Hail Roof Damage Claim Denied After Allstate Points To ‘Cosmetic Exclusion’ Amendment; Homeowners Win In Court

 Thursday, June 6, 2019


After a major hail storm in 2016, Peter and Nancy Reininger figured their homeowners insurance would cover the cost to replace their damaged roof.
The larger than three inch hailstones left dents, scrapes, and damaged the protective finish on their roof.

“This is why you have insurance,” said Nancy Reininger. “You’re paying your premiums so you think everything is going to be covered.”

But Allstate denied their claim pointing to an amendment in their policy that the Reiningers said was never disclosed to them. Like many Texas homeowners with a metal roof, the Reiningers have a “metal roof surface cosmetic damage exclusion endorsement” in their policy. The endorsement states “cosmetic damage cause by hail to a metal roof surface” is not covered.

“I was flabbergasted,” Peter Reininger said when he was told about his policy’s exclusion. “I couldn’t believe it. I couldn’t believe it.”