If your insurer called your hail damage “cosmetic” and denied the claim, you’re not alone. A lot of Georgia homeowner policies now carry a cosmetic damage exclusion — it lets the insurer deny a claim when hail left marks on your shingles but didn’t visibly punch through the roof.
Here’s what that misses: a hail hit breaks the granule seal and cracks the mat underneath even when it just looks like a dent, shortening the roof’s life whether or not it leaks today. Most homeowners don’t know this clause exists until a claim gets denied over it — it’s usually added quietly at renewal, not in the policy you originally signed.
If you already got a cosmetic denial, don’t accept it — a proper functional damage assessment can turn that decision around. We help Atlanta metro homeowners push back on this exact denial.