Red Flags: Dating vs. Insurance – Looks Matter (Sometimes)

We all know the type…someone who “doesn’t care about looks” but suddenly disappears when they see your rundown car. Well, guess what? Your insurance policy might have the same attitude.
Enter the Cosmetic Exclusion. This is a sneaky clause that says, “Sure, your roof got pelted by flying debris and now looks like the moon’s surface, but hey, it’s not leaking, so…not our problem.”
Tip: Check if your policy has a Cosmetic Exclusion. If your metal roof takes a beating but stays watertight, your insurance may refuse to cover the damage—no matter how bad it looks.
Because in both love and insurance, sometimes appearances do matter. Stay tuned for more red flags to watch out for—because we don’t want you left with a damaged roof or a broken heart!