem like the safest strategy—but it could come with a trade-off many buyers aren't considering. In Colorado's changing market, today's higher rates may create opportunities that disappear when more buyers return. Here's what
Answer Brief
Winter Home Inspection Colorado: Objecting to an Unknown
A January inspection comes back with blanks on some systems, not findings. Colorado's objection form asks what you require the seller to correct, and nobody can correct an untested system. So the ask has to change shape before you file it, and what it turns into is what's left to enforce.
Buyer Guide
Buying a House From an Estate in Colorado: What to Know
Nothing about the rules changes when an estate is selling, and that is the problem. Both of a buyer's standard protections are keyed to a seller, and page one of Colorado's 2026 disclosure form now asks whether that seller ever lived in the house.
Answer Brief
Does the Ditch Share Come With the House?
Water rights run with the land, everybody says. A mutual ditch company share is personal property, and Colorado hands the transfer rules to each company's own bylaws, so two Front Range companies answer it in opposite ways. The standard contract reflects that with a blank and no default rule.
POV Note
Who Else Has a Say in the House You Just Bought
The deed settles what you own and goes quiet on a second question: who else can change the rules you just bought under. In this corridor that answer sits with a covenant board, a public board, a city charter or a private business, and they are not interchangeable.
Answer Brief
Colorado Tax Certificate: The Metro District Deadline
A tax certificate lands in your inbox listing three districts you have never heard of, and it reads like paperwork from the county. It is a title document with a termination right attached, dated to a deadline named after something else. Which clock you are on depends on the day it arrived.