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

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. 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.