Cosmetic Damage Exclusions Explained

What Is a Cosmetic Damage Exclusion?

A cosmetic damage exclusion means your insurance policy won't pay for damage that affects only the appearance of your roof, not its function. This is most common with metal roofs and hail damage.

Why Insurers Use This Exclusion

Metal roofs are extremely durable. After a hailstorm, a metal roof may have visible dents but still:

• Remain watertight
• Meet all structural requirements
• Perform as intended for its full lifespan

From the insurer's perspective, replacing a fully functional roof due to dents isn't necessary.

How the Exclusion Is Applied

If your policy includes this exclusion, the insurer will evaluate whether damage is:

Functional damage (covered):

• Punctures or holes
• Compromised water resistance
• Structural deformation

Cosmetic damage (not covered):

• Dents without punctures
• Surface scratches
• Color changes without material failure

Identifying the Exclusion in Your Policy

Look for language like:

• "Cosmetic damage exclusion"
• "Marring, pitting, or denting" not covered
• "Damage that does not affect functionality"

This is often found in endorsements or amendments to your policy, not the main coverage form.

What You Can Do

• Check your policy before buying a metal roof - Know your coverage
• Request an endorsement to remove the exclusion - Available from some insurers
• Document damage thoroughly - Show any functional impact
• Get a professional assessment - A qualified inspector can identify functional issues

Key Takeaways

• Cosmetic exclusions typically apply to metal roofs
• "Cosmetic" means appearance-only, not function
• Check your policy and endorsements for this language
• Functional damage should still be covered