A cosmetic waiver (a.k.a. cosmetic exclusion or cosmetic endorsement) is a document stating the insurance company is not responsible for damages that are cosmetic. Homeowners view this as any small damage, which is understandable, but the insurance company considers anything to be cosmetic that is not deemed functional damage. Functional damage is basically a broken seem or a hole in the roof. Aesthetics play no part in this assessment, so an ugly, hail damaged roof with no functional damage, will not be covered under the policy.
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