Where does "Cosmetic damage" show up in a claim?

The term matters on estimates and scopes across the insurance restoration workflow. Browse the glossary for related terms.

Estimating & Workflow

Cosmetic damage

Damage that changes a surface's appearance without stopping it from doing its job. A scuffed panel or a curled edge that still sheds water can be described as cosmetic only. Coverage language decides the outcome, so a determination of function usually comes before a discussion of appearance.

Put this to work

ESXPress converts carrier scope PDFs into import-ready Xactimate ESX files \u2014 line items mapped to their real code, priced against the current catalog.

Start free \u2014 5 conversions, no card \u2192