What it does
Removes coverage for marring, pitting or other cosmetic damage from wind or hail that does not let water in or impair function.
Who needs it
Hail-exposed territories with metal roofs or siding.
Quoting and selling notes
- The 2022 program also has HO 06 44 limited to roof surfacing.
- Tell clients with metal roofs that dents without leaks may not be paid, and document roof condition at inception.
Editions and availability
Editions in use and where they apply: 03 22 (32 jurisdictions).
Homeowners endorsements are built for a specific program edition. When a carrier moves a state from the 2011 (05 11) program to the 2022 (03 22) program, the endorsement editions move with it, so match the endorsement edition to the policy form edition shown on the declarations.
