Coverage classification
- Form type
- Exclusions
Coverage intent
A cosmetic damage exclusion limits coverage for damage that affects appearance but does not impair the function of covered property.
Coverage impact
Cosmetic damage wording is especially important for roof, siding, metal surface, wind, and hail claims because it can separate appearance-only damage from covered physical loss.
Where this language appears
Matching form records, product lines, state activity, and recent examples for this coverage language.
Matching form records
Recent records
Product submissions
Companies
Related insurance form pages
Related coverage topics
Review roof surfacing payment schedule in admitted P&C endorsements, including matching form records, product lines, common form names, and recent filings.
Actual cash value loss settlementReview actual cash value loss settlement in admitted P&C endorsements and policies, including matching form records, product lines, common form names, and recent filings.
Windstorm or hail deductibleReview windstorm or hail deductible in admitted P&C endorsements, including matching form records, product lines, common form names, and recent filings.