Metal Roof Cosmetic Damage 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. Cosmetic damage is defined as marring pitting or other superficial damage.

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Cosmetic damage is usually defined as marring pitting or other.

Metal roof cosmetic damage exclusion.

The exclusion is straightforward. The endorsement states cosmetic damage cause by hail to a metal roof surface is not covered. 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. Insurers may also choose to offer the exclusion on a case by case basis says harrington.

I was flabbergasted peter reininger said when he was told about his policy s exclusion. If they make you feel like it s quite like a scam you have all the reason to believe so because it s an unfair deal for many homeowners in need of proper metal roof insurance coverage. Home insurance companies can decide whether to exclude cosmetic damage on roofing windows and doors and exterior walls or some combination of those elements. In an attempt to limit coverage for non functional damage insurers have begun to include the cosmetic damage exclusion.

However you ve definitely encountered the term cosmetic damage exclusion or hail damage waiver insurers throw around with attractive decrease in rates or discounts. It is for this reason many homeowners flock to insurers for useful metal roof insurance coverage.

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