The other two endorsements provide actual cash value coverage for roof damage one applying only to damage by wind or hail with the other applying to other perils as well.
Cosmetic exclusion roof damage.
Option two applies to the cosmetic limitation which is defined as any kind of marring or pitting or other superficial damage specifically from wind and hail that alters the appearance of the roof.
Insurers may also choose to offer the exclusion on a case by case basis says harrington.
We do not cover cosmetic loss or damage to roof coverings caused by the peril of hail.
Cosmetic damage exclusion 1.
In an attempt to limit coverage for non functional damage insurers have begun to include the cosmetic damage exclusion.
Most experts hired by the insurance company almost always state that the dents have not caused functional damage to the roof.
Exclusion of cosmetic damage to roof coverings caused by hail the following general exclusion is added to the policy.
Just look at the picture attached to this article common sense tells us that when hail causes damage to your home s roof that s not a cosmetic issue it s structural damage that impacts the value of your home and may ultimately lead to further structural issues e g.
The policy doesn t exclude cosmetic damage so direct damage even if it is cosmetic is covered.
The principle of indemnity is to restore the insured to what they had before the loss and this insured had a roof with no dents.
It s the same as if vandals had painted the side of the house purple.
The aais cosmetic damage endorsement defines.
Therefore the roof is not damaged.
Although 99 of insurance policies do not require the damage to be functional expert after expert will reference the word functional in their report to the insurance company.
Cosmetic loss or damage means only that damage that alters the physical appearance of the roof covering but does not.
The exclusions below apply to the coverage a residence coverage b related private structures and scheduled related private structures listed on the declarations and that include the statement cosmetic damage exclusion cf 2051 applies.
Cosmetic damage is usually defined as marring pitting or other.
Home insurance companies can decide whether to exclude cosmetic damage on roofing windows and doors and exterior walls or some combination of those elements.