Colorado’s homeowner’s insurance on shaky ground⁠71%

By Bente Birkeland⁠72% Andrea Kramar⁠0% Rocky Mountain PBS⁠0%

12/12/2025, 1:05:00 PM

BS Summary: This article contains 11 faulty reasoning types, including In-Group Bias, Appeal to Authority, and Availability Heuristic, with Negativity Bias as the most egregious example at 47.7% saturation with 113 hits. Analysis detected 496 faulty-reasoning hits from 237 analyzed words, generating a BS Score of 63.3% and a BS Rank of ⁠71% (6,514 of 21,887 articles). This article is worse (more manipulative) than 70.20% of the article peer group.

Colorado, like the rest of the country, is experiencing more, and worse, climate disasters, wreaking havoc on people’s homes — and their homeowner’s insurance rates. 
In the wake of devastating hail storms and massive wildfires, Coloradans face rising premiums, less choice and availability, and in some cases, getting dropped by insurers altogether. 
The state is now one of the top ten most expensive in the country for homeowners insurance. 
And escalating the issue is climate change. 
CPR’s Bente Birkeland and Rocky Mountain PBS’ Andrea Kramar look at what’s happening with the home insurance market in Colorado, and what state lawmakers are trying to do to make sure that, when the flames approach or the hail falls, Coloradans don’t lose everything. 
Plus stay tuned for a full-length documentary on this reporting. 
“Undercovered” airs on Rocky Mountain PBS Thursday, Jan. 15 at 7 p.m. MST, and will be available to stream on the free RMPBS+ app and Youtube. 
Purplish is produced by listener-supported CPR News and the Capitol News Alliance, a collaboration between KUNC News, Colorado Public Radio, Rocky Mountain PBS, and The Colorado Sun, and shared with Rocky Mountain Community Radio and other news organizations across the state. 
Funding for the Alliance is provided in part by the Corporation for Public Broadcasting. 
Purplish’s producer is Stephanie Wolf. 
Sound designed and engineered by Shane Rumsey. 
Theme music is by Brad Turner. 
CPR’s executive producer of podcasts is Megan Verlee. 
Article reasoning-pattern comparisonThis article: 0.0%Bente Birkeland: 0.2%Colorado Public Radio: 0.4%Actor-Observer Bias0.0%This article: 10.1%Bente Birkeland: 2.4%Colorado Public Radio: 4.8%Anchoring Bias10.1%This article: 21.9%Bente Birkeland: 3.4%Colorado Public Radio: 6.4%Availability Heuristic21.9%This article: 0.0%Bente Birkeland: 0.1%Colorado Public Radio: 0.2%Blind-Spot Bias0.0%This article: 3.0%Bente Birkeland: 3.6%Colorado Public Radio: 5.7%Confirmation Bias3.0%This article: 0.0%Bente Birkeland: 0.0%Colorado Public Radio: 0.0%Dunning-Kruger Effect0.0%This article: 10.1%Bente Birkeland: 18.3%Colorado Public Radio: 26.7%Framing Effect10.1%This article: 0.0%Bente Birkeland: 2.8%Colorado Public Radio: 1.9%Fundamental Attribution Error0.0%This article: 0.0%Bente Birkeland: 4.5%Colorado Public Radio: 5.0%Halo Effect0.0%This article: 0.0%Bente Birkeland: 0.9%Colorado Public Radio: 0.8%Hindsight Bias0.0%This article: 0.0%Bente Birkeland: 0.5%Colorado Public Radio: 0.7%Horn Effect0.0%This article: 23.2%Bente Birkeland: 4.3%Colorado Public Radio: 7.6%In-Group Bias23.2%This article: 18.6%Bente Birkeland: 2.4%Colorado Public Radio: 