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Completed Homey roof after a Colorado hail claim

Colorado insurance guide · Updated Oct 22, 2026

Hail dents on metal: covered or not?Farmers, Foremost and cosmetic exclusions explained.

Gutters, drip edge, vents, flashing, AC fins and metal roofs can all dent in hail. Whether that's paid depends on cosmetic exclusions and marring coverage in your policy.

8common metal parts on a house that hail can dent

J7504Farmers' Cosmetic Damage Exclusion form

3 daysto get your policy copy on request (C.R.S. 10-4-110.8)

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Not every Farmers or Foremost policy has this, but we're seeing it more and more.

Check your own declarations page. If a cosmetic damage exclusion (Farmers J7504) or a marring endorsement is listed there, this page explains what it means for your roof and your check.

Find out before you file, free policy check: (720) 948-5726

Before you file

Find out before you file, free policy check. Know your number first.

Hail dents on metal may be excluded as "cosmetic." Know before you file whether your gutters, vents or metal roof would be paid.

Find out before you file, free policy check

What we check with you

Cosmetic or marring endorsements on your declarations page
Which parts of your house count as metal
Your deductible in dollars
Functional vs. cosmetic damage, with photos

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Cosmetic damage

What does "cosmetic damage" mean on a policy?

Cosmetic damage

Industry-standard cosmetic exclusions define cosmetic damage as marring, pitting or other superficial damage that changes appearance but doesn't stop the surface from keeping out the elements.

In plain EnglishA dent that looks bad but doesn't let water in is "cosmetic." If a policy excludes it, that dent may pay nothing.

Source: PropertyCasualty360: ISO HO 06 43 / HO 06 44

Functional damage

Damage that does stop a surface from keeping out the elements is outside a cosmetic exclusion.

In plain EnglishPunctures, cracked vent boots, open seams and broken fastener seals are not cosmetic. They are real damage.

Source: PropertyCasualty360

Industry forms HO 06 43 and HO 06 44

ISO created two standard endorsements: Cosmetic Damage Exclusion – Windstorm or Hail (HO 06 43) and Roof Surfacing Cosmetic Damage Exclusion – Windstorm or Hail (HO 06 44). Both were listed as available in Colorado when introduced in 2016.

In plain EnglishThese are the off-the-shelf exclusions many insurers can add to a policy. If you see these form numbers, cosmetic hail damage is likely excluded.

Source: PropertyCasualty360 (2016)

Takeaways

Cosmetic = looks damaged but still keeps water out.
Functional damage is still real damage.
Look for HO 06 43, HO 06 44, "cosmetic" or "marring" in your endorsements.

What's metal on your house

What metal on my house can hail dent?

Not every Farmers or Foremost policy has this, but we're seeing it more and more.

Check your own declarations page. If a cosmetic damage exclusion (Farmers J7504) or a marring endorsement is listed there, this page explains what it means for your roof and your check.

Find out before you file, free policy check: (720) 948-5726

Drip edgeMetal strip along the roof edge.

Gutters & downspoutsUsually aluminum or steel.

Roof vents & capsBox vents, turbines, pipe caps.

FlashingAround chimneys, walls and pipes.

Metal roof panelsStanding seam or exposed-fastener.

AC condenser finsThin fins on the outdoor unit.

Solar panel framesAluminum frames and racking.

Window wraps & trimMetal cladding on windows and fascia.

Why this matters

A metal cosmetic exclusion can reach far past a metal roof. Farmers' J7504 form, for example, defines metal roof materials to include vents, vent caps, turbines, piping and flashing.

In plain EnglishEven with a shingle roof, your gutters, vents and flashing are metal. An exclusion can affect them too, depending on the wording.

Source: Farmers J7504 Cosmetic Damage Exclusion Endorsement (2026 HOA policy)

Farmers and Foremost

What are Farmers' and Foremost's metal exclusions?

Farmers Cosmetic Damage Exclusion Endorsement (J7504, 1st edition)

Farmers' J7504 excludes "cosmetic damage" from windstorm or hail to metal roof surfaces, metal roof materials and metal exterior building surfaces. It defines cosmetic damage broadly, including denting, creasing, chipping, scratching and similar damage that alters exterior appearance.

In plain EnglishOn policies with J7504, dented metal roofs, vents and metal siding may not be paid if the damage is only cosmetic.

Verified on a Colorado Farmers commercial policy for an HOA (Apartment, Condominium and Businessowners forms). Whether Farmers uses this or a similar form on Colorado homeowners policies is not confirmed.

Source: Farmers policy for a Grand Junction, CO HOA (Jan 2026)

Foremost marring coverage

Foremost's dwelling-fire forms add "Marring Coverage Other Than Metal Roof Surface Material," covering wind or hail marring of metal gutters, downspouts, metal roof components, metal parts of doors and windows, solar panels and heating or air-conditioning systems. It does not cover marring of metal roof surfaces, and it isn't available if the property had a paid hail loss in the past five years.

In plain EnglishThis buys back coverage for dented gutters, trim and AC units, but never dents in a metal roof itself.

National form update; Colorado availability not confirmed.

