Estimating & Workflow
Cosmetic damage exclusion
A policy clause that removes coverage for loss that is only appearance-based. The exclusion typically turns on whether the material still performs, so function decides the claim. A lightly dented panel or a tiny color mismatch can fall under this exclusion even when the item is no longer flawless.
Common questions
What does "Cosmetic damage exclusion" mean in Xactimate estimating?
A policy clause that removes coverage for loss that is only appearance-based. The exclusion typically turns on whether the material still performs, so function decides the claim. A lightly dented panel or a tiny color mismatch can fall under this exclusion even when the item is no longer flawless.
Where does "Cosmetic damage exclusion" show up in a claim?
The term matters on estimates and scopes across the insurance restoration workflow. Browse the glossary for related terms.
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