Cosmetic Damage Definition

Cosmetic damage is defined as marring pitting or other superficial damage from a named peril ie.

Cosmetics logo art. In this linear approach if damages are considered covered by a property policy when graded from 10 to 3 but cosmetic damage grades 2 and 1 are excluded the range of covered damage abuts the. Cosmetic damage is a degree of physical damage that simply refers to impairment of only the appearance of a covered item but not its functionality. Of course home insurance cant pay if a home drops in value because of the economy says hunter but if it drops in value because of physical.

Cosmetic definition is of relating to or making for beauty especially of the complexion. Roofing materials are designed as a moisture barrier to shed water. Cosmetic damage has traditionally been paid if the damage is greater than the deductible.

This is a lawsuit waiting to happen because of the ambiguous definition of cosmetic damage harrington says home insurance policies insure property for physical damage not their economic value. This type of damage alters the appearance of damage but does not prohibit it from functioning according to some engineers. Terms cosmetic damage and functional damage were recognized as meaningful terms long before they became part of the underwriters standard lexicon.

Cosmetic damage despite the fact that the term is defined in the policy may still create debate and controversy. Here are some of the issues with these endorsements. Each sub category of cosmetics has its own characteristics however the products are generally formulated using a mixture of chemical.

Lately some ingenious insurance company lawyers are wrongfully arguing that their stingy insurance company claims managers are correctly not paying for cosmetic damage. In the case of chipping aluminum it does not make the phone any less functional it just looks less than. What is cosmetic damage.

Ets say an insured has an extensive wind or l hail loss to his roof which is 15 years old. Cosmetics comprise a range of products that are used to care for the face and body or to enhance or change the appearance of the face or body. Cosmetic damage is damage that does not affect the functionality of a device though apples definition of this may differ from the users.

The products include skin care personal care cosmetics and fragrance. This paper explores the bifurcation of direct physical damage into cosmetic and functional components why this represents a false dichotomy the problems it poses for.