My insurance is paying for a new roof since my current one was wind damaged. In this process, the subject of installing class 4 impact resistant shingles has come up. The insurance company said we would get a $300/year discount if we had them installed. There is one significant detail - we'd have to sign a cosmetic damage exclusion.
This is from the insurance co. "By signing this form, you agree that in return for the
discount, you will not have coverage for cosmetic loss or damage that’s caused by hail and
alters the appearance of the roof covering. You will have coverage for hail damage that
allows water to penetrate the roof covering."
I am concerned that I could end up with a hail damaged roof that looks terrible, but still serves it's purpose as a functional roof. Hoping someone having experience with this can shed some light on the subject.