4.6%Loss Aversion18.6%This article: 47.7%Bente Birkeland: 14.3%Colorado Public Radio: 19.5%Negativity Bias47.7%This article: 0.0%Bente Birkeland: 3.2%Colorado Public Radio: 6.6%Optimism Bias0.0%This article: 0.0%Bente Birkeland: 1.3%Colorado Public Radio: 1.9%Out-Group Homogeneity Bias0.0%This article: 0.0%Bente Birkeland: 1.4%Colorado Public Radio: 2.1%Overconfidence Bias0.0%This article: 18.6%Bente Birkeland: 1.3%Colorado Public Radio: 4.6%Pessimism Bias18.6%This article: 0.0%Bente Birkeland: 1.0%Colorado Public Radio: 0.7%Primacy Effect0.0%This article: 0.0%Bente Birkeland: 1.0%Colorado Public Radio: 2.0%Recency Bias0.0%This article: 0.0%Bente Birkeland: 0.0%Colorado Public Radio: 0.9%Representativeness Heuristic0.0%This article: 0.0%Bente Birkeland: 3.1%Colorado Public Radio: 4.9%Self-Serving Bias0.0%This article: 0.0%Bente Birkeland: 2.2%Colorado Public Radio: 3.3%Status Quo Bias0.0%This article: 0.0%Bente Birkeland: 0.0%Colorado Public Radio: 0.2%Sunk Cost Effect0.0%This article: 0.0%Bente Birkeland: 1.8%Colorado Public Radio: 1.7%Ad Hominem0.0%This article: 0.0%Bente Birkeland: 2.0%Colorado Public Radio: 0.5%Ambiguity (Equivocation)0.0%This article: 0.0%Bente Birkeland: 1.0%Colorado Public Radio: 3.9%Anecdotal0.0%This article: 23.2%Bente Birkeland: 7.5%Colorado Public Radio: 11.3%Appeal to Authority23.2%This article: 18.6%Bente Birkeland: 9.5%Colorado Public Radio: 13.0%Appeal to Emotion18.6%This article: 0.0%Bente Birkeland: 0.0%Colorado Public Radio: 0.5%Appeal to Nature0.0%This article: 0.0%Bente Birkeland: 1.8%Colorado Public Radio: 1.9%Bandwagon0.0%This article: 0.0%Bente Birkeland: 1.9%Colorado Public Radio: 1.8%Begging the Question0.0%This article: 0.0%Bente Birkeland: 0.5%Colorado Public Radio: 0.5%Burden of Proof0.0%This article: 0.0%Bente Birkeland: 0.2%Colorado Public Radio: 0.2%Circular Reasoning0.0%This article: 0.0%Bente Birkeland: 0.0%Colorado Public Radio: 0.3%Composition/Division0.0%This article: 0.0%Bente Birkeland: 1.1%Colorado Public Radio: 1.9%False Dilemma0.0%This article: 0.0%Bente Birkeland: 0.0%Colorado Public Radio: 0.1%Gambler’s Fallacy0.0%This article: 0.0%Bente Birkeland: 1.3%Colorado Public Radio: 1.0%Genetic Fallacy0.0%This article: 0.0%Bente Birkeland: 2.2%Colorado Public Radio: 3.5%Hasty Generalization0.0%This article: 0.0%Bente Birkeland: 0.0%Colorado Public Radio: 0.1%Middle Ground0.0%This article: 0.0%Bente Birkeland: 0.0%Colorado Public Radio: 0.0%No True Scotsman0.0%This article: 0.0%Bente Birkeland: 0.2%Colorado Public Radio: 0.1%Personal Incredulity0.0%This article: 14.3%Bente Birkeland: 1.6%Colorado Public Radio: 3.5%Post Hoc (False Cause)14.3%This article: 0.0%Bente Birkeland: 0.5%Colorado Public Radio: 0.7%Red Herring0.0%This article: 0.0%Bente Birkeland: 1.5%Colorado Public Radio: 2.5%Slippery Slope0.0%This article: 0.0%Bente Birkeland: 1.0%Colorado Public Radio: 0.6%Special Pleading0.0%This article: 0.0%Bente Birkeland: 0.6%Colorado Public Radio: 0.4%Straw Man0.0%This article: 0.0%Bente Birkeland: 0.7%Colorado Public Radio: 0.0%Tu Quoque0.0%

237 words analyzed.

Speakers

No attributed speakers were identified in this analysis.

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Analysis

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