What is Functional damage?
Definition. Damage that reduces a roof's ability to shed water or shortens its expected life, such as fractured shingle mats, punctures or creased tabs. It is contrasted with cosmetic damage, which affects only appearance. Many policies and adjusters draw the coverage line between the two.
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More claim terms
Roof payment schedule · Depreciation · Scope of loss · Ordinance or law coverage · Replacement cost value (RCV) · Actual cash value (ACV) · Drip edge · Appraisal