June 13, 2016

 Summary: ISO recently created two endorsements: Cosmetic Damage Exclusion – Windstorm Or Hail, HO 06 43 04 16; and Roof Surfacing Cosmetic Damage Exclusion – Windstorm Or Hail, HO 06 44 04 16. Being cosmetic, the surfaces are still intact and do not put other property in peril. This article reviews the forms and the background behind them.

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