Metal Roof Cosmetic Damage Exclusion

Insurers may also choose to offer the exclusion on a case by case basis says harrington.

Metal roof cosmetic damage exclusion.

Cosmetic damage is usually defined as marring pitting or other. However you ve definitely encountered the term cosmetic damage exclusion or hail damage waiver insurers throw around with attractive decrease in rates or discounts. Cosmetic damage to metal roof surfaces we do not pay for loss for cosmetic damage caused by hail to the metal roof surfaces including underlayment and or material applied for moisture protection and all flashing of a dwelling and or related private structure. It is for this reason many homeowners flock to insurers for useful metal roof insurance coverage.

The endorsement states cosmetic damage cause by hail to a metal roof surface is not covered. Home insurance companies can decide whether to exclude cosmetic damage on roofing windows and doors and exterior walls or some combination of those elements. I was flabbergasted peter reininger said when he was told about his policy s exclusion. This would include any sort of mild hail damage or scratching caused by branches blown about in a windstorm as long as the damage does not affect the functioning of the roof.

How the exclusion may be offered. In an attempt to limit coverage for non functional damage insurers have begun to include the cosmetic damage exclusion.