If you have a metal roof on your home, you have great fire resistance, energy efficiency and long wear expectations.  On the other hand, there is the potential for an insurance claim limitation in cases where there is “cosmetic” damage to the roof.

What is “cosmetic” damage to metal roofs?  It is described as damage that only affects the appearance but not the function of a specific property component.  For example, there might be marring or pitting or other superficial damage to a surface but there is no reduction in the ability of the surface to protect the inside of the building.  Since the Midwest weather patterns continue to include storms and hail, insurers seek ways to reduce the potential for overall premium increases.  This is one of those options.

Should you have questions about your specific policies or coverage, please contact your agency representative/advisor. We are standing by to assist you.