Cosmetic hail damage refers to damage that does not affect the viability of the roof to perform its function.
Fake hail damage roof.
However determining whether your roof has sustained damage from a hailstorm may be a little more difficult.
Fake roof damage schemes are becoming a serious fraud according to the 2009 questionable claims comparison report issued by the national insurance crime bureau nicb.
Many insurance companies will consider paying for a roof that has been damaged by hail but it must be correctly assessed.
Wind and hail damage.
Because seamless gutters are frequently feature aluminum or copper construction the signs of hail damage include telltale denting.
In 2013 the american association of insurance services introduced a cosmetic damage exclusion to allow insurers to avoid coverage for cosmetic damage.
Gutters are also susceptible to hail damage.
Hail is a powerful force of nature that can even damage roofs made with concrete tiles if the stones are large enough and wind speeds are high.
Hail damaged metal roofing tile roofing wood shingle or shake roofs.
The number of questionable insurance claims involving hail damage jumped 202 percent from 256 to 772 from 2008 to 2009 and those are just the ones that are known.
To combat this many home insurers have implemented different coverage levels.