October 2, 2021

Policyholders with a metal roof need to pay careful attention to policy details – especially the SafeCo cosmetic damage exclusion related to hail damage.  Hail storms have not just increased in frequency over the past decade but size as well. As a result, states like Colorado can expect several massive hail events each year, a […]

As the threat of massive hail storms increases, so does the amount of cosmetic damage exclusions in insurance policies. Exclusions are one way insurance carriers limit coverage and reduce claim payout. Cosmetic damage exclusions usually apply to metal roofs but also siding, windows, and other exterior components. If the insurance carrier determines the damage is