Source: Foremost dwelling fire forms highlights

Farmers homeowners roof terms

I could not find a public Farmers Colorado homeowners form for roof payment or cosmetic terms.

In plain EnglishFarmers homeowners customers: read your endorsement list or bring it to us.

Not verified. Ask your Farmers agent or get your full policy.

Find out before you file, free policy check.

We read your declarations page with you and inspect the roof. Free, no obligation.

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Related: State Farm

Does State Farm exclude cosmetic damage to metal roofs?

State Farm "Exclusion of Cosmetic Loss to Metal Roof Covering Caused by Hail"

To receive a State Farm premium reduction for qualifying impact-resistant metal roofing, you must sign this endorsement. State Farm says you have a choice whether to request the discount and accept the exclusion.

In plain EnglishOn a metal roof, the State Farm discount can come with no coverage for cosmetic hail dents. Ask your agent whether you signed it.

Source: State Farm qualifying roofing products listing · State Farm roofing certification form

Check your policy

How do I check my policy for a cosmetic exclusion?

1. Request the full policy

Colorado insurers must make your policy, declarations and endorsements available within 3 business days (C.R.S. 10-4-110.8).

2. Scan endorsement titles

Look for "Cosmetic," "Marring," "Metal," J7504, HO 06 43 or HO 06 44.

3. Read the definitions

Check which parts count as metal: roof only, or vents, flashing, siding and gutters too.

4. Get a photo inspection

Separate cosmetic dents from functional damage before you file.

Takeaways

Cosmetic exclusions can reach gutters, vents and flashing, depending on wording.
Marring coverage buys some of it back on Foremost forms.
Functional damage is still covered damage.

Find out before you file, free policy check.

We read your declarations page with you and inspect the roof. Free, no obligation.

Book my free check (720) 948-5726

Colorado rulings & rules

What have Colorado courts and regulators said?

Appraisal can include causation

In BonBeck Parker v. Travelers (10th Cir. 2021), applying Colorado law, the court held that "amount of loss" in that policy's appraisal clause includes causation disputes, so appraisers could decide whether hail caused the disputed roof damage.

In plain English"It's wear and tear, not hail" may still be an appraisal question. It depends on your policy's wording.

Source: BonBeck Parker, LLC v. Travelers, 14 F.4th 1169 (10th Cir. 2021)

Matching

In Bertisen v. Travelers (D. Colo. Sept. 8, 2023), a federal judge read an ambiguous policy in the homeowners' favor and held that it covered matching on a concrete tile roof.

In plain EnglishA patch that doesn't match isn't automatically the final answer. That was one ruling on one policy.

Source: Bertisen v. Travelers Home & Marine, No. 20-cv-03650 (D. Colo.)

Aerial photos and nonrenewals

DOI Bulletin B-5.57 (effective March 16, 2026) says aerial imagery shouldn't be the sole basis for adverse actions such as nonrenewals or claim reductions. Separately, C.R.S. 10-4-110.7 requires 60 days' mailed notice, with reasons, before a homeowners nonrenewal.

In plain EnglishA satellite picture alone shouldn't cost you your policy, and you get two months' written notice. What to do.

Source: DOI Bulletin B-5.57 · C.R.S. 10-4-110.7

Appraisal vs. supplement · ACV checks & code items

FAQ

Quick answers.

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Does Farmers cover hail dents on metal?

It depends on your policy. Farmers' J7504 Cosmetic Damage Exclusion excludes cosmetic wind or hail damage to metal roof surfaces, metal roof materials and metal exterior surfaces where it applies. Read your endorsement list.

What is cosmetic hail damage?

Marring, pitting or other superficial damage that changes appearance but does not stop the surface from keeping out the elements.

What is Foremost marring coverage?

A Foremost dwelling-fire endorsement that covers hail or wind marring of metal gutters, downspouts, metal roof components, door and window metal, solar panels and HVAC, but not metal roof surfaces.

Are dented gutters covered?

On some policies yes, on others a cosmetic exclusion may apply. Foremost's marring coverage specifically includes metal gutters and downspouts. Check your policy wording.

What are HO 06 43 and HO 06 44?

Industry-standard ISO endorsements that exclude cosmetic windstorm or hail damage. HO 06 44 applies to roof surfacing; HO 06 43 is broader.

Does State Farm exclude cosmetic damage on metal roofs?

To get State Farm's discount for qualifying impact-resistant metal roofing, you must accept the Exclusion of Cosmetic Loss to Metal Roof Covering Caused by Hail endorsement.

Find out before you file, free policy check.

We read your declarations page with you and inspect the roof. Free, no obligation.

Book my free check (720) 948-5726

Farmers J7504 was verified on a 2026 Colorado commercial HOA policy; Foremost marring coverage is a national form. Written by Jeff Kish, founder of Homey Roofing and Restoration (in roofing since 2009). Reviewed by Allie Whitworth, Homey sales & operations and licensed Colorado REALTOR® with RE/MAX Professionals. Homey Roofing and Restoration is a roofing contractor, not a public adjuster. Your policy wording controls your coverage. Updated Oct 22, 2026.

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