Summary: This new ISO endorsement provides limited coverage for hail or windstorm damage to roof surfaces. The new form, Limited Loss Settlement For Windstorm Or Hail Losses To Roof Surfacing, HO 06 46 04 16, was developed to clarify settlement if damage is caused by windstorm or hail.

Topics: Introduction Schedule and definitions Section I – conditions Additional provision

Introduction

Roofs, like any property, deteriorate as they age, and even more so since they are constantly exposed to the elements. Unfortunately roofs are often out of sight and mind unless the insured pays deliberate attention to it or something happens that gets his attention. Many insureds do not always remember to replace the roof in a timely manner. It is obvious when the siding fades and needs replacing, not so much with the roof unless it leaks. This failure to replace the roof in a timely manner may make a loss more severe due to wear that already exists on the roof. Therefore, this endorsement was created in order to allow a loss to be settled by taking into account the age of the roof. This allows the payment to more closely match the actual loss and not include the underlying wear and tear that existed before the loss occurred.

Schedule and Definitions