Why do female Belted Kingfishers have an extra rust-colored “belt” that the males don't have?

When a species is sexually dimorphic—meaning the males and females look different—the overwhelming pattern is for males to be more colorful than females. But in a few species this setup is reversed. Often, this comes along with a reversal in sex roles—one example is in shorebirds called phalaropes

Montana Outdoors May/June 2013 Full Issue by Montana Outdoors - Issuu

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Belted Kingfisher Female, © Brian E Kushner Nikon D800, Nik…

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Beautiful Female Kingfisher with Vibrant Beak