Will Wind/Hail Cosmetic Damage Exclusion Endorsements Become the Norm?

March 4, 2013 by Amy O'Connor

Cosmetic damage from wind and hail to homeowner and commercial properties may no longer be covered if insurers opt to use new endorsements—one for homeowners and another for commercial roofs—that are becoming available.

Executive Summary

AAIS and ISO, responding to requests of member carriers experiencing rising property claims from "cosmetic" wind and hail damage, have created exclusionary endorsements.

The two organizations that standardize forms and policies for property/casualty insurers, the American Association of Insurance Services (AAIS) and ISO, have both filed cosmetic damage endorsements. Executive Summary AAIS and ISO, responding to requests of member carriers experiencing rising property claims from “cosmetic” wind and hail damage, have created exclusionary endorsements.