Can Minnesota Insurance Deny Metal Roof Hail Damage as Cosmetic?
Yes. In Minnesota, an insurer can deny a metal roof hail claim if the policy excludes cosmetic damage and the storm only left dents or dings that did not change how the roof sheds water. That denial is not automatic, though. If hail harmed seams, fasteners, flashing, coatings, drainage, or caused leaks, the damage may…
