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Cosmetic Damage Exclusion Texas: Find It on Your Policy

August 21, 2026 by Pawel Jones

The Texas cosmetic damage exclusion (HO-145, TDP-022) removes hail coverage for dents that do not leak. How to find it on your declarations page.

Categories Roof Insurance Claims Tags cosmetic damage exclusion, hail damage, homeowners policy, roof insurance claim, texas department of insurance

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