Browse the full Resources Index
Cosmetic damage, meaning damage that affects a roof’s appearance without necessarily affecting its function, is a frequent and sometimes contentious issue in roofing claims, particularly on metal roofs and, to a lesser extent, shingle roofs.
On metal roofs, hail impacts can leave dents or marks that do not affect the roof’s ability to shed water or perform its intended function, leading to disagreement about whether this type of damage is covered and, if so, how it should be valued.
Some policies include specific cosmetic damage exclusions or endorsements addressing this issue directly, making the specific policy language especially important in these disputes.
On shingle roofs, similar questions can arise around granule loss or minor surface marks that may not affect the roof’s functional performance but do affect its appearance.
Because cosmetic damage disputes often hinge on both the specific policy language and a detailed, technical assessment of the roof itself, these claims can benefit from an appraiser with direct experience evaluating this particular type of damage.
This article offers general education on the appraisal process. Nothing here is legal advice, and state law and policy language govern each claim. If you have questions about your own claim, review your policy language and talk with the insurance company, agent, or an attorney familiar with your state’s laws.
Russ Lis is an independent property insurance appraiser and umpire in Minnesota who serves clients nationwide. Have a question about your own claim? Contact Appraisal Resolution.
Stay Informed
Get practical appraisal education and updates by email. No spam and you can unsubscribe anytime.