Under the required notice-of-claim provision of C.R.S. § 10-16-202, written notice of a claim under an individual Colorado S&A policy must be given to the insurer within what period?

Why C is correct

C.R.S. § 10-16-202 requires written notice of claim within 20 DAYS after the occurrence or commencement of any loss covered by the policy, or as soon as reasonably possible if timely notice is not feasible. Failure to give notice within the allowed period does not invalidate the claim if notice was given as soon as reasonably possible. Producers should coach clients to document when and how notice was delivered to the insurer.

Why the other options are wrong

• A) 15 days is the claim-forms deadline trigger under C.R.S. § 10-16-202 — the time the insurer has to furnish forms after notice — not the claimant's notice deadline.
• B) 30 days governs other rules (proof-of-loss windows in some contexts, elections under continuation law), but the notice-of-claim limit is 20 days.
• D) 10 days is not the Colorado notice-of-claim period; it is a distractor figure from unrelated provisions.

Memory hook

Tell the insurer in 20 — or as soon as reasonably possible.