Hailstorms vs. Metal Roofs: Beating the Cosmetic Exclusion

Hail damage to a metal patio roof

Hailstorms can wreak havoc on homes and businesses, leaving behind a trail of damage. For properties with metal roofing, hail often causes dents and surface blemishes. While these may not compromise the roof's functionality, they can significantly impact its appearance and resale value. Unfortunately, many insurance policies include a "cosmetic exclusion" that denies coverage for this type of damage. However, overcoming this exclusion is possible with the right approach—and that’s where a public adjuster can help.

What Is a Cosmetic Exclusion?

A cosmetic exclusion in an insurance policy limits coverage to damage that affects the roof's structural integrity or its ability to shed water. It excludes compensation for damage deemed "cosmetic," such as dents, scratches, or paint damage. While this may seem reasonable at first glance, the exclusion can leave property owners footing the bill for expensive repairs or facing a significant loss in property value.

Why Cosmetic Damage Matters

Although cosmetic damage doesn’t immediately compromise functionality, it can lead to premature wear, which, over time, will affect the roof’s functionality. A common question I’m asked is, "Why would my insurance company not agree to cover the cosmetic damages knowing that, over time, it may cause leaks?" The answer to that question is relatively simple: the insurance company doesn’t owe until the loss occurs. Unfortunately, many insureds accept the denial due to the cosmetic exclusion, only to file a claim in the future and be told that the damage is caused by wear and tear.

Beating the Cosmetic Exclusion

To beat the exclusion, you must familiarize yourself with the exclusion in your policy. Not all cosmetic exclusions read the same. Here is a basic example of what you may find in your policy:

"The following applies with respect to loss or damage by wind and/or hail to a building or structure identified in the Schedule as being subject to this Paragraph B.:

We will not pay for cosmetic damage to roof surfacing caused by wind and/or hail. For the purpose of this endorsement, cosmetic damage means that the wind and/or hail caused marring, pitting, or other superficial damage that altered the appearance of the roof surfacing, but such damage does not prevent the roof from continuing to function as a barrier to the entrance of the elements to the same extent as it did before the cosmetic damage occurred."

The exclusion sample above is relatively cut and dry. If the damage does not hinder the roof’s ability to keep water out, insurance does not owe.

Proving to the insurance carrier that there is functional damage can be tricky. When dealing with a metal roof, it’s best to look for areas in which hailstones have impacted critical components, such as the fasteners or seams of the panels. If a hailstone creates an indentation next to a fastener, water will seep in through the gap created under the fastener. If a seam is disrupted, water will enter through the disrupted seam.

Finding functional damage to a metal roofing system requires an experienced professional. This is one of the many things a public adjuster can do for you.

How a Public Adjuster Can Help

Navigating the complexities of a hail damage claim can be overwhelming, especially when a cosmetic exclusion is involved. As public adjusters, we work on your behalf to ensure you receive the compensation you deserve. Here’s how we can help:

• Policy Analysis: We’ll identify any ambiguities or gaps in your policy language that may allow for coverage.

• Damage Documentation: Our team will compile a thorough record of the damage, using evidence to support your claim.

• Negotiation: With experience handling insurance companies, we know how to push back against denials and secure fair settlements.

• Peace of Mind: Let us handle the claim while you focus on recovering from the storm.

Conclusion

Cosmetic exclusions can feel like an insurmountable hurdle, but they don’t have to be the end of the road for your hail damage claim. By understanding your policy, gathering strong evidence, and working with a skilled public adjuster, you can overcome these exclusions and protect your investment. If you’re facing a cosmetic exclusion on your metal roofing hail damage claim, contact us today. We’re here to help you navigate the claims process and get the results you deserve.