Insurers haven’t broadly cut off coverage along the Front Range as weather-related claims rise, and they haven’t pulled out of the state entirely, like in California and Florida. But they are increasingly making demands that can complicate and even derail home sales. “Insurance providers en masse have decided that if the roof is more than 10 years old we won’t insure it,” said Matt Metcalf, a managing broker at Mile High Home Pro, which is both a real estate and mortgage brokerage. Current owners aren’t being cut off.

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