What the exclusion typically says
Specific language varies by carrier, but typical wording:
Or more narrowly, specific to metal roofing:
The contest
- What qualifies as "purely cosmetic"? Dents that reduce long-term weatherproofing performance are not purely cosmetic.
- What qualifies as "affects function"? Dents concentrate stress; fatigue develops; warranty voided. These affect function even when not immediately leaking.
- Matching doesn't become cosmetic. Fla. Stat. 626.9744 matching requirements apply regardless of any cosmetic exclusion.
- Resale impact. Some courts recognize diminution in value from visible damage.
How to counter the exclusion
- Manufacturer-certified roofer or installer testimony: specific impact on warranty, performance, long-term reliability
- Engineering analysis: structural fatigue, weatherproofing impact
- Matching analysis: whether replacement panels can match within manufacturer tolerance
- Claim amount allocation: even if some damage is cosmetic, not all is
- Policy language specifics: many exclusions are narrower than the carrier applies them
When the exclusion is valid
Some cosmetic damage genuinely is aesthetic only: minor scratches from debris, for example, on a roof that remains fully functional. The exclusion applies to that damage. It doesn't apply to dents that affect long-term performance.