Cosmetic and functional damage

Great article by Merlin Law on negotiating with insurance company adjusters to ensure "cosmetic" damage is covered in the event your policy has "cosmetic exclusion" language.

 

http://www.propertyinsurancecoveragelaw.com/2016/10/articles/insurance/cosmetic-and-functional-damage-an-academic-discussion-by-neil-hall/index.html

 

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