Their coverage consists of endorsement AVP313, titled “Metallic Roof Surfaces Beauty Injury Exclusion Endorsement,” which excludes “Beauty injury brought on by hail to the floor of a steel roof, together with however not restricted to, indentations, dents, distortions, scratches, or marks that change the looks of a steel roof.” As a result of the Wiegels’ roofing system was and is concrete tile, not steel, they argue the cosmetic-versus-functional distinction should not apply. By limiting protection to “shattered tiles,” the lawsuit alleges, Allstate improperly narrowed what the coverage covers.
