Common exclusion-bearing endorsements
Cosmetic damage exclusion
- Excludes cosmetic-only damage
- Often invoked on roofs
- Florida-specific endorsement
Limited water endorsement
- Caps water damage at $10,000
- Narrow carve-outs for peril source
- Common in Florida post-2018
Wind exclusion
- Excludes wind/hail in specific areas
- Coastal properties
- Forces separate wind coverage
Roof surfacing payment schedule
- Pays reduced scope on older roofs
- ACV payouts with schedules
- Heavy depreciation applied
Roof age restrictions
- No coverage after specific age
- Prorated coverage
- Mandatory replacement triggers
Pollution / mold exclusion
- Excludes environmental contamination
- Mold with sublimit carveout
- Narrow carve-outs
How to find hidden exclusions
- Locate declarations page
- List all endorsements by name
- Pull each endorsement form
- Read for "we do not cover" language
- Check for sublimits and conditions
What to do before loss
- Annual policy audit
- Compare to prior year
- Understand what's capped
- Consider endorsements to remove limitations
What to do after loss
- Pull the endorsements before submission
- Identify which apply to the claim
- Challenge aggressive interpretations
- Seek alternative coverage paths (ensuing loss, resulting damage)