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Close-up of functional hail damage on roofing shingles, crucial for roof claim appeals against cosmetic exclusion.

The ‘Cosmetic Exclusion’ in Roof Claims: Hail vs. Wear

Feb 17, 2026

Roof claim denied as ‘Cosmetic’? Learn what hail damage counts as ‘functional’ and how to fight the cosmetic exclusion in Texas policies.

Close-up of building plans overlaid with construction notes, illustrating the complexity of code upgrades during property restoration. This visual highlights the need for 'Ordinance or Law Coverage' to fund mandatory updates, as discussed in the accompanying article.

Ordinance or Law Coverage: Who Pays for Code Upgrades?

Feb 17, 2026

Insurance paying to repair, but not to update? Learn why ‘Ordinance or Law’ coverage is the only way to fund mandatory code upgrades during restoration.