🚨 Read the Exclusions First: Understanding the Roof Surfacing Cosmetic Damage Exclusion

If there’s one thing we always stress when reviewing any insurance policy—read the exclusions first. That’s where many people get caught off guard, especially when they try to file a claim and discover certain damages aren’t covered.

One exclusion that’s becoming more common is something we recently spotted in a policy dated May 15th—and it’s something you need to be aware of, whether you’re in the South, the West, or now even here in New Jersey.

What Is the Roof Surfacing Cosmetic Damage Exclusion?

This specific endorsement changes your policy and can seriously affect your ability to make a claim for certain types of damage. Let’s break it down:

🏠 Definition of Roof Surfacing

Under this endorsement, “roof surfacing” refers to:

1. Shingles or tiles

2. Cladding

3. Metal or synthetic sheeting or similar materials covering the roof

4. Roof flashing

This includes everything used to secure the roof surface and all materials applied to or under the surface for moisture protection.

What Does “Cosmetic Damage” Mean?

This exclusion specifically applies to damage caused by windstorm or hail and defines “cosmetic damage” as:

• Marring

• Pitting

• Other superficial damage

Here’s the key detail: if the roof still functions as a weather barrier—even if it’s visibly damaged—the damage is considered “cosmetic” and won’t be covered by your policy.

So if a hailstorm leaves your roof dimpled and dented but still watertight? That’s likely not covered.

Why This Matters Now More Than Ever

Insurance policies are packed with legal language, technical definitions, and more exclusions than most people expect. This endorsement is just one example of how coverage can be quietly limited—until it’s too late.

While this kind of exclusion has been common in hail-prone areas like Texas or Colorado, we’re now seeing it pop up in policies here in New Jersey, too.

✅ How to Protect Yourself

• Review your current policy—especially the exclusions section.

• Check for this specific endorsement: Roof Surfacing Cosmetic Damage Exclusion – Windstorm or Hail.

• Understand the difference between cosmetic and functional damage.

• Ask questions and seek clarity before you need to file a claim.

📞 Need a Second Look? Let The Luxury Group Be Your Guide

At The Luxury Group, we know insurance can be overwhelming—but you don’t have to navigate it alone. We help our clients make sense of their policies, avoid costly surprises, and ensure they’re fully protected when it counts.

👉 Reach out today for a personalized policy review.
Whether it’s a simple question or a full audit of your current coverage, we’re here to help you feel confident in your protection.