In Cannon Falls Area Schools v. Hanover American Insurance Company (2025 WL 2976533 (D. Minn. 2025)), the United States District Court for the District of Minnesota held that a property insurer properly denied coverage pursuant to a cosmetic damage exclusion because hail indentations to roofs affected only their appearance, not their ability to function as barriers against the elements. The Court emphasized the roofs’ performance immediately following the loss rather than any speculative future vulnerabilities. About The Author
