Exclusions and Your Metal Roof - What Homeowners Need to Know

Insurance companies have a clever way of making exclusions sound like perks. Take the “cosmetic exclusion.” It’s often presented as a discount - your insurer might say something like, “You don’t mind a couple dings, do you?” Many homeowners shrug and say, “Sure, no problem.”

But here’s the truth: agreeing to a cosmetic exclusion usually means your policy only kicks in when the roof is punctured and water is making its way through. In other words, you may not be covered until the damage is severe. By then, you’ve got leaks, repairs, and costs that could have been avoided.

That’s damage caught too late.

And the impact doesn’t stop there. A roof with dents and visible wear can also reduce your home’s value. If you decide to sell, the inspection will reveal roof damage, and buyers will use that as leverage to negotiate the price down. Suddenly, that “discount” from your insurer doesn’t feel like much of a win. 

Here’s our encouragement: If you have a standing seam metal roof, take a few minutes to call your insurance provider. Ask directly whether your policy includes a cosmetic exclusion. If it does, consider what that really means for your coverage, your peace of mind, and your home’s long-term value.

At Churchill USA, we believe protecting your home should never come with hidden strings attached. Know your policy, ask the right questions, and make sure you’re covered before damage turns into a much bigger problem.