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Cosmetic claim exclusions limit coverage for any cosmetic or aesthetic damage to property. If a hailstorm occurs, this clause’s presence means that the insurance policy does not provide coverage for pitting, denting, and other forms of superficial damage. If the roof’s appearance is damaged, but the underlying structure is still fully intact and properly functioning, the policy won’t provide coverage.

A roof system that is rated “impact-resistant” is classified as a Class 4 roof system. The increased durability of these roofs allows for the structure to withstand heavy winds and possible hail damage up to a certain amount. The materials used with these roofs include shingles and metal. The product packaging is labeled with a UL 2218 rating.

If your insurance claim was denied and you disagree with the decision, you need to schedule a reinspection with your provider. You can schedule a trusted roofing company to join the insurance adjuster during your reinspection. The contractor can document the damage they notice and compare notes. If the contractor discovers damage unnoticed by the claims adjuster, you can submit that information to your provider as evidence in your appeal.

No, a roof certification is not a warranty. A roof certification identifies the current condition, denotes needed repairs, and estimates the remaining life expectancy of a roofing system. Certifications act as a reputable opinion provided by a professional. Warranties cover the work done on a roof for a specified period. To obtain a warranty, you must purchase one from a professional alongside an inspection report. Keep in mind that repairs may need to be made to honor the warranty effectively.

This is a complicated question that requires a detailed answer based on industry and location. The National Roofing Contractors Association has a comprehensive list of roofing codes broken down by industry that we recommend referencing. Roofing contractors must do all work to code to ensure your building or home’s safety and the people inside.

A warranty entitles consumers to receive a product replacement or repair free of charge. No Dollar Limit Warranties (NDLs) are usually offered at a higher price than other warranties and are subject to specific terms and conditions. Each business or homeowner has its own personal situation that determines if an NDL is right for you.

ACV stands for actual cash value. This is commonly referred to as fair market value. This type of policy requires an insurance provider to pay replacement or repair costs to fix your roof, minus depreciation.